23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously utilized the services of XXXX XXXX. This service was discontinued in XX/XX/year> with the return of equipment during this closure. The cable company continued to bill by credit card after discontinuation of service. I contacted my credit card company disputed the charges and was refunded the money. 

Later I receive a collection notice from Credence Resource Management LLC regarding a bill for {$300.00} for equipment charges. I contacted Credence Resource Management by mail and informed them that the equipment was returned and the balance on my account was paid in full. 

I later received correspondence from Credence Resource Management LLC, agreeing to reduce the debt to {$180.00}. I responded by declining their offer informed them of the potential violation of the Fair Debt Collection Practices Act and requested that they correct any inquiries to the major credit reporting agencies.
Product: Debt collection

I asked for verification and the letter attached is what i received. I want the actual signed contract.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *I disputed all these unauthorized open accounts*
Product: Credit reporting or other personal consumer reports

THESE COMPANIES PULLED MY CREDIT REPORT WITHOUT MY CONSENT. THESE INQUIRIES WERE PULLED FRAUDULENTLY.
Product: Checking or savings account

I already have a complaint out against Bank of America about excessive NSF and overdraft fees but realized they are doing something that is against their policy by charging me 2 and 3 times {$35.00} each time for the same transaction. This is not right and I want this fixed
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$400.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card

I am profoundly distressed by the condition of my credit report, and my disappointment is thorough. It is not only embarrassing but also evident that either you or the company is responsible for the inaccurate information being reported. With a consistent record of timely payments, I earnestly request the removal of any references to late payments
Product: Credit reporting or other personal consumer reports

I'd like to dispute a hard inquiry on my credit that was done on XX/XX/year> by the following institution : Institution Information SYNCB/LOWES PLCC XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Good Afternoon, On XX/XX/XXXX my Experian credit score was XXXX. On XX/XX/XXXX it dropped to XXXX. It states the reason is I was late for 60 days. One, that makes no sense because I would have taken a 30 day hit on the prior report. I have a 66 page credit report and have spoken to Experian.com and there is nothing that has ever been late. They are telling me the only way to fix this is to call and pay a credit person since all the accounts are in good standing. How can this be legal? They can just drop my score so I have to hire and pay someone? If they can find out what is supposedly late, why can't I? Both of my other credit reports are XXXX to XXXX. How do I fix this illegal issue? Please help? 

Payment history rating : VERY GOOD 1Late Payments 30+ Days Number of your accounts that were ever 30 or more days late, or have a derogatory indicator A reported missed payment or derogatory indicator which indicates that an account has not been paid as agreed. Authorized user accounts aren't considered in the calculation of this attribute. About XXXX XXXX  of FICO High Achievers have no missed payments at all. 


0Collections 1Late Payments 60+ Days Number of your accounts that were ever 60 or more days late, or have a derogatory indicator A reported missed payment or derogatory indicator which indicates that an account has not been paid as agreed. Authorized user accounts aren't considered in the calculation of this attribute. Virtually no FICO High Achievers have a 60 days late payment or worse listed on their credit report. 


0Derogatory Public Records XXXX XXXX Accounts Always Paid as Agreed UnknownTime Since Most Recent Late Payment Thanks, XXXX XXXX XXXX
Product: Credit card or prepaid card

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.
Product: Credit reporting or other personal consumer reports

By law I did not give permission for these companies to report negative items on my report
Product: Mortgage

Our co-borrower submitted a complaint yesterday. She is a 'borrower ' on our loan modification documents, but Flagstar Bank will not add her to our account as a borrower or as an authorized person. Today, she received an email response from Flagstar and CFPB that stated : " This complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' This is exactly the point she was making in her complaint. Her complaint submitted yesterday stated the following : " The mortgage for our house was modified by Flagstar Bank. In the modification documents that were signed by everyone and recorded, Flagstar included me as a 'borrower. ' Originally, I was on the deed as an owner, but I was not on the original mortgage loan documents as a borrower. During the modification process, Flagstar added me as a borrower, I think because I have an ownership interest in the property. The loan modification document that includes me as a borrower has been signed by everyone ( including the Vice President of Flagstar ), notarized, and recorded. Still, Flagstar refuses to add me as a borrower and an authorized person on the account. I can not make payments or discuss the mortgage loan even though I am technically a " borrower '' on the legal document. I tried to fix this issue with Flagstar, but Flagstar refuses to talk to me. Flagstar claimed that I am not a borrower even though my name is listed as the 'borrower ' on the first page of the modification and 'borrower ' is my title on the signature line next to my name. It is not okay with me that I am a borrower on the legal loan document, but can not discuss any matter with Flagstar or access any information about the loan. Flagstar said that because I am not personally liable for the loan, I am not a borrower. This can't be true because our lawyer told me that there are many people who are borrowers with non-recourse loans who are not personally liable for their loans. '' The loan agreement listing her as a borrower and the response to her complaint is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, Bank XXXX XXXX acct # XXXX, also XXXX XXXX XXXX XXXX 30 day late payment, and XXXX XXXX XXXX XXXX and 120 day late payments has violated my rights. 

