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

PENFED CREDIT UNION is in clear violation of the following sections of the law ; 15USC1642 15USC1681m, 12CFR1002 and are subject to criminal liability for violating 15USC1691. PENFED CREDIT UNION pulled a copy of my XXXX consumer report without written authorization or permissible purpose pursuant to both 15USC1681 ( B ) and 18USC1028 ( A ). On ( XX/XX/XXXX ), PENFED CREDIT UNION sent me a notice that I was denied credit for financing a XXXX XXXX XXXX. According to the Equal Credit Opportunity Act which is codified in 15USC1691c and pursuant to civil liability under 15USC1691K, Adverse Action against a consumer is AGAINST THE LAW. I have been discriminated against by PENFED CREDIT UNION due to the response I received from you ( XX/XX/XXXX ). 
My social security number ( credit card ) was used by PENFED CREDIT UNION to make an application for financing the vehicle XXXX XXXX XXXX XXXX XXXX, in good faith and credit was not issued. Therefore, because I received no benefit, due to your company denying me of my own credit, this is fraudulent activity on behalf of your financial institution ( unauthorized use of credit card ). As the original creditor in any credit transaction, only I decide if I was approved or denied for an extension my own credit. If PENFED CREDIT UNION fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card in the next 15 days, I will have no choice but to make your financial institution criminally liable for all actual damages pursuant to 15USC1681 ( n ) and 15USC1681 ( o ). I will also follow up with an invoice seeking {$10000.00} per violation of the law found in this transaction.
Product: Debt collection

I ran out of room to write this on the screen prior. I used XXXX XXXX XXXX XXXX XXXX to spray my lawn and paid them up front for the entire year. They left an invoice each time showing what they did and what it costs but which I always pitched because I paid the whole year in advance. They showed up the following year and sprayed my lawn again and left a bill. I called right away and told them I didn't want my lawn sprayed by them again because I wasn't happy with the way it looked after being treated of a year. I explained to them that I didn't sign into any agreement with them to do my yard again and have no standing contract with them. The salesperson I spoke with screamed at me on the phone so I hung up and wrote a letter to XXXX XXXX XXXX XXXX  and this was the last I heard until receiving a debt collection notice for {$47.00} today XX/XX/25. I don't understand how someone can attempt to collect something I didn't ask for or have a signed agreement ahead of time as a promise to pay so I was very surprised by the letter and I certainly don't feel I owe this company anything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights.

15 U.S.C 161 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my instructions
Product: Debt collection

I contacted FINANCIAL ASSISTANCE INC To talk to them about a debt that I did not know about. It was overdraft charges from. A bank account that I did not authorize overdraft charges. We talking to the lady ( XXXX ) she stated that she sees I just did bankruptcy and if I didn't have it paid off in 3 months it would go onto my credit report and damage my credit. I told that I could set up a payment plan but that plan was not good enough because within three months it would hit my credit and damage it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This date is over 90 days I have not received a response yet. I feel like I'm being taken advantage of and my dispute has fallen on deaf ears. Section 611 ( a ), it plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted immediately be deleted I am demanding that these accounts deleted at once or I will file for litigations due to the stress you caused me. My information was also impacted by the XXXX data breach. and may have gotten in the hands of the wrong person.
Product: Checking or savings account

I dont use the account often but I had an insurance payment issued into it so that it would be safe and saved for a new car when I was ready then when I finally was ready I went to withdraw the money and found it had been stolen and someone made a {$5000.00} withdrawal and a few other purchases with my card I still dont understand how because I still have my debit card but I reported it and the bank Denied it once saying that I had to prove myself innocent but how do I prove myself innocent Im a victim of fraud not a criminal
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my credit report. Please delete now.
Product: Credit reporting or other personal consumer reports

Please note the attached documents and correct the erroneous reporting on the GENESIS Financial Account. Please see the attached complaint letter, email communication and call log screenshot. GENESIS reported me as 30 days late in error. First of all I was only 21 days late at the time of the reporting. Secondly they sent my final bill to the wrong address even thoug I corrected the address twice.
Product: Mortgage

