23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items XXXX not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I made a purchase for {$25.00} in XX/XX/XXXX. Due to an oversight regarding the payment due date, I contacted the company in XX/XX/XXXX to make good on the payment. I paid the {$25.00} original purchase and by that time two late fees ( for a total of {$50.00} ) had been charged to the account, totaling more than the original purchase. I asked the company to please waive the fee 's given that it was an oversight, that it was only one {$25.00} purchase, which I would pay in full, that was causing the late fees. I made the {$25.00} payment and they waived one late fee, but refused to waive the 2nd one. Thus, at this point, they have been accumulating late fee 's for a late fee they refused to waive. According to a customer service representative, their policy allows them to waive 2 late fees within a 12-month period. I had not had any other late fees having not used that card in more than several months if not a year and having paid any prior purchases in full and in a timely manner. I am simply asking the company to, at this point, waive all outstanding amounts - which total {$140.00}, since they are all related to that initial {$25.00} late fee, which they have refused to waive. Therefore, the outstanding amount is as a result of the company 's fees and not any outstanding purchase amounts. The one purchase for {$25.00} was paid within 2 months in full.
Product: Mortgage

Good Afternoon, I recently filed a complaint about our mortgage, Ocwen and how they wo n't re-evaluate our mortgage and the monthly payment. We are on the HAMP program, which is supposed to lower our payment but because of a miscalculation of of escrow last year, we are now paying way more! I have enclosed a copy of an accrued amount which is applied to our principal. They did n't include our hazard insurance and we had a surplus to our escrow and now they realized it and now we are paying more. Also the wo n't help is because the investors ca n't. We are also paying more for what our home is worth. I also made an appointment with the relationship manager, XXXX XXXX, for today to discuss some payments options, but no call. They are also constantly sending us paperwork to do a short sale and or foreclose. We are making our payments with the late fees, because we are late, but they are still sending us paperwork. Also they have a person taking pictures of our home. It 's not like we are not making our payments. My previous complaint number is XXXX. Ocwen promises that they will keep you in your home but does n't come through as it says on there website, statements etc. Thank you.
Product: Credit reporting or other personal consumer reports

There has been several hard inquiries being reported on my credit report that I do not recognize nor have authorized. 
XXXXXXXX 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 XX/XX/XXXX XXXX XXXX  ( XXXX  ) - XX/XX/XXXX XXXX  ( XXXX  ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sent off a debit validation letter so that the collection company can validate what they are showing on my credit they have failed to provide information that I have asked for they have 30 days to provide me that information Letter was sent off on XX/XX/2019* Professional Bureau of Collections Tracking with USPS:XXXX Letter was Delivered : XX/XX/2019 at XXXX XXXX
Product: Mortgage

I am with Wells Fargo Home Mortgage and was on Covid 19 relief and post XXXX XXXXXXXX when they lost a payment and refused further payments. I was kicked out of my XXXX through the foreclosure attorney based on that lost payment. 6 months later the payment was found abs was misapplied. I have attempted several modifications since only to have my ex wife, who is not on title, and not on my XXXX XXXX be allowed to cancel and request a short sale instead. During all of this I have been trying to recover from a head injury and car accident and now am on SSXXXXI for a XXXX, my current wife and I cant move without a payment history and cant sell and cant rent or do anything and we are stuck. XXXX XXXX with the State of Mn attorney General sent me to you to file a complaint. If a wells took money for Covid 19 relief with promises to modify after how can they say no and try and foreclose. I would like to modify my mortgage and have my current new wife on and the payments put on the back or a letter of mistake so I may rent or buy something else. I have zero history I can show because payments are refused. I was also offered Home Help Minnesota funds if XXXX but Wells Fargo refused to work with them on my behalf
Product: Debt collection

Hello, My old apartment complex ( who has received MANY complaints from previous tenants because they keep adding charges AFTER they close your account and they send those false charges to collections ) has submitted a false charge to a debt collections agency. There was no explanation of what these charges are for because I paid off everything on XX/XX/year> when my account with them was closed. I sent a letter through Certified Mail with tracking to I.Q. Data International , Inc. to dispute the debt. They are refusing to receive/sign for my dispute letter.
Product: Mortgage

Carrington Mortgage Co allerted all XXXX credit bureaus that my home mortgage was not paid in XXXX, XXXX, and XXXX of 2016.
Product: Credit card or prepaid card

On XX/XX/2023, a new Bank of America CastRewards credit card was opened in my name. I first received a text message that the card was in the mail. It arrived at my home address on XX/XX/XXXX. Before receiving the card, I contacted the three major credit bureaus to place a fraud alert on my credit reports, having noticed a new hard inquiry via XXXX. I also received messages, via text and conventional mail, that attempts were made to open several other cards in my name, including via XXXX XXXX and XXXX XXXX. I applied for none of these new accounts, and only the one Bank of America account appears to have been opened. The others were denied due to the suspected fraud. 

