23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage is serviced by Greentree Servicing. I pay my mortgage twice a month- one-half on the XXXX of the month before it is due, and one-half on the first, when it is due. Greentree has several times applied the mid-month payment to the principal of my mortgage instead of treating it like a payment, and then they consider me delinquent on my payments. They then start calling me about payment, and sometimes those calls are incredibly offensive, with nasty people treating me like a deadbeat and asking if they should start foreclosure, etc. When I call them back they see that I have been paying like clockwork and the get my account straightened out and do n't charge any late fees. 

This happened again XX/XX/XXXX, but I missed the error until recently, when I noticed that the statements were more in error than they normally are ( there are always XXXX differing sources of the status of my account- the mailed statement, which is always in error, the amount given in a voicemail from some Greentree person dunning me for a payment I do n't owe, the amount given by their phone system when I call them, and the amount given by a live person when I call ). This time when I called they said that because the year end had passed they could not fix the error, meaning that I had to come up with an extra half-month 's payment in order to get my account current. I then spoke to a supervisor who verified that there was nothing they could do. She also said that by default whenever they get a payment that is not exactly what the monthly payment is, it gets applied to the mortgage principal instead of being credited as a payment. 

I believe this is a predatory practice conducted by Greentree, the intent of which is to increase income from late fees. This practice needs to be investigated and either federal or state authorities need to order Greentree to stop this practice.
Product: Credit card or prepaid card

Company is taking the Stand that benefits them - I have shown my proof and according to Capital One terms and conditions I have the right to Arbitrate .Since there is a disagreement between both parties a neutral party needs to mediate and arbitrate between the dispute, According to the Terms of Capital One I am required to set up Arbitration rather then start a civil action. Capital Once is required under their conditions as well as New York State Banking Condition Rules and Regulations that Arbitration needs to be set up before a Summons and Complaint can be started. 

Capital one is only giving half the information to avoid participating in Arbitration. I have over 4 hours of recording that took place between the merchant and Capital One as well proving my case. 

I am requesting that the CFPB instruct Capital One to reply to the Arbitration request under the rules and guidelines of theXXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Savor Rewards card. I reached out previously last year about issues with my card due to deceptive practices. The issues were mostly resolved when a member of the leadership team reached out to me. My period with no annual fee has now ended and I am still unable to move from a Savor Card into a Savor XXXX card ( according to customer service ) and have now gotten hit with the annual fee. It doesn't make sense for me with the small amount the card is being used. The rewards do not really offset it. My expenses are now much lower now due to the coronavirus / economy having a large effect on my employment. 

I never would have gotten this card in the first place but I thought I was signing up for the " Savor XXXX '' card, not the " Savor '' card, it turns out it was actually the regular Savor card. ( The website is very deceptive and little is done to differentiate the cards ) This is the initial main issue, I am now locked into this card ( Savor ) paying an annual fee which I never knew about and never would have signed up for if I knew. ( Savor XXXX has no annual fee ) Customer service is unable to assist me and I am now locked in this card with no way out besides paying the fee or taking a large credit hit by canceling the card. Are you able to either convert me into Savor XXXX or offer any assistance in these difficult economic times with the annual fee? I have been a valued customer of over a decade with no missed payments for and excellent credit and have not been happy with the service I have received since getting this card. Thanks
Product: Credit reporting or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XX/XX/XXXX Balance : {$1700.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month my FICO score on Experian was XXXX. When I checked my Fico score in XXXX I saw it XXXX. I looked online on Experian site and it said I have 1 late payment ( 60+ days ). I requested my credit report and I requested my credit report and it shows that all my accounts are current and I have no late payments. I called Experian and they confirmed that I don't have any late payments. Representative I spoke with said he'll send an email to their technical department to look into it. Because it is clearly a computer error. 
Meanwhile today on Experian site my FICO score is already XXXX. 
I need to apply for a credit card for my business and this score is keeping me from it negatively affecting my business.
Product: Credit card