Last XX/XX/XXXXI started a Home Loan Modification with Mr. Cooper. During these many months I endured horrendous treatment. The service was so bad, the follow up non-existent. The number of calls I had to make to get answers ( which were never the same ), the amount of personal financial documentation the was lost and resubmitted, the hours on the phone being passed around and disconnected, the lack of any kind of policy that requires their employees to return voice mail messages ... I am certain I am leaving out so much due to having to " let go '' of the stress this company caused me, unnecessarily I might add. NOW, someone at Mr. Cooper has gone into my online account and added an Escrow account that was agreed upon that I don't need. I pay my taxes in FULL and ON TIME every year for the last 17 years. Please see attached payment history. I can not afford the payment they are requiring now - it's hundreds of dollars more each month. It was explained to a supervisor many months ago, that I have a non-liquid account where I pull out property tax funds twice a year without penalty. I pay my property taxes this way since my husband passed away in XX/XX/XXXX. I CAN NOT AFFORD THIS MONTHLY PAYMENT WITH MY CURRENT SALARY. This escrow account for property taxes needs to be cancelled immediately. As agreed to last year by Mr. Cooper. I have called and left 2 messages for a gentleman by the name of XXXX. He doesn't return phone calls. My 3rd phone call was to their call center. I held for 32 minutes waiting for someone to answer, then spent another 30 minutes being placed on hold while a woman desperately fumbled around for answers and placed me on hold 5 times. When she finally came back for the last time she actually told me that they had paid my taxes for me and I now owed them money. Unbelievable. I am back in XXXX. TRAIN YOUR PEOPLE!!!!!!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an {$85.00} debt the falls under the fair credit reporting act and it is under {$500.00} And under the fair credit reporting act should be removed from my credit files, And XXXX XXXX XXXX has used unlawful HIPAA violation documents to validate discount in the first place this account shouldve been deleted a long time ago
Product: Checking or savings account

On Saturday, XX/XX/XXXX, my father was unable to cash his check because the teller told him she wouldnt have enough money if more people wanted to cash checks on that day. My father was the first customer of the day and could not get all of the funds he requested. On Monday, XX/XX/XXXX I went into the bank to complete a transaction. The bank had signs up stating the maximum that they could give any person requesting money was {$500.00}. The banks rule States that we can withdraw {$5000.00} per month without any fees.
Product: Checking or savings account

My account was closed and the money was frozen for about three months, and this is a long time, as I was harmed to the point that I was fined for being late in paying, including traffic violations and the credit card. I was also fined for being late.
Product: Checking or savings account

I received an email on XX/XX/2024 from Capitol One saying I have opened a new XXXX checking account. This was done without my knowledge and must have been fraudulent activity.
Product: Debt collection

This complaint is for XXXX XXXX College as well as Conserve Collection agency. I called XXXX XXXX College in XX/XX/XXXX to inquire about a balance on my account when I was trying to register for classes. To my surprise, she stated that I had a {$390.00} balance for a registered class for Fall of XX/XX/XXXX. I let her know that I delivered my premature son in XX/XX/XXXX and I did not take nor drop or withdraw from a class- it was not possible. She stated that I would have to come in ( I live an hour away ) and file an appeal for it. 

TWO weeks later, I get an alert on my credit report that there is a new account listed, Conserve. I called to find out what company was the original creditor, and they stated that XXXX ( XXXX XXXX College ) was the original creditor but they didn't know for what. XXXX NEVER notified me that there was any sort of balance on my account- let alone one that would possibly be forwarded to collections, I HAD TO CALL THEM TO REGISTER then all of a sudden 2 weeks later its already in collections? How? 

I drove the hour to XXXX in XX/XX/XXXX to file the appeal. When asking about this balance, I asked how it would be possible to have a balance for a class that I never took. If I was registered for a class, after 24 hours of non-payment, the class is automatically dropped. Also, after being a no-show for a class, ( online or in person you are dropped ). They are attempting to charge me a balance for a class that I was not even able to log into ( my doctor verified this with the letter he faxed to XXXX ) and that I should have been automatically dropped from this. 

