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

In the last ten days my credit report with Discover Student Loans has read three different things. The last one is the most damaging.I believe this is in retaliation for me disputing the credit report and asking them to validate the information. They are behaving in a malicious manner. I believe Discover Student Loans is trying to keep me from asking information that is within my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX My name is XXXX XXXX loan number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OH XXXX I was unfortunately affected by XXXX and was forced to skip my mortgage payments during the pandemic. I have been XXXX and am unable to work during the pandemic and suffered from many long-haul XXXX  symptoms. Once my forbearance period ended, I was told that I needed to make XXXX trial payments in XXXX, XXXX, and XXXX of XXXX. I even made XXXX payment on XXXX of XXXX. 

I made these XXXX payments on time and was given a new loan modification. The following is a direct quote from Cares Act passed by the US Congress stating that one 's account is supposed to be reported as " current '' to the credit bureaus. 

" If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' https : //www.consumerfinance.gov/about-us/blog/protecting-your-credit-during-coronavirus-pandemic/ XXXX is breaking the law and reporting me as more than 120 days past due, despite the fact that I have made 4 payments in a row as they have requested. 
My first request is that they immediately fix this error and report me to the three credit bureaus as the current which is in accordance with US law. 

My second request is that XXXX lowers my monthly payment. Before the pandemic, I was paying {$2000.00} per month and had 23 years left on my mortgage. 

The new terms that I was sent are requesting that I now pay {$2100.00} for 40 years. 
XXXX has raised my monthly payment and added 17 years to my previous payment. 

17 years of an extra {$2100.00} per month will result in {$420000.00} of money owed. 
This loan modification was meant to help consumers, not hurt them. 

In such a case when my monthly mortgage amount increases and the years increase as well. I need to have a lower fixed interest to make this situation surmountable. I have a family of XXXX and do not want to lose my home. 

Please do all that you can to help my situation. 

XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, XXXX @ XXXX XXXX I received a call from XXXX ( Northeast Collection Bureau ) asking to collect a medical debt ( {$700.00} ) for my daughter who 's a minor. They said she visited the XXXX XXXX on XXXX XXXX, XXXX. They had my full name and the last XXXX digits of my social security. They could n't provide me with an account no., physician name and the reason for the visit to the hospital. Since they refused to give me any information, I refuse to give them any information of myself. I hung up my phone and called my child 's insurance company and I was told that there is no outstanding bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX  XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have received calls from many different agencies regarding a debt to JCPenny, and a previous complaint was filed regarding this back in XXXX ( XXXX-XXXX, XXXX-XXXX ). Family members and I began receiving calls again last week, including one on  XX/XX/XXXX from XXXX that stated there were two pending charges. When I called back, I was told this was from the JCPenny account that was already paid, and when I told them it had already been paid, and I have a letter stating such, they said that if I was refusing to pay them, it would go to court. I told them I desired to take this to court, so we could get it dismissed for good.
Product: Credit reporting or other personal consumer reports

I request you to remove these inquiries. I have no knowledge of them, and the company did this without my approval.
Product: Credit reporting or other personal consumer reports

I previously filed for some accounts to be disputed. I am requesting the disputes for the accounts listed below be halted immediately as well as I am requesting that the remarks be removed on these accounts as well. - XXXX  # XXXX HALT PROCESS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the XXXX  regarding my Capital One/Walmart account because Capital One was failing to accurately report the correct balance, so in response Capital One chose to delete the entire account tradeline from XXXX  on XX/XX/2020. I called Capital One and on XX/XX/2020 and spoke to a supervisor XXXX and he said that I would need to contact the XXXX  to make the correction when Capital One is the party that requested the deletion. My account has been paid in full and I have been waiting for my credit report to reflect that and was wondering why my credit report didnt look right. It would be really nice if Capital One went the extra mile for the consumer especially during this national pandemic and these very trying times when consumers are facing difficult hardships. The credit bureaus only report what the creditors instruct them to report as allowed by law and Capital One should be more cooperative and provide more assistance to their consumers in time of need. 

Please investigate this matter as soon as possible as time is of the very essence as this is having a negative impact on my overall credit score.  I want and need this tradeline added back to my credit profile effective immediately and Capital One will not cooperate with me as usual. I am attaching a copy of the dispute report from XXXX  to show the before and after to show that they in fact had my tradeline deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. M & T BANK XXXX Open Date XX/XX/2013 Balance : {$0.00}. 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, credit repair services, or other personal consumer reports

I have tried to dispute a past due amount and a incorrect balance showing on my Experian Report with XXXX account # XXXX regarding several times with no reponse.I have also requested from Experian over 12 times about Method of Verification under FCRA SECTION 611, which states a copy of any documents bearing my signature, to show that i have a legally binding contractual obligation to pay them the exact amount being claimed. 

