23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I enrolled in national debt settlement program in XX/XX/XXXX with a total of XXXX debts. I was advised within XXXX XXXX XXXX months there will be a settlement. One of my debtors contacted them in XX/XX/XXXX and made a settlement. I was not aware once a settlement is made there is 25 % upfront fee of the balance. National Debt has paid a total of {$100.00} to XXXX creditor and have taken a few of {$1500.00}. I was stunned. I have spoken to numerous people including management however they are not willing to do anything. No other action at all has been taken on the other XXXX creditors because now I am told I have to build up funds because it was all taken by XXXX XXXX. National Debt has not fulfilled their obligation not are they willing to refund any of my money as requested. This has really created a hardship for me. Why can't fees be collected throughout the XXXX month term. I have not been able to reach anyone at the highest level although they tell me they are supervisors. This has been a ongoing battle and I truly feel that I have been taken advantage of. No One is willing to help. So disappointed. This should be illegal. I have been lied to on so many levels and I feel hopeless. National Debt has created another hardship for me. They are making no attempts to reach any other settlements not will they refund any of my funds.
Product: Mortgage

Suntrust Mortgage continues to charge me $ 20/month for a property inspection when the account is less than 45 days late. It has been disputed to no avail. This is on top of the late fees. I am also receiving mail from XXXX XXXX XXXX XXXX ( XXXX ) claiming that they have been hired by Suntrust to " Advise '' me of this debt. I have contacted Suntrust, by phone, and Suntrust claims that they have not hired XXXX. I have sent a drop-dead letter by certified mail to XXXX. They have continued to send me mail and XXXX actually showed up at my house on Saturday, XXXX/XXXX/15 requesting my driver 's license to verify information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, all information is required to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but last reported dates and date last active are all inaccurate to include account number for XXXX  : ** XXXXXXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX XXXX XXXX Acct # XXXX I feel that this is ground for removal from my credit report and my rights have been violated under the following : 15 U.S.C 1681 Section 602 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Product: Payday loan, title loan, personal loan, or advance loan

Good afternoon, I am posting this about a loan that I never received and that they never gave me and that I am supposedly having to pay for it. How is it possible that I have been paying a loan that they never gave me and that I never receive. That is why I demand the immediate return of the payments I made as well as the repair of my credit immediately. Here I leave the loan that according to them they gave me that I made the payments on the fraudulent credit that they never gave me and that damaging my credit and demanding payments from me. I want my money and they do not have the information or the Page itself, everything is very impossible to claim both online and by phone. It is a fraud promising things that it will never deliver and that is stealing and demanding payments. So I suggest that they be investigated because I must not be the only one. so I want my money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or XXXX, ( collection agency ) until it was turned over to collection. I sent two letters to XXXX explaining the situation and that the bill was due / paid by the new homeowners. Zero response from XXXX. 
Finally when I saw the collection on my credit report, I called XXXX and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify XXXX that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX   removed it in 24 hours. The other two agencies have not. 
This gross mistake by XXXX is costing me a mortgage and poor credit score. 
Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