After sending in all supporting documents and a statement explaining why I was appealing this balance, I got a call from someone at XXXX saying that they changed a rule that you only have 90 days to appeal something like this and now it is too late. She gave me the email address of the woman who made this decision- XXXX and that was it. How is someone supposed to appeal something within 90 days if they are not given ANY notice of this at all? I would have never known this was even amount that I was being charged, had I not contacted them about registering for a class. Conserve and XXXX are now single-handedly ruining my credit by reporting an account that is not even a valid debt EVERY WEEK. This is literally a scam and {$400.00} may not be a lot to many to where they would just pay it but this is WRONG. This is not a valid debt- these are not real charges! 

XXXX and Conserve are trying to make money off of people by bullying them into paying XXXX  charges. I called Conserve again this morning and advised them that I am attempting to handle this with XXXX and this is being disputed and the rep stated that they will continue to report this every week. Please help.
Product: Student loan

I submitted a complaint through CFPB, Case number : XXXX. Key Bank was willing to work with me to activate my account and remove it from " charged off '' status. I made the payments as outlined by Key and my account was returned to XXXX XXXX to handle my account where I have made payments the past two months and I am up to date. I am still receiving late payment notices from XXXX XXXX, the collection agency. I received a late payment notice from XXXX on XXXX XXXX, 2015. I reached out to XXXX Key Bank, the contact that I was given should I need any assistance at Key and I have left several voicemails to call me back and help get this resolved and I have yet to hear back. I stated in my last voicemail on Saturday XXXX XXXX, 2015 that if I did not hear back from her by XXXX XXXX, 2015 I would file another complaint because that seems to be the only way this company will work with me.
Product: Mortgage

Like many we had job losses during the pandemic. We requested forbearance with our mortgage company XXXX XXXX. We were approved for that. Our loan was then sold to Mr. Cooper fall of XXXX. We reached to Mr. Cooper about a modification to our loan as we are not financially able to pay a lump sum at this time. 

Starting this year, XXXX... We signed papers saying we would make 3 trial period payments and if we did that, they would move forward with the modification. Our first trial payment was XX/XX/XXXX, then XX/XX/XXXX XXXX XX/XX/XXXX. We made all those payments as requested. 

After XXXX, we heard nothing! No email correspondence, nothing sent by mail, no phone calls XXXX nothing about what to do next on our online account. We reached out to Mr. Cooper as we were concerned about how to make our XX/XX/XXXX payment. The person who answered the phone there said they were still in the process of booking the modification and she could take our payment. She said the booking should be done soon. 

Then we came to XX/XX/XXXX and still... .we have heard nothing! No calls, no emails etc. So again, we called XX/XX/XXXX to inquire. Again-we were told they are still booking the modification and they could take our XXXX payment. 

Then we received a call XX/XX/XXXX saying we needed to make another payment??? 
I asked to speak to a supervisor as we had already made a XXXX payment and thus there was no one to help. The person on the phone from Mr. Cooper said we HAD to make another payment to start the booking of the modification. This made no sense to us as to why we were having to make a 2nd payment in the same month. 

Today is XX/XX/XXXX and we were told a supervisor would be in contact with us to help us, and we have received no such call. Also, looking at our account online it does not show any information except that we owe a lump sum of money. No information as to why we still have no modification completed, no calls from them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to DELETE & REMOVE these Fraudulent Accounts IMMEDIATELY : 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT ] In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. 

The selected laws are as follows : 15 U.S.C. 1681s-2 ( A ) ( 1 ) [ 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Money transfer, virtual currency, or money service

I was trying to pay Amex bill through XXXX XXXX  account app but the money went to anther Amex account which is not related to me my bank account was hacked first transaction was a payment of {$1300.00} on XX/XX/XXXX. Second one on XX/XX/XXXX payment of XXXX both transaction went to account no XXXX whit is not my account
Product: Credit card

I have not supplied proof the doctrine of estoppel by silence. XXXX v. XXXX  ( mo ) 281 sw 715. 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists My debt was sold to another entity so by law this account should be removed from my credit report expeditiously because of the negative damage its causing towards my score!
Product: Mortgage

Selene is using dual tracking. They have slowly led me into foreclosure and this happened after I had submitted my loan modification application.

