23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have on several occasions; sent Macys a Court ordered name change document. I initially sent the document 2 months ago. I have spoken to several different agents, and I still have no update. Here we are headed into XXXX  and my legal name has still have not been updated. I am very upset with how Macy 's has handled this and i would like this resolved asap!!! The communication on their end has been horrible to say the least. Please keep in mind that you have customers who are in very dangerous situations where they immediately need their information updated. You have placed me in a very difficult position unnecessarily.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill their legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting, unreliable, responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, has neither corrected or removed disputed items despite the evidence i provided, causing, ongoing, harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

There are four different collections on two different reports in regards to a XXXX bill that i do not believe i owe. one is not even in my name. I have written several certified letters to the agencies on the reports requesting information and they have failed to respond. I have also sent them certified letters requesting that they remove the info from my reports since they refuse to send me any information regarding these accounts, but they still will not respond.
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd party credit repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605 B ( 15 U.S. Code 1681c-2 ) that you, Equifax a consumer credit agency, block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections and or hard inquiries as reported. The aforementioned accounts, collections and or hard inquiries, appearing on my consumer credit report maintained by you, were not opened, made, or initiated by me. All of the aforementioned accounts ; collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft criminal complaint, FTC Report Number # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address on my XXXX and Trans Union Credit Report that is not mine : XXXX XXXX XXXX, XXXX CT XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received notification that public record accounts were reporting in my name on my credit report from XXXX  XXXX XXXX XXXX. I've disputed this error with them and have since contacted this credit bureau numerous times via mail, phone, & online disputes and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well. I've sent 5 certified letters U.S.P.S Postage mail to this Reporting Agency over the course of a year. Ive disputed these same items 19 times & the company has yet to provide a response within the 30 days allowed, provide any Validation of Record which I requested nor correct this costly error on my behalf which is affecting my opportunities to obtain credit. It even doesn't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I've written the US XXXX district Courthouse & their response which I can provide is that they do not report any activity with credit bureaus. This letter was officially sealed and notarized by an agent representative of the Courthouse. So my concern is that if they aren't reporting any information how is that being retrieved This public record is only reporting on my Equifax report and not any other bureaus.
Product: Mortgage

Mr Cooper refuses to acknowledge my request for short paying my property taxes to help keep my monthly payments low so I do not struggle financially each month. I explicitly requested that they short pay the initial installment on XX/XX/2018 and they did not follow my instructions and instead paid the full amount. When I attempted to write to them to advise of this, they did not want to write back a resolution. I will not trust this company verbally to resolve and want everything in writing from them!
Product: Mortgage

My husband who was the only one on the loan passed away last year, I have been struggling to adjust to his loss and the lost income, i have fallen behind. When I tried talking to the lender they would tell me i had to provide death certificate and copy of deed which I did then they say I had to have his estate probated and be the personal representitive. The lawyers I talked to said this was not necessary and the process would be very expenses. 
I also contacted a Hud certified counseling agency to help me but they too were not allowed to talk with the lender. 
They have sent the loan to attorneys to start the foreclosure process, I call they say they can't talk to me. 
I would like to save my house and have income to make payments but they will taake them or work with me. 
I am a surviving spouse and want them to abide by that program.
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 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  : Account NumberXXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or other personal consumer reports

I have asked TransUnion, XXXX, and XXXX multiple times to provide me with the results of the investigation done by their company to ensure that my credit report is reporting XXXX percent accurate. Transunion XXXX, and XXXX are breaking federal law by not providing me with this information. it is Transunion 's XXXX 's, and XXXX 's duty to take reasonable procedures to insure they are reporting XXXX percent accurate. I have asked the companies to provide me with their method of verification which must include periodic statements and notices mailed 21 days before the payment is due and also include personal interviews from neighbors, friends and associates that, shall not include specific factual information. I have not received a copy as proof from any of the Credit Bureaus. Transunion XXXX, and XXXX is causing actual damage to my reputation as well as emotional distress.
Product: Credit reporting

equilfax is reporting XXXX medical collections from a collection agency called XXXX. these collection were not billed to the right insurance im XXXX veteran the medical provider was instructed to bill the VA for services for XXXX. the VA will not pay collection agency. midmich medical sold these collection to XXXX and will not cooperate in the proper billing.i filed meany complaints with equilfax with no results.i want these collection removed now.
Product: Debt collection

XXXX XXXX was an apt complex in XXXX, Arizona. I resided in that apt from XXXX and moved out in XXXX of XXXX. I first received a bill for " damages '' that my deposit did not cover and I sent over a payment of {$240.00} on XX/XX/XXXX. About a year later I received another bill roughly in the amount of {$1500.00} for unpaid rent for XXXX of XXXX and for more " damages ''. I than paid another {$300.00} on XX/XX/XXXX only for damages and left the remaining balance to prove my case that I did not owe any past due rent. 

