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

Its been over thirty days, and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete this alleged late payment on my credit report. Under federal law they had thirty days to complete the investigation, and by failing to do so the item must be deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ON XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute request to remove co-signed account due to 1099-C Cancellation of debt Dear Experian I am writing to formally dispute the inclusion of the following account on my credit report. I co-signed the account listed below, but the original account holder has received a 1099-C ( cancellation of debt ), which signifies that the debt has been forgiven and is no longer owed.

Account information account numberXXXX original creditor : XXXX XXXX Date opened : XX/XX/2020 As a Co-signer, my responsibility for this account was contingent on the original account holder fulfilling the terms of the agreement. Given the fact that the debt has been canceled by the creditor ( evidenced by the 1099-C ), I respectfully request that the account be removed from my credit report. 
Please investigate this matter and, upon confirmation of the cancellation of the debt, delete this account from my credit report.

I have attached a copy of the 1099-C form for your reference. If you require any additional documentation to process this dispute, please let me know. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely XXXX XXXX
Product: Mortgage

For the past 8-12 months I have been trying to get my account audited by XXXX XXXX  and prior to receiving your information. The previous 2 years. I just continue to get the run around and no one returns my calls or emails. My account has been moved from multiple servicing companies. This is where I think most of the problems stem from. XXXX, XXXX, XXXX etc. 

My main concerns started after I modified under the " HAMP '' program. My payments were not being applied to the principal but only to the interest I found out and the servicer of my mortgage at that time stated I defaulted... which is not true and that I would no longer qualify for the deferred loan amount of $ XXXX. One of the main reason I modified under this program was after the term I would have that deferred loan amount free and clear. Forgiven. 

Thes practice of the many servicing company was and still is criminal and unjustified and I will fight this until my account audited and corrected. Many of their servicing companies have representatives that barley speak English and clearly don't understand your mortgage concerns. I finally was able to get a very helpful representative and she was the one who told me that my payment were only being applied to the interest and not the principle. She immediately changed that on my account but it was already too late, and this is why I have taken this matter to Bureau of Consumer Protection and Consumer Financial Board and will continue to reach out to anyone at Deutsche Bank who will listen and review my account. 

I have written emails, make several calls and tempted to go to the branch in XXXX XXXX, Ca to get answers from Deutsche Bank so this matter can be resolved in a timely manner but Absolutely No Response. Yes, I have had financial struggles but during this period of thee HAMP program my payments were made and the terms were met. I would Like for Duetsch to reach out and resolve the dispute for the {$180.00} deferred loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax using regular mail as they have a debt assigned to me wrongly on my credit report. It has been 30 days and I heard nothing from them. I tried contacting them, but they were not able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act 1. XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX Original creditor XXXXXXXX XXXX XXXX 15 U.S.C Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING to section atc ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a collection letter in approximately XX/XX/2019 from Radius Global Solutions LLC, XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX, attempting to collect an amount owed totaling almost {$750.00} to XXXX XXXX ( my local internet provider ). I called them immediately and was verbally XXXX, and threatened with legal action if I did not pay immediately and over the phone. I told them I had already been in contact with XXXX XXXX   and not only is my account number incorrect on the collection notice, but I do not have any past due balance with XXXX XXXX. The rep repeatedly insisted I give my address and ss number, which I refused. I demanded a validation letter, and the rep hung up on me. This is fraudulent and a scam and I wish to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting

I am a victim of identity theft and have a unauthorized and fraudulent account from the XXXX. I never applied for or attended the XXXX. The following account is unauthorized and fraudulent, and I want the account deleted from my Equifax credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted these credit bureaus as it relates to my credit profile. XXXX, Experian, and XXXX all have inconsistent information on my profiles from Names, Addresses, Employment, Phone numbers and even collections on my report. I have sent in my correct name, address as should appear on my report and asked that all others unknown be removed, this has yet to be done. I also disputed some unknown collections asking for an investigation, which was done in a matter of days and there was no resolution. I did not give them permission to report anything on my credit and have written and called several times asking them to remove this invalidated collections, which to date they have not.
Product: Credit card

Applied for XXXX XXXX credit card through XXXX 's website, A hard inquiry was done on my credit by JPMCB. I did not instantly qualify so they said my application was pending, That was XXXX. The date this was written is XXXX and I have yet to receive any information on the status of the application. XXXX does not have a place to view this on their site and so refers me to chase and chase tells me there are no credit applications under my social. A hard credit check was done and I was neither approved nor denied. My application seems to be in limbo.
Product: Credit reporting or other personal consumer reports