Hello my Name is XXXX XXXX I am a victim of identify theft unknown offender used my personal information to open a fraudulent bankruptcy case number XXXX I would like this fraudulent bankruptcy case number XXXX filed with Experian to be deleted from my credit report this fraudulent bankruptcy information is not mine this is fraudulent please close this bankruptcy would like this to be closed and deleted from my credit and public records this is fraud does not match my name or my personal information the address listed on this bankruptcy I have never lived please close and block this fraudulent bankruptcy XXXX. Thank You XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them a dispute letter on XXXX XXXX 2017 by Certified mail. ( They receive it on XXXX ). As I 'm patiently awaiting my 30 days to pass, on X/XX/17, I call them to verify if the the copy of the license and my social security card in my new last name that I attached to my dispute was sufficient for changing my name ( due to marriage )? I did n't want two different last names floating around on my credit file. On XXXX the US rep tells me that I need to fax in proof of my name change, which I think is strange since I 've already attached a copy of this same driver 's license and social security card to my original dispute letter, but I comply and fax in requested info on X/XX/17. On XXXX I get a letter from TransUnion ( dated XXXX ) stating that they need an extra 15 days since they 're in receipt of new information regarding my dispute. This is totally incorrect. The information i faxed was mutually exclusive and not at all related to my dispute. It was specifically to verify my legal name change due to marriage. This is not a dispute issue and had nothing to do with my Dispute letter. This letter confused me so I called and spoke with XXXX XXXX XXXX of Special Handling about 5 minutes ago. He was polite but literally could not defend the reason why Trans Union needed 15 extra days. He started with " it takes an additional 3-5 days to upload information in the system. That sounds like a TU problem to me and should be covered in the 30 day time frame. He goes on to state that " Since you sent in supporting documentation we need extra time ''. What I sent in was mutually exclusive and not supporting document related to my dispute. I asked him if the law in fact states that they have 30 days and if no response is received from the creditor, it had to be removed? He said " yes '' but some of the creditors stated they would n't have the info until XXXX and XXXX said XXXX. This is also not my problem. If the reporting companies do n't comply, they should remove it from my report. Am I wrong or missing something? I think they 're stalling on my dispute/verification. His grand finale of excuses was " we are receiving millions of disputes that we ca n't keep up. He explained that they all wo n't be handled in 30 days they and needed to ask for extensions. I do n't believe that a lack of proper forecasting on their business end should constitute a problem on my credit file. In addition, as of today X/XX/17, my name has already been changed from XXXX to XXXX, therefore they shouldnt need additional time on my dispute. Please help me. I believe this is a stall tactic which happens to be infringing upon my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has yet to resolve the multiple disputes about incomplete, inaccurate, and unverifiable information and is in multiple violations according to FCRA and other consumer laws as stated in the attach affidavit which XXXX is in default. XXXX has yet to pay invoice for violations, damages etc. 
XXXX is yet to take appropriate actions according to FCRA towards fixing my credit report on the disputed incomplete, inaccurate, and unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had so much Identity Theft since about the age of XXXX and wasn't given enough information to reach out to get help for what types of fraud against me, PLEASE HELP!
Product: Debt collection

Received a phone call from XXXX XXXX at Kinum Incorporated today. After advising that I never received any letter from them & the piece of equipment ( saxophone ) they want me to pay {$1000.00} for was a rental that was returned last year. 

He stated I didnt have a choice and that I had to pay it anyways, he began stating birthdates/ socials/ children and even employer information. The call was hostile from the start. In addition when I tried to ask for the contract information to be sent ( validation of debt ) he spoke over me and then hung up. 

I am requesting this company provide validation of debt through the CFPB and seize all contact via phone.
Product: Debt collection

I contacted the company, with the issue and requested all the paperwork that has to do with my collection and they are yet to send anything to my possession.
Product: Mortgage

We are in the process of selling our home to prevent foreclosure. In 2021 three separate Cashier 's check totaling XXXX were cashed and never applied to our account. They are saying that these payments were rejected and sent back to me. My bank has sent proof that two of these cashier 's checks were cashed and negotiated by PHH bank. I sent the email from XXXX XXXX XXXX showing the front and back ( # XXXX the amount of XXXX and # XXXX {$9000.00} were cashed and endorsed " FOR DEPOSIT ONLY XXXX XXXX XXXX ''. I have been going back and forth with their CSRs and they keep repeating that the checks were returned back to me. They don't seem to understand that they could not have sent them back to me once they were deposited into their account. What they should have done was cut me a check for the checks that they had cashed and not credited to my account. I am simply asking for the funds to be sent back to me so i can sell this house. Also, they have included an additional {$19000.00} to the payoff amount previously reported to me. I believe they have double the attorney fees in the " Recoverable balance '' that was sent to the title company halting the proposed sale of my property. Per FDIC rules the cashier 's check could not have been returned to me after they endorsed them, anyway. 
I have asked them to prove that they sent the checks back to me and they haven't because they didn't, it would have been impossible. I BELIEVE THAT THEY ARE TAKING ADVANTAGE OF ME BECAUSE OF MY AGE.
Product: Credit reporting