I have sent several letters to XXXX XXXX XXXX, asking XXXX to provide validation regarding all account history data with my signature on it. NO RESPONSE
Product: Credit reporting

I have no knowledge of XXXX accounts that have appeared on my credit report. I have filed disputes/investigations with TransUnion and XXXX. I believe I am a victim of identity theft. One of the accounts has an open date that would mean I was XXXX years old at the time. I most definitely never opened an account at XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Ss # XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by Capital One Bank ( USA ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX I contacted Capital One Bank ( USA ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Credit reporting or other personal consumer reports

You are required by FCRA 605B to delete any wrongly reported accounts from my credit report. Please check the documents, as some accounts have incorrect reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every-time I tried contacting trans-union can't login into my account it says can't find my information. I can't get in touch with customer service, I got my credit report XXXX is reporting interest on student loanTo ensure a smooth transition to repayment and prevent unnecessary defaults, the XXXX XXXX will extend the pause a final time through XX/XX/2022, with payments resuming in January 2023.9 Interest Yet Transunion has XXXX reporting interest in my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with XXXX XXXX. I have included my Identity theft report as requested by Equifax on XX/XX/22.
Product: Mortgage

At the beginning of this year, 2022, I applied for an received a home loan and intentionally avoided the XXXX  of the industry such as XXXX, XXXX, and Wells Fargo as I do not work with companies that XXXX  their customers and have unethical business practices. I have had prior loans with both of those companies and as a consumer with free choice, I have avoided those companies. 

Come to find out my loan was sold to Wells Fargo and I contacted them and was told that I have no choice. I DO NOT want Wells Fargo servicing my loan or have any dealing with them in any way shape or form - they can but refuse to submit my loan for reservicing by another provider. As I am consumer with good credit and payment history, I am being discriminated against by their refusal to let go of my loan. There is so much red tape in Florida for anyone having their loan with Wells Fargo and I want no part of that company, which should be my right as a consumer in a free country.
Product: Credit card or prepaid card

I paid my card off to a XXXX balance in XX/XX/2019. I made a new purchase in the amount of {$58.00} on XX/XX/2019. I called and informed Customer Service that I had been sick and could not make the payment as I had been out of work. I was informed that my balance was too low for hardship and I did not have Insurance on the account. Since then I have made 3 payments totaling {$110.00}. I looked at my account and realized that I had more penalties on the account that is 4 times the charges in the amount of {$240.00}. I called back for assistance, I asked the first representative to transfer me directly to a supervisor. She told me that she understood and that per policy she had to make an attempt to resolve the account. She removed one fee of {$35.00} and transferred me. The supervisor ( XXXX ) that I spoke with stated that he could not remove any additional penalties or negative credit marks off my report since the previous agent removed one. I informed him that the previous rep credited {$35.00} as she stated that it was policy and she transferred me so that he could better assist me. 

I asked to speak with someone above him with more authority. He stated that there was no one else and anyone above him would not remove the fees since the first rep removed one. He refused to reverse the first credit to apply more. 

I feel that they know this upfront and applied a credit to avoid adding more. I know that with payments that I have paid the fees could have been taken into consideration as I called before it was this far behind for assistance and was refused, I was not given an option to cure the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent accounts are being reported to my credit reports : XXXX XXXX Bank XXXX XXXX XXXX Acct # XXXX - amount {$300.00}. 
XXXX XXXX - Acct # XXXX -Amount {$540.00}. 
XXXX XXXX XXXX XXXX XXXX # XXXX Amount {$80.00}. 

I am a victim of identity theft and I am not responsible for these above-stated accounts.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXXXXXX Balance {$2000.00} XXXX  ( Original creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$500.00} XXXX XXXX XXXX ( Original creditor : AT T ) XXXX Balance {$150.00} XXXX XXXX XXXX ( Original creditor : CREDIT XXXX BANK N.A. ) XXXX Balance {$690.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX Balance {$690.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX {$3000.00}
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 USC 1681. Experian, XXXX, and XXXX is reporting inaccurate info. My Name is XXXX XXXX. XXXX : XX/XX/1993 My correct address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. My employer is XXXXXXXX XXXX
Product: Credit reporting

By law the the credit reporting agecies are to removed items on credit report past 7 sevens years
Product: Credit card

Dear CFPB, I am writing to formally file a complaint against Comenity Bank in relation to their management of a XXXX XX/XX/XXXX account I originally opened on XX/XX/year>2021, through XXXXXX/XX/XXXX Comenity Bank assumed responsibility for the account and has since engaged in conduct I believe violates several provisions of federal law. 

Key Issues : 1. Failure to Provide Original Documentation : Comenity Bank has refused to provide original invoices or statements related to the amounts purchased on the account, despite multiple requests. This failure violates my rights under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, which requires creditors to provide documentation to substantiate charges on a disputed account.