I was surprised to find some reporting errors on my credit report. The way certain accounts are listed isnt right, and its bringing down my score.
Product: Credit card or prepaid card

XXXX XXXX - XXXX XXXX sold my debt to XXXX XXXX but will not drop the debt from my credit report. Now the debt is upheld by both companies. I have disputed and call XXXX XXXX and they can not explain why it's still on my credit report because it is sold debt.
Product: Checking or savings account

XXXX 2022. {$39.00} charged several times for items they did not pay for. I asked for a waiver they said no and would not pay item. But still charged {$39.00} several times
Product: Debt collection

I HAVE A COLLECTION FROM RESURGENT/XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX. I DO NOT OWE THIS COMPANY ANY MONEY, I ALREADY FILED A POLICE REPORT AND MAILED IT TO XXXX  XXXX   AND XXXX. I REQUEST THAT THIS ITEM BE REMOVED.
Product: Credit reporting or other personal consumer reports

I have been having trouble with Transunion for several years now with them not keeping things up to date on my report, reporting incorrect information, not providing my free credit report via XXXX, taking months to complete disputes and then not correcting the information and tonight I was told that they are taking too many phone numbers or addresses on your report and using it against you as credit criteria. Phone numbers and addresses have nothing to do with my credit especially since I have rented most my life and lived in several states and most the information they have on me like that goes back 30 years ago. Transunion is abusing their power and being given way too much control over peoples lives when they are not keeping up on the accuracy of what they are reporting. I have disputed an item multiple times that they are reporting as an eviction, even though I have sent them documentation from the company that originally reported it stating they filed the eviction in error and the court is showing it as dismissed. It is wrong what they are doing and they need to be shutdownI have no problems with XXXX and XXXX at allonly on Transunions Credit and Rental Reports. Please help us and shut them down.
Product: Mortgage

Was headed down the road of not being able to afford the house, so I contacted the mortgage company for payment assistance. The rep told me in order to help me I need to not make 3 months of payments then call him back. Otherwise, he was not going to help me. After 3 months, everything fell apart, tried to sell house. Had XXXX offers on the house and BoA rejected all offers and finally on the XXXX offer, wanted to debate the buyer for {$5000.00}. The rep " XXXX '' was stalking me and threaten to come to the house and make me give him the mortgage and call me day and night until a man answered by calls ... 
At the end of one year, I gave the house back to BoA. 3 months later BofA sent me a letter stating the loan was forgiven (??? ), but still gave me a negative mark on credit report. Why?
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

my account balance has not been updated to reflect my current balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted all three credit bureaus in regards to false and fraudulent information being reported on my credit reports. 

It is XX/XX/2020 and I have yet to receive a response or see updated information.
Product: Credit reporting or other personal consumer reports

I just reviewed the copy of my credit reports and It seems that there are inaccurate and unauthorized inquiries reporting. 

Please see the attached XXXX  file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results
Product: Debt collection

Penn Credit Cor phone numberXXXX.Continues two Robotic call me regarding a debt I have nothing to do with or Know about.They call all different times of Day.I 'm physically XXXX with mobility problems.THANK-YOU for helping these annoying calls.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and part of the XXXX Equifax breach and the XXXX data breach. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. The collections accounts listed on my credit reports are inaccurate, fraudulent, and unauthorized. Whatever agreements I had with the original creditors, were with them. I have no obligations or contracts with the collections listed on my credit report, so I need them removed IMMEDIATELY!! I also need all late payments removed, as I have been making all payments on all accounts, ON TIME. I experienced some hardship over the past year with loss of a job and inflation, so I also need those removed.
Product: Credit card or prepaid card

Received letter in mail from Bank of America that one of my credit cards with them was closed. Three reasons were listed : current or past delinquency, payment was too low, sufficient utilization of available credit. Called to discuss, verified had not been past due or made below minimum required payments. So asked what I could do and was told nothing. Asked if this card was closed for this reason why my other Bank of America card was not also closed and a reason could not be provided. Have had this card since XX/XX/2005 without issues so feel this account was unfairly closed by creditor.
Product: Money transfer, virtual currency, or money service

i am filling 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 did 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: Mortgage

XXXX XXXX XXXX XXXX  is my lender ; I fell into default on or about XX/XX/2018, on my first mortgage.and submitted a request for a loan modification on XX/XX/2018. I contacted XXXX XXXX on or about XX/XX/XXXX to follow up on the application and supporting documents that I had submitted. 
On that date, I was informed by XXXX XXXX that the mortgage servicing had been transferred to Fay Servicing on XX/XX/2018 (  one month prior ) while the mortgage was already in default. When I contacted Fay Servicing about this, I was informed by Fay that they would not review my file for loan modification consideration as the foreclosure date was too close. My allegations are : 1. I was not given written notice by either XXXX XXXX XXXX XXXX or Fay Servicing when my loan servicing was transferred ; had I been expressly informed ; I would have submitted my modification request to Fay Servicing. 
2. My loan went into default in XX/XX/2018 therefore, loan servicing was transferred while the loan was in default. 

