23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

the account is : MIDLAND CREDIT MANAGEMEN the original creditor XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account balance is incorrect, please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Company XXXX Account # XXXX My Account have with them currently. 
XXXX XXXX XXXX XXXX XXXX {$220.00} XX/XX/2022 XX/XX/2022 Im still Current Member with XXXX, Internet and Phone Line.XXXX stated it should already be removed off of my account since I had already paid it since XX/XX/2022. So, I called and then try to dispute it with the credit companies nothing was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint XXXX Explaining that this account did not belong to me & was a fraud account. I also explained that I was personally sending this dispute and I received a computer generated response. I am asking again to please delete this account for U S DEPT OF ED/XXXX and review all the identity theft information that I previously sent you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items with the Credit Bureaus, and more specifically Trans Union on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Product: Credit card

I had previously filed a CFPB complaint ( XXXX ) since AMEX refused to waive a late fee because of an honest misunderstanding. This is a new card so I was under the wrong impression that Autopay was set up. But when I realized this issue, I immediately paid the full statement balance just 1 day late. AMEX responded to my complaint with some fine print in the card member 's agreement even though it is standard practice to waive the late fee for a genuine case like mine. 

And now comes the cherry on top - a week after they charged the late fee, they also charged me interest on the statement balance for the entire month. This is the same statement balance that I had paid in full a day after it was due. I contacted them again and they again refused to accommodate my request to waive the interest and shared some fine print rationale again. 

In summary, a new cardholder ( myself ) had set up bank information but autopay was not activated. A day after the first statement balance was due, I realized the issue and immediately activated autopay. But AMEX charged me a late fee and also the entire month 's interest. And their agents couldn't help waive it and neither did the first CFPB complaint. First of all, this is extremely poor customer service. But then on top of that, for a small late fee and interest amount, you are spending agent resources only to share some fine print with customers who complain to you. And also completely throwing away a customer relationship that could have been profitable for the business. 

I genuinely hope that someone in AMEX is taking this feedback to make some serious improvements to how they run their shop.
Product: Debt collection

Zion holding is attempting to collect a debt for XXXX. The debt was opened XX/XX/year>. The company is XXXX. The company has never reached out to me nor sent any letters about this debt. Ive disputed this debt numerous times. If the company is going to add a debt to my credit report. The debt needs to be validated. The company has not done anything to address this debt. According to the FCRA Section 605B. It is illegal to report information on my credit without my permission please remove this item from my credit report.
Product: Credit reporting or other personal consumer reports

.I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Product: Debt or credit management

I disputed things off my credit reports they did not remove them so now I want to file civil liability for willing compliance 15 US CODE 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bought an oven from Best Buy in XXXX of 2020. Within a week, began getting calls about fraud on the account. After going back and forth for months simply requesting a statement from their credit provider CitiBank, just received the statement with in the last week. Credit is now paid in full. Unbelievable that Citibank would ruin my credit XXXX to XXXX, over this dispute.
Product: Debt collection

I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming a XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender XXXX XXXX to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX College, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX COLLEGE due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness XXXX practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.
Product: Mortgage

The complaint relates to unsavory practices on behalf of the mortgage lender. The applicant only has social security benefits as declared income and it alone will not suffice. The processors have recommended that I make a " distribution '' for a period of 3 months only of {$2900.00} from my IRA to satisfy Federal Agencies Requirements. It appears fraudulent on it 's face and deceptive in its action. I can not morally do this.
A processor, in order to secure a document, asked that I log into my Bank account using her computer so she could use the URL to secure a deposit of mine made to my bank.
I have never been told that I have a mortgage commitment without contingencies, but one day ago I received an attorneys missive telling me about a closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements.
Product: Mortgage