The entire current balance on my Synchrony CareCredit credit card consists of several deferred interest/ no interest promotional purchases, none of which are presently subject to interest charges. I have made no " regular '' transactions on account upon which interest would accrue. However my XXXX and XXXX statements each reflected spurious interest charges in the amounts {$5.00} and {$5.00}, respectively. On XX/XX/2023 I notified Synchrony of the billing error on this account via an initial mailed dispute letter ( copy attached ). On XX/XX/2023 I recevied a response letter from Synchrony apologizing for the errors and noting that the account was corrected ( copy attached ). My XXXX statement then reflected refund credits for the first and second interest charges in the amounts- {$5.00} and- {$5.00}. However, that statement also reflected another ( third ) interest charge in the amount {$5.00}. Additionally, my XXXX statement reflects a fourth interest charge in the amount {$5.00}. Again, none of these interest charges are valid because there are no transactions on account currently that are subject to interest.
Product: Checking or savings account

Hello, I got notice that XXXX XXXX they closed account that I called to have closed because they continued to let money go out of it and charge me after draft fee 's over and over. Like XXXX every two weeks. So, I opened another account, and they left stuff come out anyway of a tune of XXXX plus. So, before they closed it, I was putting in money again to bring it to a positive and took my direct deposit off that account. So well and behold 3 checks came in and they rejected 1 of them and opened the account to bring in a check for XXXX and an XXXX something waited over 21 days and sent me a check for what was left over for the amount of XXXX and charged me for more overdraft charges. Instead of sending all the checks back and let me pay them accordingly without overdraft more charges. They are horrible to deal with held my checks for 7 to 10 days then held the check they cut me for 7 to 10 days. They need to be shut down for their shady business.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX XXXX XXXX Consumer date of birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX opened XX/XX/XXXX account number XXXX balance {$55.00}, XXXX bank opened XX/XX/XXXX account number XXXX balance {$220.00}, XXXX XXXX opened XX/XX/XXXX account number XXXX balance XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX balance {$5900.00}, XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX balance {$9500.00}, and XXXX  XXXX opened XX/XX/XXXX account number XXXX, with a balance of {$31000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The hard inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

i was XXXX at the time of this school being attended there is nothing to do with me and XXXX XXXX XXXX XXXX
Product: Debt collection

This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. 
This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account.
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus have a different name other than - XXXX XXXX- on my report. In 2003, I was divorced and a victim of identity theft. Someone used a name with a middle initials. I contacted Experian, XXXX, and XXXX. Upon showing them proof, their fraud departments have failed to remove the other name from my report. This has impacted me on purchasing a new car with high interest rates. Ive tried to have my report fixed but have been unsuccessful. On my report, there are still old accounts on there that are over 7 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several wrong addresses reprorted on my credit profile I have reported the problem I need solutions this is causing me major problems in my home buying process.
Product: Checking or savings account

Santander bank closed my account without warning and charged me a {$50.00} XXXX fee. They claim they sent me a letter about this but I never received any such correspondence from Santander. 

They are liars and they STOLE {$50.00} from my account. 

As you can see from the attached bank statement, they STOLE {$50.00} from me on XX/XX/XXXX. And then sent the remainder of my funds to the State of New York.

I filed a complaint with the New York De
partment of Financial Services but they told me I had to file my complaint with CFPB, which is what I'm doing right now. 

The bank sent me an email with a contact name and phone number. I spoke with Executive Office Advocate XXXX XXXX from Santander bank on XX/XX/XXXX. She can be reached at ; office hours are Monday through Friday XXXX to XXXX Phone XXXX She is a liar and basically assumes that I received their correspondence informing me of my accounts inactive status. But just because the bank mailed it doesn't mean I received it!
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute of Inaccurate Credit Reporting und er FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S C 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 2. Provide me with all documentation used to verify the accuracy of the disputed information. XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance Owed : {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed below are several companies that do not know and did not approve any inquiries to my credit from this companies. I had my credit hit about 7-9 times with hard inquires from random unknown financial institute 's all in a span of a week. I have not tried to contact said banks for these inquiries. 

XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX Deal out of XXXX, OH XXXX Phone # ( XXXX ) XXXX XX/XX/2019 Ally Financial XXXX, MN XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a freeze on my EQUIFAX credit file, however my mortgage company is unable to obtain my report - my mortgage may not process due to this. I have been calling for several weeks and have promised a return call to assist but this never occurs
Product: Money transfer, virtual currency, or money service