The amount of my default is {$14000.00}
Product: Credit reporting or other personal consumer reports

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



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 XXXXXXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC XXXX Accounts- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX reporting twice XXXX XXXX XXXX. XXXX, XXXX
Product: Checking or savings account

We aren't customer of wells fargo but one of our office check was cashed by an unknown person in wells fargo bank without proper signature or ID or endorsement behind the check. 
we tried several calls and branch visit to file a claim and open a fraud case regarding the person who cash our check but Wells Fargo refused to even listen to us because we aren't their customer and it's not a large sum of money. We are a small business that our livelihood depends on these checks and if we can't figure it out who did cash the check and return the money than we dont survived. I really appreciate any help. 
The check was issued to XXXX XXXX XXXX and we are a dental office in XXXX XXXX, XXXX  and our checked get cashed by XXXX. 
This check was cashed by an account number in XXXX XXXX.
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. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Equifax Only removed XXXX out of XXXX XXXX XXXX Hard Inquiries where they should of removed XXXX. The XXXX one was from XX/XX/XXXX and should of been removed with the others. 
The XXXX XXXX was removed but the XXXX was not removed.
Product: Debt collection

Keeps calling and sending letters repeatedly after advising that its not mine.
Product: Student loan

I graduated in XX/XX/XXXX. After my graduation, I was given the 6 months grace period, but I was apart of an XXXX program, so my loans were put into forbearance. Because of this I have used up all of my forbearance time. I was out of work from XX/XX/XXXX to XX/XX/XXXX. They were not willing to work with me then. I had no choice but to put my loans back in forbearance, month after month. My monthly obligation to XXXX/Navient is about {$1400.00}. I currently receive $ XXXX monthly after taxes from my job. XXXX/Navient has not been willing to work with me. They have been more concerned about getting the full amount and will not accept a portion that I can afford. I do not have a problem with paying XXXX/Navient. What I do have a problem with is them not willing to work with me and not being understanding of my situation.
Product: Student loan

I submitted my appeal on XX/XX/year>, providing all required information, yet I was recently informed of my denial without clear justification or further instructions on how to proceed. This is particularly concerning as I have been required to appeal every six months and have never encountered issues before. 

Key Concerns & Request for Reconsideration : Lack of Response from Case Manager Despite multiple attempts to contact my assigned case manager via phone and email, I have received no response. 

Documentation Already Provided I have submitted all requested documents. 

Urgency Due to Enrollment Deadline My doctoral program is set to begin in just a few days, and without a resolution, I am at risk of being unable to continue my education. 
I am requesting an immediate review of my appeal and a direct response from a Federal Student Aid representative who can clarify the specific reasons for the denial and guide me on the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted previously my claim but accidentally put name of friend I was on the phone with while I was typing! Putting correct name on document and its updated! Over 30 days ( 45 actually ) from the day I sent to the day I submitted to the CFPB!
Product: Money transfer, virtual currency, or money service

XXXX XXXX owner who opened a new account with square after applying online. Subsequently, I was sent a Square card with a Mastercard logo. Once the card was received and activated I immediately started performing transactions using the card and sending my current customer 's invoices. However, once my customers paid those invoices via Square and the monies went into my account Square placed the funds on hold. I very upset and confused because subsequent communication from Square asked me to send 3 months of bank statements and asked specific questions regarding my marketing material. I just opened a business account with XXXX XXXX but provided my personal bank statements where my customers would XXXX me for my services and products. Lastly, after three days I was told that my customers would have to use alternative payment methods so I basically just provided products and services for free to my clients. I am beyond disappointed and upset. I had to contact some of my clients to ask if they could pay for the products/services again using a different payment method. It was unprofessional and unheard of. Why would my account be approved and the card sent out to go through another round of arbitrary verification rules after money is being sent to the XXXX XXXX? The legitimacy of my business should have been challenged at the application stage. I have been in business for over 10 years and have never experienced a situation like the one Square has presented!