I have been trying to get this corrected since XX/XX/XXXX. I initially called to inform that I was moving insurance companies and to request the check not to be sent to the current company- that was confirmed. I called again on XX/XX/XXXX to inform of my new home insurance company ; the MSR advised there was no insurance binder she called and was provided and email address. She said she would get information and also update the binder on my QL, which I did. She then told me the other check had not been cancelled and would submit a request and it would take 2-3 business days for me to see the new insurance information. I called on XX/XX/XXXX and spoke with a MSR who advised the information was not updated and that nothing was received. When I advised I had uploaded the documentation she advised I was told incorrect information and it would be a different site ; while the girl was pretty annoyed with me she was able to update the policy and then told me I would need to wait for a escrow analysis and to callback ; I asked for a manager at that time as I had been told previously I would be able to ask the same day and it would take 1-2 business days for analysis. I spoke with the manager on XX/XX/XXXX who requested the analysis and then he advised it would be 3-5 business days and it could not be applied to my mortgage payment. After not seeing anything update I called on XX/XX/XXXX for a MSR to tell me it takes two weeks for the analysis. She transferred me to XXXX XXXX who then told me the analysis was done ; I asked again to have the payment applied he said this could be done and would not contact me unless something happened. I logged onto my Quicken today and they cancelled my homeowners check in error and now I could be at risk for a lapse in insurance thus causing future financial burdens due to a lapse in coverage. I have given more than sufficient time to fix the initial problem and it only seems to be getting worse. I called today to inform, I left XXXX a voicemail and waited til the afternoon with no call. I called and first customer service disconnected, second put me on a silent hold for extended period and third took forever to transfer me to XXXX.
Product: Credit reporting or other personal consumer reports

CFPB XXXX I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my social security number, and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions : 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 All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX
Product: Credit card

I have been making payments on my Macy Card, the last payment I made was in XX/XX/XXXX for XXXX. I also moved at that time, when I moved I changed my address with all creditors by phone and had my mail forwarded by the Post Office. When I paid my Macy Bill I also included the change of address form with my payment I mailed in, in XX/XX/XXXX. After moving all my mail was being sent to my new address, the only statement that was not being sent to me was my Macy statement. I had assumed the account was paid since bills no longer were coming to me and all my other mail/bills ect were being fowarded. I called Macy today after finding out they reported me 5 months late. I am not late on any bills so it was a shock. During the call that was today XX/XX/XXXX that I made on XXXX Hawaii Time, the lady told me the reason why they stopped sending me bills was because the bill was returned to them, with a sticker from the post office saying I didnt live at that address and I had a forwarding address and that since their servicing dept didnt remove the sticker and update their system that they stopped sending me bills. I gave her my atm card number because they demanded full payment which is fine I pay my bills but they will not issue me a letter or notify the credit bureaus that it was not my fault. She keeps saying all she would do is send me a statement showing I was late. I asked if the error is on your end why should I get dinged for it, that they should issue me a letter to correct it with the credit bureaus so I can fix my credit that was perfect. She said no and that it was my fault cause I should of called back again to change my address that I had changed already. I dont feel that I should be adversely affected since I did my part to update my billing address. All I want is for them to report to the bureaus that I was not at fault and to correct my credit rating. tahnk you
Product: Mortgage