2. Improper Fees on a Closed Account : The account in question has been closed for at least a year, yet Comenity Bank continues to assess late fees. This may constitute a violation of the Truth in Lending Act ( TILA ), 15 U.S.C. 1637 ( b ), which requires accurate and transparent billing practices. Continuing to charge late fees on a closed account appears fraudulent and is harmful to my financial standing.

3. Refusal to Negotiate a Compromise Payment : I have attempted in good faith to negotiate an all-inclusive compromised payment to resolve this matter and erase outstanding debts, yet Comenity Bank has refused to cooperate. Their lack of responsiveness undermines fair debt collection practices as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., particularly 1692d, which prohibits unfair or abusive practices in debt collection.

4. Failure to Respond to Consumer Requests in a Timely Manner : Comenity Bank has limited its customer service communication to a po box , with responses taking up to 90 days. This violates the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, which requires financial institutions to investigate and resolve disputes within 45 days.

Thank you for your attention to this matter. I look forward to your guidance in holding Comenity Bank accountable for their obligations under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report dated XX/XX/2023 from the three major credit bureaus shows that XXXX consumer is reporting payment history as well as a charge off with a {$13000.00} balance attached.
Product: Credit card

Fraudulent charges were made on my Home Depot credit card account on ( XXXX ) XXXX at XXXX XXXX, NY for XXXX, ( XXXX ) XXXX at XXXX, NY for XXXX, ( XXXX ) XXXX at XXXX, NY for XXXX, ( XXXX ) XXXX at XXXX, NY for XXXX, ( XXXX ) XXXX at XXXX, NY for XXXX, and ( XXXX ) XXXX at XXXX, NY for XXXX. The fraudulent charges total XXXX. I disputed these charges with Home Depot and advised that I have never shopped at their XXXX XXXX or XXXX, NY locations, and most importantly I was in XXXX on XXXX, XXXX and XXXX. Notwithstanding my dispute, Home Depot has determined that I am responsible for these charges and continues to send me bills and threats to report my account to the credit bureaus. I am over XXXX XXXX XXXX and in poor health having recently had major XXXX XXXX. This situation is extremely stressful and exacerbating my health issues. I have always paid my bills through my long life and dont understand why Home Depot is treating me this way. I would greatly appreciate any assistance from the CFPB.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I provided the credit bureaus with an FTC Identity Theft Report ( # 184369291 ), which legally requires them to block and remove these fraudulent accounts from my credit file.

Despite submitting my dispute with supporting documents, the credit bureau has failed to properly investigate and remove these fraudulent accounts within the 30-day period mandated by 15 U.S.C. 1681i. These fraudulent accounts are negatively affecting my credit score and financial well-being.

The following accounts were fraudulently opened and reported under my name : XXXX  XXXX XXXX Account # XXXX Amount : {$1100.00} XXXX XXXX XXXX Account # XXXX Amount : {$490.00} XXXX XXXX XXXX Account # XXXX Amount : {$1000.00} XXXX  XXXX XXXX Account # XXXX Amount : {$22.00} XXXX XXXX  Account # XXXX Amount : {$2700.00} The credit bureaus are violating the FCRA ( 15 U.S.C. 1681c-2, 1681i ( a ) ( 5 ) ( D ), and 1681s-2 ( a ) ( 6 ) ), which require them to : Block and delete fraudulent information upon receiving my identity theft report ( 15 U.S.C. 1681c-2 ) Notify other credit bureaus of the deletions to prevent reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) ) Prevent creditors from continuing to report fraudulent accounts ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) I am requesting an immediate correction of my credit report and the removal of these fraudulent accounts. I demand that the credit bureau comply with the FCRA and delete this information from my file immediately.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to delete some of the data on my credit report, but there are still some accounts that need to be removed. The Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call on XXXX at 6:40 am I advised them it was before 8 am the caller got rude and hung up on me. They called again today at 7:30 I asked when the payday loan took place and also advised they were breaking the fcc rules. he would not tell me the name of the company and hung up on me. I called back and spoke to XXXX. I asked the name of the company he said it very quickly. I asked him to repeat it and he said I already told you and wanted to know the purpose of my call. He then proceeded to hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
Product: Mortgage

During the refinance process in switching from Wells Fargo to XXXX the lien release was not properly submitted or recorded by XXXX County, PA. We are just now finding out that the satisfaction from Wells Fargo for their mortgage in the amount of {$160000.00} consummated in XX/XX/2004 ( and that is the satisfaction that is missing from the Pennsylvania database ) was never completed. I am trying to re-finance my house through XXXX and am unable to do so as their is a lien on the property. I have never received any sort of documentation over the past 13 years regarding this loan and as anyone would, I assumed that Wells Fargo completed all of the required documents. 
Additionally, I am a little surprised that the the XX/XX/2004 mortgage was recorded ( generally the lien placement would be rejected based on there already being a recorded lien on the property. That said, the proceeds from the XXXX company transaction must have arrived to Wells Fargo, the lien was just not properly released ( otherwise you would have heard about this way before now ).