I have repeatedly disputed credit report information to all three bureaus regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ), I received XXXX Cancellation of Debt forms in XX/XX/XXXX from XXXX ( tried to upload the forms but was given an error message ) .that were specifically marked that the debts were discharged/forgiven and supplied these to the bureaus who had been reporting them currently delinquent with open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I provided them in my disputes, they at first updated the items correctly. Unfortunately Equifax and XXXX subsequently reverted back to reporting it incorrectly as originally disputed ( XXXX made corrections and continues to report accurately ). I have spoken to supervisors with Equifax on numerous occasions who will correct the info manually only to explain to me that the creditor ( XXXX ) is the reason for this ongoing issue. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. This has caused an enormous amount of grief as I was approved for a student loan in XXXX XXXX for my daughters XXXX year based on an Equifax report that at the time had the corrected info. When they re-ran my report in XX/XX/XXXX the incorrect information was back on the report and my loan denied two days before taking my daughter to college. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts closed, with {$0.00} balances and no delinquency regarding monthly payment history past XXXX. It appears ( based on Equifax 's explanation ) that this lies with XXXX continuing to report the accounts inaccurately but I still believe it is incumbent upon the bureaus to report what they know is accurate regardless of what the creditor is reporting if they ( the bureuas ) have validated it. Please help me get this corrected permanently. It has been the cause of numerous credit related issues, specifically the ability to send my daughter to college as originally planned.Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020 I received a copy of my credit history report from Experian. That report contained incorrect information reported by you. 

I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 

1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX 2. XXXX XXXX XXXX XXXX, Fl XXXX
Product: Debt collection

After careful consideration your firm that you represent " Nationwide Recovery Service has been practicing illegal credit acts. 

Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. 

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894. 

First thing, You do not have any lawful right to be in possession of my identifying information. 

Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 usc 894 and carries a criminal penalty of 20 years.

The last thing Nationwide Recovery Service need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding to have the alleged entry deleted and removed from all 3 reporting CRA 's effective immediately.
Product: Credit reporting

I am writing to dispute the disposition of the date closed on XXXX accounts and XXXX public record on my Transunion Credit Report. XXXX accounts were with XXXX XXXX XXXX XXXX, and show the date " closed '' as XXXX/XXXX/XXXX, but they were closed on XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX was the date of discharge. XXXX XXXX closed and wrote off all of my counts even previous to my filing for bankruptcy and at the time of bankruptcy notified me os such, as well as notified me that my membership was terminated. It is impossible by virtue of this fact, that the accounts are shown " closed '' over 1.5 years later. Similarly on the public bankruptcy record, Transunion shows the date " paid '' as XXXX/XXXX/XXXX, but this inaccurate in this was the date of discharge, the date of " paid '' or " closed '' is XXXX/XXXX/XXXX. I owed no monies due to the discharge, so this should not be characterized as " paid ''. Transunion has claimed these items to be " verified '', but they are inaccurate.
Product: Credit reporting or other personal consumer reports

I have identified several items on my credit report that I do not recognize, which suggests that my identity may have been compromised. I did not authorize these accounts, and I am requesting their immediate removal from my report. Despite raising this issue previously, the unauthorized accounts remain, causing me significant distress. They inaccurately reflect my credit history and are obstructing important financial goals, such as purchasing a home and supporting my family. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights. I trust that we can resolve this matter swiftly.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX AND XXXX  XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding XXXX  XXXX XXXX handling of my account, which was abruptly closed in XX/XX/year>2023 without any prior warning or explanation. When I contacted the bank for clarification, I was informed that the account had an overdrawn balance. This came as a complete surprise, as I was unaware of any such transactions. 

Prior to this incident, I reported my phone stolen to my cellular provider. I suspect this may have contributed to unauthorized activity on my account. Despite promptly sending the necessary paperwork to XXXX XXXX XXXXXXXX to dispute the charges and report potential fraud, they failed to follow up or resolve the issue. 

To make matters worseXXXX XXXX XXXX  XXXX reported this alleged overdrawn balance to credit bureaus, causing significant harm to my credit report. I believe this reporting is unjustified given the circumstances and the lack of resolution from the banks end. 

I request your assistance in investigating this matter, ensuring XXXX  XXXX XXXX properly addresses my concerns, and correcting the negative impact this has had on my credit report. Please let me know if additional documentation is needed to assist with this case. 

Thank you for your attention to this
Product: Credit reporting or other personal consumer reports

This company was served a validation and cease and desist letter requesting specific proof and it has not been provided.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was both unfair and deceptive, failing to comply with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various complaints and written many letters about a bankruptcy being reported on my credit report. It is listed that the information is provided by the US bankruptcy court. I have a letter stating the is not true from the US bankruptcy court. Then I was informed that the information was provided by XXXX was is illegal for a third party to dirt up something then sell it without my written permission. But XXXX did not provide the information because I opted out of their system. I don't give anyone permission to provide my information. FCRA laws state that my permission is needed in order to put things on my credit report and if permission is not granted and I dispute, it should be deleted.
Product: Student loan

Made a call to Mohela on XX/XX/2023 to advise them my loans have been forgiving and my credit report and account need to be updated.