15 U.S.C. 1681 section 602 A. It also 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 an account withiut my written instructions.
Product: Credit reporting, credit repair services, 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 U.S.C. 1681 s-2 ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 



( XXXX ) DUTY TO PROVIDE NOTICE OF STATUS AS MEDICAL INFORMATION FURNISHER A person whose primary business is providing XXXX XXXX, products, or devices, or the persons agent or assignee, who furnishes information to a consumer reporting agency on a consumer shall be considered a medical information furnisher for purposes of this subchapter, and shall notify the agency of such status. 



( b ) DUTIES OF FURNISHERS OF INFORMATION UPON NOTICE OF DISPUTE ( 1 ) IN GENERAL After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall conduct an investigation with respect to the disputed information ; review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; report the results of the investigation to the consumer reporting agency ; if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

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 card

A national tire company, XXXX XXXX uses this bank for finance options when needed for tire purchases. The bank is XXXX. After paying my bill, I was taken aback by the bank prompting me to enter my entire social security number on their bill pay website. I called and made this point clear a couple days after the due date with a phone representitive. I was told the balance was {$41.00} and that payment would " zero out '' the balance on my XXXX XXXX  card. I was charged {$37.00} for the " delinquent '' payment. Subsequently, a second fee of {$37.00} was added to the balance as I just assumed I was done with my payment obligation. My latest statement ( XX/XX/year> ) shows a balance of {$76.00},, due to XXXX late payments of {$37.00} each on my balance of {$41.00}. This debt was paid in full acording to the offshore Comenity customer service representative. I had no reason to even open the last paper statement. I just assumed my balance was paid in full. I was shocked to see my account charged XXXX late fees and interest accrued.This nesesitated a phone call to XXXX where, I was prompted to enter my entire social security number. It's imporant to note, Comenity blanks out all but XXXX digits of the account number on their paper statements, therefore prompting me to enter my SS #. After more than an hour on the phone with XXXX representatives from XXXX, all declined to waive the excessive fees and the XXXX XXXX APR interest rate. My obvious frustration and anger, for good or bad, prompted XXXX to block my number for paying my " surprise '' balance of late fees and interest via the customer bill pay phone line. I canceled my card with the fifth customer support representative in my marathon phone session. So, my card is cancelled by my request. When I got to my home phone I was further agrivated by these charges and called to make a payment on my balance of fees and interest. The company has blocked my number from further communication with Comenity. I'd be more than displeased to pay my balance but would with small increments till the {$76.00} was paid. XXXX says no payment other than the minimum payment would be accepted. I am aware that there is a loud voice from consumers to banks to " be fair '' with outrageous fees. In my estimation, XXXX simply doesn't need or can't justify this kind of money, AFTER my purchase has been paid in full. Since my account has been canceled, can I not simply make any payment option I choose to pay these fines? 
I'll write my representatives in XXXX to shine the light further on business practices by banks that harm real people, like me. Please afford me any options that XXXX be available and thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried disputing with XXXX  XXXX on more than three occasion but they keep reporting me late for the past 16 months although I have a written agreement with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX. I recently Check my credit report and find out there is something wrong on my credit account and other credit histories. I never attended college or university before but there is student loan is on my credit report. I already talk to the credit report company that. but student loan still showing on my credit report until today. I don't know what to do.