After 4 years of applying for home modification with Bank of America, I received XXXX earlier this year. There are several issues that I have been trying to resolve and BOA has given me a run around. Issues include a new loan principal that is more that the previous principal, this new principal is more that what I had purchased the house for initially and my home value is no where close to this loan amount. While seeking modification, I have continue to pay the bank my mortgage albeit not the entire amount. Upon modification, there is not a trace that I had payed BOA save for my own bank statements. The money simply vanished. The documents I signed also are very suspicious as there are too many inconsistencies. I was told by an agent from the bank I should be happy I got the modification and I am not eligible again if I do not accept this mod, and I constantly had foreclosure threats leveled at me for the past 4 years. BOA reset my loan back to 30 years, did not reduce my interest rate and has tagged on a {$50000.00} fee that is due at the end of the 30 years and have not been able to explain the origin of this back-end loan. The only evidence of the existence of this bogus loan and my responsibility to pay it as a lump sum in 30 years is no where else but the modification papers. 
XXXX spoken to a few mortgage law experts, it seems there are quite a few violations with the loan and the whole process surrounding it. I would like an answer to all these issues once and for all and and hope this gets resolved soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in 2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through XXXX, Transunion and XXXX reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in 2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from XXXX  that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that XXXX be investigated. 
Regards, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I HAVE HAD MY SAVINGS STOLLEN MY XXXX CREDIT CARDS, SS #, PASSWORDS FROM MYCOMPUTER, DRIVERS LICENSE AND I WAS UNDER SUCH DURESS I THOUGHT I WAS GOING TO BE KILLED. THIS STILL IS IN THE HANDS OF THE POLICE AND FBI. 2 OF THE 4 PEOPLE HAVE BEEN CAUGHT, BUT THE ROBBERS GAVE MY INFORMATION TO XXXX KNOW WHO. I WAS PUSHED INTO BANKRUPTCY BY THE BANKS, EXCEPT XXXX XXXXXXXX XXXX, XXXX XXXX WHO REVERSED THE CHARGES. THIS MATTER WAS NOT IN THE BANKRUPTCY, BUT I DID TRY TO FIND A LOAN, SINCE AT XXXX I CAN NOT PAY FOR MY MEDICATION. THIS COMPANY CONTACTED ME, I CHECK THEM OUT AND SEEM LIGIT. FORTUNATELY I HAD VERY LITTLE IN MY ACCOUNT WHEN THEY WENT INTO IT AND I CONTACTED CHASE. I DON'T KNOW HOW THYE GOT MY ID /PASSWORD, BUT THESE SCAMMERS ARE TERRIBLE HERE IN FLORIDA . PRIOR SOMEONE WHO STOLE MY IDENTITY- STOLE MY IDENTITY A 2ND TIME. BUT CHASE DID NOT NOTIFY ME OF ANY ODD ACTIVITY I NOTIFIED THEM!!! BOTTOMLINE THEY ASKED ME TO SET UP A NEW ACCOUNT WITH THEM AND THEY WILL CLOSE THE CURRENT ONE. BUT THEY DECIDED TO THROW ME OUT OF THE BANK??? THEN CHARGE ME OVER {$2000.00} FOR THE FRAUDULENT CHECKS THAT THEY PAID!!! WHY THEY CHARGE ME IS NOT FAIR. THEY HAVE INSURANCE FOR THIS TO WRITE OFF SUCH AN AMOUNT. OTHER BANKS WROTE OFF 7 TIMES THAT FOR ME. I PLAN ON FIGHTING THIS, IT IS UNFAIR. I HAVE TO PAY FOR MEDS AND THEY DEMAND THEIR MONEY. I HAD NOTHING TO DO WITH THIS. I'M ON A FIXED INCOME. I HAVE TO PAY FOR MEDS ALSO. I COULD NOT PAY THIS BACK, BUT I'D BE XXXX BY THE BANK WITH FEES AND INTEREST. HELP ME PLEASE. I ALSO HAVE BEEN DIAGNOSED WITH XXXX XXXXXXXX THAT HAS SPREAD. I FEEL DOOMED AND HELPLESS PLEASE HELP ME PLEASE. I DON'T DESERVE THIS. XXXX XXXX
Product: Mortgage

Our loan was sold. After 3 months of no communication about not receiving payment, we get a foreclosure notice on our door. We immediately call and are offered a loan modification. We did the steps, and continued making cashier check payments. After finally getting our money back we forward it on to the company. Months later we get a notice on the door, our home is going to be auctioned. We contacted them and they said, " we never agreed to a modification ''. All the while we are making payments. We go to the bank and find out they are holding our checks, and not applying them to our loan. Now we stand to lose it all, and the communication to save our home is impossible to get.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not my account.