On XX/XX/XXXX, after receiving the new physical BofA card in the mail, I cancelled the account via telephone with BofA. They notified me a hold already had been placed on the account, with the card never activated, as a result of my contacting BofA the week before. I am a long-term BofA customer, and I am satisfied with how they so far have assisted me with this apparent case of identity theft. 

On XX/XX/XXXX, I noticed the new account, with XXXX balance, appearing on my credit reports with all three bureaus. I submitted a dispute regarding the new account to all three bureaus. I am submitting this claim of apparent identity theft to the CFPB at their suggestion. 

I have taken no other action but continue to carefully monitor my credit reports on a daily basis. Fortunately, it appears that no fraudulent charges have been posted in my name, at least not so far. 

I have no idea where/when/how my personal information was stolen, or by whom.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV funding has illegally reported an alleged debt to my consumer profile. They sent notices which I responded within the proper 30-day windo requesting them to send back to the original creditor due to numerous debt collection agencies seeking on this alleged debt. Instead, LVNV reported the debt anyways to the credit reporting agencies. Immediate removal of all reporting to the credit reporting agencies as the debt was not sent back to the original including responding to the alleged debt in the 30-day window which you do not legally have the right to report anything on my consumer profile. These are both FCRA 623 ( a ) violations and FDCPA Violations if you continue to do so.
Product: Debt collection

Have repeated asked creditor for verification of debt under to 15 USC 1292g Sec. 809 ( b ) of the FDCPA, asking for : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any judgements obtained by any creditor regarding this account. 
Name and address of the alleged creditor. 
Name on file of alleged debtor. 
Alleged account number Address on file for alleged debtor. 
Amount of this alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Creditor has repeated not provided only providing alleged amount. 

I have sent creditor cease and desist demand for phone calls to myself and friends and relatives. Continuing to have harassing phone calls to my friends and relatives.
Product: Debt collection

Enhanced Recovery Company has contacted me over XXXX debts that are not mine. On both occasions, I called and informed them of this issue and they said they " would make a note and take care of it. '' XXXX of the debts has now been reported as delinquent and is on credit report, The process for removing this debt from my record is exhausting and slow and places the burden of proof on the individual and not on the person assuming the debt. ERC has acknowledged that this debt is only linked to me by name and not through a social security number. Despite my contacting them and rejecting ownership of this debt and they having no proof that the debt was in fact mine, they still reported it to the credit bureaus and have affected my ability to acquire a mortgage in the short term. This is a shady business practice. Debts whose ownership is not confirmed and verified via a SS number or other official means should not be allowed to be reported.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to not having proper customer service and unreasonable practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take measures to prevent and resolve fraud issues leaving my account unprotected. The dispute process wasn't the best and didn't resolve specific requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Because of these actions it left a great amount of inconvenience and financial loss. I'm asking for the appropriate solution for these acts of violations.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are violating my rights. 


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 an 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 item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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

The company forced me to close my credit line otherwise I had to pay {$81.00} to keep the account open. This negatively impacted my credit. The only way to keep my credit line open was to pay an {$81.00} fee
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to follow up on my dispute filed on XX/XX/year>, under CFPB Case Number XXXX, regarding inaccuracies on my credit report. Despite my initial complaint, the following accounts remain unresolved and continue to negatively affect my credit standing. I request further action to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute National Credit Adjusters ( Account Number : XXXX ) This account does not belong to me. 
XXXX XXXX XXXX has failed to provide the original contract bearing my wet signature or valid identification, as required under the FCRA. 
Furthermore, this account has been removed from my credit report multiple times but keeps reappearing, constituting an ongoing violation of my credit reporting rights. 
Violations : 1681i Reinvestigation of Disputed Information : Repeatedly allowing a previously removed, unverifiable account to reappear violates this provision. 
1681e ( b ) Accuracy of Information : The reappearance of this unverifiable account demonstrates noncompliance with the requirement to ensure maximum possible accuracy. 

XXXX XXXX XXXX XXXX ( Account Numbers : XXXX and XXXX ) This creditor is listed twice on my credit report under XXXX different account numbers. 
The duplication is misleading and constitutes inaccurate reporting. 
Additionally, XXXX XXXX XXXX  has failed to provide the original contract or supporting documentation to substantiate these entries. 
Violations : 1681e ( b ) Accuracy of Information : Listing the same creditor twice under different account numbers violates the requirement to ensure maximum possible accuracy in reporting.

1681i Reinvestigation of Disputed Information : No adequate reinvestigation has been conducted to verify the legitimacy of these accounts.