Received a call today from someone who they said worked for Coinbase and saw someone was trying to login to my account from an unauthorized device. He asked for my 6 digit authentication code. Code was given, as he reassured me with a reference number that he was an actual representative for Coinbase. That person changed something in my account cause I received an email stating the 2-factor authentication was changed. I then see a withdrawal from my bank account to my email, which was {$1000.00} and used to buy bitcoin. I then disable my account. I have been emailing with support shortly, asking me to provide a selfie of me and my ID and to be sent to this site. I have not received anything from Coinbase regarding my account nor my money. I made my bank aware of the {$1000.00} transaction and filed a fraud claim. My bank is XXXX XXXX  ( Massachusetts ). I have a total of around {$4000.00} linked to my account, in which these scammers had access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a settlement agreement with GM Financial. The amount agreed upon was honored and paid. this should be reported on my credit report as settled and zeroed. GM Financial has since updated my credit report showing a balance less what I paid. I can not get this resolved with either experian or GM even after uploading proof documents to experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack, along with half of all Americans. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.
Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an extremely poor job in the first place. Thank you for taking time to read my complaint.
Product: Vehicle loan or lease

On XXXX, XXXX, XXXX I made a {$1600.00} down payment on a XXXX XXXX XXXX, I spoke with the representative of Westlake Financial Services in my loan interview and was told that the call was recorded. I was asked to confirm certain information and at the end of the telling me about my payment terms I was told Id have a 90 days warranty on my engine and transmission. 

A couple weeks after that date I had been trying to get this warranty activated since there an oil leak the very next day after I brought the vehicle home. I was told that an investigation would take place on XXXX, XXXX, and that it would take 48 hours before they got back with me about the warranty, however, they never confirmed or denied anything. 

I continued to call to speak with the warranty department and was eventually told there was nothing noted about my warranty on my accounted but no one bothered to pull up the recording where this was mention prior to me making my down payment. 

I recently spoke with a manager to let them know I plan to move forward with taking actions about the loan due to the vehicle having several mechanical issues. The manager advised that I move forward with my actions, as hed understand if he were in my position as well. He has indicated once I file the complaint we can see what we can do from there
Product: Money transfer, virtual currency, or money service

PayPal Credit dispute Case ID : XXXX I purchased an item ( soldering XXXX ) online from a U.S. based company, XXXX XXXX and paid immediately using PayPal Credit, on date of XX/XX/2020. 
Item was not received ; complaint/dispute was filed XX/XX/XXXX. PayPal policy states a maximum of thirty ( 30 ) days before refund may be issued. It is XX/XX/2020. 
Other issue is PayPal Credit Never sends a bill, by USPS or online, yet charged a late fee. Upon logging on to PayPal site noticed bill was due XX/XX/2020, still no bill ever received and spam of junk mail always checked. Still ignorant of any fact or policy practice ; PayPal site states the payment of {$39.00} is " Almost Due ''? Picture of this fact taken XX/XX/XXXX XXXX XXXX PST. Earlier that day after seeing bill due IO mailed a check for {$200.00} which was more than the {$170.00} and change shown as due. By XXXX XXXX XX/XX/XXXX, PayPal site showed an addition to the prior amount now being more than the {$200.00} sent. PayPal is impossible to contact and blames COVID for such excuse ; when we are all aware that most all business utilize a " work from home '' crew. 
Once upon a time when PayPal was XXXX it was fair to both merchant and purchase person. Since ownership is now Synchrony Bank, all is terrible and nearly non-functional. My credit is currently XXXX and needs no reason for dropping due to ignorance of a company 's own policy. Pictures, if needed can be furnished for further proof. 
Please Help.
Product: Mortgage

I have a mortgage serviced by Rushmore Loan Management Services. 

I am trying to refinance thru a mortgage broker, who asked for a written explanation of a line on my mortgage statement, titled, " Deferred Balance '' in the amount of {$22000.00}. 

I've communicated with Rushmore via phone several times over a month, with conflicting answers given me by staff and management.

I'm now at risk of losing a lower mortgage rate and feel Rushmore is being evasive and not acting in good faith.

We ask that Rushmore send an explanation in writing via the FAX number they have listed in my account notes. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I fell behind on payments on my ally credit card. I brought account back to current and brought account under the credit limit. However company states that my account is restricted and cant use the card for 3 billing cycles.
Product: Credit reporting or other personal consumer reports

I woke up this morning to find inaccurate accounts listed on my credit report, and Im completely devastated because I have no idea where they came from. I check my report regularly, and this has never been an issue before. I even refreshed my browser, hoping it was just some technical glitch, but nothing changed. These inaccuracies are still there, and Im begging you to carefully review the documents Ive sent so that I can finally stop worrying about this happening again.