XXXX XXXX claims that I did not pay rent for XX/XX/XXXX and sent my account over to IQ DATA Collection Agency. I sent them a copy of the cashiers check on XX/XX/XXXX showing the amount of {$980.00} made on XX/XX/XXXX from XXXX XXXX XXXX XXXX. It was verified that the check was not cashed until XX/XX/XXXX, which was 4 months later. I have called IQ DATA and spoken with their customer service and with their unit manager XXXX XXXX on numerous occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

My last conversation with XXXX XXXX on XX/XX/XXXX, XXXX had told me that XXXX XXXX is denying the proof that I had submitted, which was the copy of the cashiers check and a verification letter from my bank saying that the check was indeed cashed on XX/XX/XXXX. On the copy of the cashiers check that my bank sent me, was a stamp and a signature of the apartment complex depositing the check into their XXXX XXXX account. 

I have contacted XXXX XXXX Apt complex and they told me to contact XXXX XXXX XXXX. I have also tried a few times to dispute this with XXXX.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraudulently opened an account in my name in 2020 and sold the debt to a third party company named XXXX XXXX. They refuse to remove this account and now I have a collection on my credit report.
Product: Debt collection

Paid off debt collection XXXX to Credence. Did not recieve a receipt until XXXX. Original creditor XXXX did not agree the debt was resolved nor would acknowledge receipt and finessesed consumer for a payment XXXX yet did not ever disclose the details of the payment nor a receipt only referred consumer back to Credence XXXX. Issued a refund on XX/XX/2022 and again XX/XX/2022 yet did not recieve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF XXXX XXXX
Product: Checking or savings account

I am requesting a refund for the fees charged to my account due to recent financial difficulties that resulted in low account funds. These charges have further strained my ability to manage essential expenses, and I would greatly appreciate your understanding and support in reversing the fees as I work to stabilize my financial situation.
Product: Mortgage

On XX/XX/XXXX, I applied for a mortgage forbearance due to a family illness causing financial hardship. I promptly contacted Amerisave before the next payment was due to explore assistance options. I submitted the necessary documents on XX/XX/XXXX and provided additional paperwork on XX/XX/XXXX. At that time, I was assured by XXXX employees that no late charges would accrue during the pending forbearance, and it would take XXXX  days for a decision. However, Amerisave took more than XXXX  days to make a determination, and late fees were still assessed, despite the prior assurances. On XX/XX/XXXX, I received information about the forbearance, and I promptly sent the required amount via a XXXX-signed money order on XX/XX/XXXX. Amerisave received the payment on XX/XX/XXXX, signed by XXXX. When I requested written confirmation that I met their terms, Amerisave declined to provide it and denied my request to speak to a manager. I am concerned because previous complaints against this mortgage company have revealed a pattern of not honoring verbal agreements and even leading to home foreclosures due to mishandled forbearance requests. Additionally, consumers have reported issues with late fees and negative credit reports due to inaccurate information provided by the mortgage company. 


On XX/XX/XXXX, I spoke with XXXX and she inquired about my situation and asked which option would I like to take care of the XXXX months. I opt 'd for the XXXX  months to be placed at the end of the loan. XXXX stated she would send me the documentation and I needed to provide it within XXXX days. It has been XXXX weeks and I have not received any documentation. On XX/XX/XXXX - I contacted my lenders loss mitigation department and spoke to XXXX. She informed me that I would not be receiving such documentation until after the forbearance expired. I explained to her per section XXXX of the agreement that would make me ineligible for any loss mitigation options if the agreement expires. Additionally - that would cause a negative reporting on my credit afterwards. The representative stated that is their process and when I advised that would mean they are breaching their own contract and jeopardized my credit. She stated I can attempt to request for it to corrected after the fact. I asked for a supervisor and she told me one was not available and to email them. 