I was barely 60 days late. They refused one payment. Then the next months refused a payment. Then 130 days late refused 3 payments then I began loan modification application they re dived XX/XX/XXXX and yet they keep dragging it out saying I need this or that and even after I give it to them, they continue to ask for the same things all the while Im in foreclosure with their letting the days continue to go by month after month now! Please help!!!
Product: Money transfer, virtual currency, or money service

I had received my working check on on XX/XX/XXXX and try to go cash it at the Bank of America XXXX XXXX XXXX in XXXX XXXX. They got a XXXX to approve for me to cash it. When he found out I was XXXX he just said he couldnt cash it. I asked him why and he said the account number is wrong get out. I have XXXX forms of iD and even my XXXX info but he just wasnt hearing what I had to say.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX I didnt asked you to go in and Enter included in bankruptcy on XXXX XXXX XXXX I have disputed this with Equifax and XXXX XXXX and both of you guys fail to do a proper investigation based on Equifax credit report the bankruptcy was filed XX/XX/XXXX here we in the year XXXX and you trying to cover your XXXX and enter the requirements ive included in bankruptcy violating the FCRA both of you have been notified to start legal action. Remove the XXXX XXXX account in its entirety and send me an updated credit report I dont care which one of you remove it but it needs to be removed see file of when it was at it! I attached a copy of the credit report into documents showing there is no XXXX XXXX reference anything about it could you please resend me the copy of the report that has been attached and highlight where or of if you see anything regarding a discharge XXXX XXXX and I do exercise my rights under FCRA 609a ( 2 ) to request you to return the copy of the credit report thats attached to this complaints/ dispute Thank you XXXX
Product: Money transfer, virtual currency, or money service

I 've had a PayPal account for years. I 've got a linked credit card and linked bank account. 

PayPal is refusing to allow me to transfer money stored on PayPal to my bank as of Sunday, XX/XX/XXXX. The reason given was that I have a " withdrawal limit '' based on U.S. banking laws and need to supply two out of three pieces of information. I have supplied all of the required information and PayPal is still refusing to release my money. 

The pieces of information listed were : 1. supply a linked bank account ; 2. supply a linked credit or debit card ; and 3. provide your social security number. 


I had already provided the requisite two out of three pieces of information, but added my social security number anyway on Sunday, XX/XX/XXXX PayPal still refused to release the funds, citing a withdrawal limit and directing me to the same three pieces of information. When I tried to add my social again, this time it told me that I had done all that I needed to do. 

So, I waited. The next day, which was Monday, XX/XX/XXXX, at approximately XXXX a.m. XXXX, PayPay still would n't release the funds. I called them, but their hold times were long and they do not provide a message stating an approximate time that a caller will have to wait, so I hung up and sent an email instead. In my email, I noted that their website promised a response within 24 hours, so I explained the problem and also explained that I would file a complaint to the CFPB if they did not contact me or resolve the problem in 24 hours. 

I received an automated reply with information available in their " frequently asked questions '' section, which did not help me and which I had already read. I responded asking someone to please read my original email. 

I received a reply from a person, XXXX, that contained the exact same information from their FAQ that had previously been sent to me. I replied that I 'd already done this, and asking someone to please just read my email, but by this point it had been 24 hours and copied and pasted info from a FAQ is not something that I count as contacting me about the problem, as I 'd requested, so I 'm filing this complaint.
Product: Payday loan, title loan, or personal loan

This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. 

In accordance with the Fair Credit Reporting Act, the following creditors, NAVY FCU - ACCT # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Product: Credit card

I received a letter in the mail that my credit limit had been reduced. Macy Department Store is reducing peoples credit, the reason is they say there system automatically reviews the account every XXXX and it 's based on information they receive from XXXX every month. I think this is crazy and who gives them your information on other credit you have every XXXX days.