Requested Resolution I request the following actions : Immediate removal of the XXXX XXXX XXXX account from my credit report. 
Removal of the XXXX XXXX Bank SS accounts to accurately reflect my financial obligations. 
A thorough reinvestigation of all disputed items to ensure compliance with the FCRA. 
Written confirmation of the steps taken to resolve these matters and prevent future inaccuracies. 
Supporting Documentation I have enclosed the following to support my claims : A copy of my original dispute filed on XX/XX/year>. 
The response from the CFPB or relevant entities ( if applicable ). 
A copy of my credit report highlighting the disputed accounts. 
Any additional supporting evidence. 
These inaccuracies continue to cause harm to my financial standing and emotional well-being. I urge the CFPB to address these matters promptly and ensure that my rights under the FCRA are upheld. If these issues are not resolved, I will explore further legal remedies to protect my credit and consumer rights. 

Thank you for your attention to this matter. If additional information is required, please contact me at XXXX or XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

Capital One 360 checking account balance always incorrect resulting in account being overdrawn.
Product: Credit reporting or other personal consumer reports

I am in the process of trying to find a rental as my lease ends on Monday, XX/XX/XXXX. The issue though is that I am a victim of being wrongfully evicted. I have been dealing with this consistently now since XX/XX/XXXX with absolutely no resolve. As a result, it has made it nearly impossible for me to find anyone to rent to me. I ended up finding a potential landlord a couple days ago. I can only rent from private landlords. I explained everything. Was very transparent. Provided proof of documents, etc. as I was not at fault. I still had to fill out a background tenant screening report through XXXX. Its a free management program to help keep landlords organized basically. It also affords him the ability to run credit, sign leases, accept rent and all that through the app. I applied last night. Went to check this morning to see if there were any changes to my application. In doing so I realized that I had the option to view the credit report that was pulled. It is through TransUnion. I monitor my credit like a hawk on XXXX so Im aware of my score and everything. I never thought about cross referencing to double check for inaccuracies. With that being said, my XXXX XXXX on TransUnion is XXXX points less than what it is on both XXXX and XXXX. It claims that I have poor/bad credit which I do not. It is considered fair and is 50points from being good. Furthermore, they have allowed the first property management company/landlord to take it upon themselves to furnish a money judgment on the first eviction I faced. They have been furnishing this since XX/XX/XXXX. They claim they I owe {$6300.00} when there is a {$0.00} next to where it says judgement on the court documents. I have disputed this numerous times with XXXX with no resolve as they claim it is verified. When all they do is send the letter that they typed up stating that I owe that balance which does not prove anything. I have submitted proof of the court documents. Which is literally the only option because i do not owe them anything. So now the landlord is stalling and being hesitant to approve my application and afford me the ability to rent after reviewing this and whatever else was provided in regards to my tenancies. I have never reviewed my tenant screening report so I have no clue what has been furnished on that end. I can only imagine as people submit whatever they want and dont have to show proof that it actually belongs to me. These evictions have honestly ruined my life and now I have to deal with my credit coming back as bad. Its just the last thing I need to deal with. I have like 5 days left until I have to move. This landlord is my only hope as there are literally no private landlords where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 U.S.C 1681. 

( XXXX XXXXXXXX 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 ) 15 U.S.C 1681 section 602 A. States I have a 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 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 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 related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Credit Karma repeatedly sent me emails that my score went up and that I qualified for several credit cards and secure cards to which I would apply to be denied and then find out that score I was provided with was not matching the score from 3 credit bureaus and XXXX, now I took hits to my credit applying under false pretense.
Product: Credit card

I have a late payment on my credit report from Bloomingdales for XXXX 2015, that should not be there. I made a payment on my Bloomingdales credit card for that month and it was n't processed. There website is very confusing when it comes to making payments and I 'm not sure why it was n't processed. I have noticed when I make payments online via their website it can sometimes take up to a week before it will show up. Also, it is almost impossible to find payment history on their website. I contacted Bloomingdales customer service on the evening of XXXX/XXXX/2015 to request help in fixing this. The representative, as well as the supervisor I spoke with were extremely rude and offered me no help. I do not feel as if I should have a late payment showing on my credit file because their website is confusing and did n't process my payment.
Product: Credit card or prepaid card

On XXXX XX/XX/2020 my account was sold to a collection agency this would be my second account they sold to a collection agency. My concern is during an medical emergency they agreed to place both accounts into a their Hardship Program with set payments after paying over {$3000.00} on each account a total of {$6000.00}. Unfortunately the Hardship Account Manager did not explain to me the program was aging my account from the first 30 day delinquency! I believe a Hardship Program should start on the day you signed the new terms and agreement as the reset date. Every month I would call in my payment to an account manager and never was I told that my accounts were approaching 120 day Charge Off! This is very poor business practice especially during a Pandemic to just Close Accounts and sell them pennies on the dollar and create additional stress with a very ill wife dealing with a collection company! The collection companies are predatory on their collection tactics to include providing Validation of Debt to include properly leaving an appropriate voice message but rather hang up or playing the I Got You Game! As a 40 year XXXX employee paying my bills and was never going anywhere! Shame to treat a good paying customer this way during a hardship situation. Reminder please check your records I paid over XXXX and paid off the accounts in the past! Made a lot of money off this card holder for sure!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX XXXX. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt collections belong to me legally.