I am concerned because the lender has numerous negative reviews on deceptive practices. I have adhered to and complied with the terms of the forbearance and the lender should as well. That includes them providing me with the required paperwork and processing it in a timely manner. Not waiting until after my agreement expires to then demand total balance due and effecting my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, at approximately XXXX XXXX I logged into my Bank of America ( BofA ) account to pay my credit card. Even though my due date was not until XX/XX/XXXX, I wanted to get it done before the XXXX. After I review my account, I proceeded with the payment, received a confirmation of the payment on the screen, logged off, and moved forward to start my labor day weekend. In the meantime, I also confirmed some " no fraud '' activities that the bank was concerned about a few days ago. 

On XX/XX/XXXX, I received an email from my financial advisor that I'd been charged a late fee of {$25.00} from BofA. I logged back around XXXX am on XX/XX/XXXX, and I noticed that the payment I submitted on XX/XX/XXXX, was actually canceled without any explanation. I never received an email after I submitted the payment, that my payment was canceled, and was simply charged a {$25.00} late fee. 

I first called my financial institution ( XXXX XXXX XXXX ) to see if the problem was on their end, but they confirmed that everything is fine with my account. 

Shortly after I called BofA customer service and at first they did not know what was the problem, but immediately blamed me that I canceled the payment. When I asked to discuss this further with their managers, they kept shifting me to another person, who was reading a script to me about " the late fee is valid '' ; however, they could not find any written verbiage in their terms and condition that described my situation. After speaking with 4 different people, and never the manager, and spending XXXX and XXXX minutes on the phone, I was exhausted, and could not believe that we spent XXXX on the phone. 

In this case, I feel that my XXXX  been inappropriately taken without any further explanation, and I feel they stole from me. I have 8 credit cards and never had any issue with any financial institution before, and I feel BofA does not care about their customers, and can't believe they can take money from a customer account just like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I made a routine online payment of {$100.00}. Prior to making the payment, I updated my XXXXXXXX XXXX checking account information. I did not utilize the old XXXX XXXX information as I had recently closed that particular account. I also have XXXXXXXX XXXX checking account information on file as well. On XX/XX/XXXX I received an email alert from Chase informing my financial institution returned the payment of {$100.00}. 

Subsequently, I contacted Chase to inform them of the email alert and updated payment information submitted on my credit card account before making the payment. I spoke to a Representative who advised the payment of {$100.00} had posted on XX/XX/XXXX and there was no payment due at that time. In addition I repeated the payment information used to make the payment. I requested the Representative to remove the old payment information in which she accommodated my request. In addition the Representative requested me to reconfirm my updated payment information. On XX/XX/XXXX I received an alert to make a payment of {$35.00}. On XX/XX/XXXX I made a payment of {$100.00}. 

To any event, I am confused my account is up to its approximate limit of {$500.00}. I have charged a total {$160.00} between XX/XX/XXXX- XX/XX/XXXX regarding purchases from XXXX. I have paid {$100.00} on XX/XX/XXXX as I routinely do. XXXXXXXX XXXX stated Chase Bank never attempted to submit the payment, although the correct updated payment information was provided. On XX/XX/XXXX a Chase Representative stated the {$100.00} had posted, removed my old payment information, and confirmed my updated payment information. On XX/XX/XXXX I made another payment of {$100.00}. On XX/XX/XXXX I had a return from XXXX in the amount of {$130.00}. After failing to appropriately apply the payment of {$100.00} on XX/XX/XXXX, Chase Bank charged me an extra {$36.00} ( late fee and fees and adjustment charge ). 

Chase Bank may reference the details of my complaint through their resources. I am requesting Chase Bank to remove any extra fees applied to my account. Routinely, there has always been a sufficient amount of funds to cover payments. I am also seeking Chase Bank to reevaluate my credit card account ensuring all payments and credits are appropriately applied to the account. Please be advised if necessary I can and will supply any supporting evidence upon request.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in months that are reported late to be removed.

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

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


XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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

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

Delete the late payments from my consumer reports
Product: Payday loan

I received a loan in the amount of XXXX. I was told that the pay off would be XXXX. Now Im told that my monthly payments of XXXX was just to keep the loan open and none will apply to the loan.