I'm going to hire a lawyer and sue these credit report company and Need to Remove student loan Asap. I'm reporting these XXXX, Equifax, XXXX today. I already mail to them but they don't response my request for loan application which is identity theft and where did I apply loan and loan sign up. They should reply mail back to me with evidence in 30 days. but they didn't do that. Please Help me to remove wrong information on my credit report. I really frustrated with my situation. Please help me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX Account Number : XXXX Opened XX/XX/XXXX Account Name : XXXX - Account Number : XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Account Name : XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Opened XX/XX/XXXX Unauthorized inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX credit card. I was never late on it.I sent Equifax my credit card bank statements to show them that I was never late on it and they still dont want to remove the late payments on the account. They told me to contact XXXX  XXXX and I contacted XXXX XXXX on XX/XX/XXXX they told me they will send a letter to Equifax to remove the late payments on my account and after 30 days the late payments should be removed. I called Equifax last week they said the late payments will stay on my credit file for 7 years.Thats my 12th times disputing those late payments.
Product: Credit card or prepaid card

I recently did a refinance on my home and included a payout to my credit cards. Macy 's was sent a check on XX/XX/XXXX in the amount of {$2000.00} from the title company. The check included a letter with my information along with a memo on the check with my address and last four digits of my credit card. The check was received by Macy 's on XX/XX/XXXX. The check was cashed on XX/XX/XXXX. I have contacted Macy 's customer every week at least twice a week since they received the check which at first they claimed they did not receive. I put in a dispute and then they stated that they don't know where the check was credited. When I call the customer service they know nothing and just keep saying that billing will look into it but will not give me a phone number for billing. I then received a letter from Macy 's on XX/XX/XXXX stating that as of the date of the letter they had not received my check. I then faxed them the ups receipt that they did receive the check and a print out from the title company of the cashed check. I do not think that any consumer should have to go thru this to make a payment. Needless to say I am now out of {$2000.00} dollars that Macy 's claim they can not find.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint XXXX the XXXX XXXX XXXX XXXX report XXXX and a prior Validation of Debt letter.
Product: Mortgage

Got a FHA Mortgage through XXXX XXXX who sold it ( or is having it serviced ) by Dovenmuehle Mortgage. I am having the same issues with this company as everyone else. They are absolutely terrible to deal with. Like the others, they offered me the Covid Hardship Forbearance and it has been an absolute nightmare to just simply resume payments. Nearly 11 months into this. I can't make that up. Yes, 11 months. In XXXX of XXXX they confirmed I could be in Covid Hardship Forbearance. No documentation sent. In XX/XX/XXXX I called to confirm I was still in good standing and on track to resume payments XX/XX/XXXX. The rep said yes and even offered me additional months of forbearance which I denied because I wanted to resume payments on XX/XX/XXXX as scheduled. Literally on XX/XX/XXXX, I got approved for a car loan and they confirmed my mortgage was in good standing. On that very day I get a letter saying my home is in foreclosure for 6 months of past due payments. Not a single letter, a phone call or email. No hits to my credit. My account said no payments due for 6 months. That is when the nightmare began for the past year. 
This company is a mess. Some reps say I was in forbearance. Some say I wasn't. Some say I was in foreclosure. Some have said I was never in foreclosure and that is a scare tactic they use. Imagine that. Their own law firm said they have way too many cases from this particular company of this same issue. The loss mitigation department is even worse. Every single time I call, the rep doesn't have an answer, gives me a different answer, or tells me a supervisor will contact me. The supervisor never calls. They give you the name of your account specialist and contact info. You can never speak with that person. They do not exist. This company does not email you or call you. Nothing. They want to leave XXXX paper trails of their continued errors. 
I went through loss mitigation for months. All their reps said I was being processed for a partial claim. I get back a loan modification after all of that. I have to start the process again for a partial claim. In XX/XX/XXXX I finally get a letter from them saying I have been approved for the partial claim and the documents for signature would follow. No documents for signature arrive, so I email them saying I accept the partial claim and need the documents for signature. No response per usual. I call them and they say the documents were mailed to the wrong address? How is that possible? Every time we speak they confirm my mailing address. The rep said they do this frequently. 
It is now one day away from XX/XX/XXXX, I have called and emailed multiple times and the reps don't know why Dovenmuehle hasn't mailed my partial claim documents yet. This is disgusting. I have never dealt with such a mess of a company that is tangibly harming the lives of its customers. 
This is affecting my family, our finances, our health. Clearly we are not the only ones suffering from this company. 
We have just wanted to resume payments on our mortgage for a year now! It's that simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to the credit bureau to remove incorrect information on my report on XX/XX/2020 and have yet to get any sort of response. It has been well over 60 days and I know this is in complete violation of the FCRA guidelines, even with the new regulations. Please help in resolving these ongoing issues!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$80.00}