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

I submitted all of my " Credit Limits '' - of all my credit cards to the bureaus ' and my credit totals collectively add up to a total credit line of : {$110000.00} and the Bureau 's are only showing a top credit line of only : {$76000.00} which is a whopping " {$37000.00} '' missing limit which would greatly decrease my credit balances, and decrease my credit ratios. Experian for the most part tend to be the most stubborn aggressor in changing my information to a correct status. This change will increase my credit ratios and scores. After all, these Bureau 's are in the business of reporting " Bad Credit '' - The worse the credit, the more credit reports and fees are collected because all consumers at some point must use their scores, for credit approvals, home purchases and car purchases..Just to name a few. But the Credit Bureau 's are making a killing in fees. I need for your organization to help me in keeping these Bureau 's transparent, yet liable for their fraudulent actions. I have suffered enough by their inaccurate scoring models. Please help me to restore my Credit Standing, Scores, and proper reporting status
Product: Credit reporting or other personal consumer reports

this debt is on my credit report and it is reporting inaccuarate i was never contacted with a contract regarding this debt. I asked company to provide verification and they verified through the credit agency. i disputed debt and no information was sent to me regarding this debt. please provide me with either the contract or debt verification that is my debt. 

Collection Agency CAINE & WEINER COMPANY INC Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$500.00} Amount {$500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact CAINE & WEINER COMPANY INXXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX CA XXXX ( XXXX ) XXXX
Product: Mortgage

We refinanced our mortgage in XX/XX/2022, but our credit score was wrong, due to XXXX sending out the wrong data to our lenders. We ended up getting a higher interest rate on our loan because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2020, asking Experian to send a copy of the documents with my signature on them that they are using to verify creditors. They replied by email they were investigating and the report would be ready XX/XX/2020. However, on XXXX XXXX they said in an email they verified the information. I never received the copy of the documents I had requested. They are verifying information that is incorrect and I want the documents that they claim to have that verifies it is correct.
Product: Money transfer, virtual currency, or money service

I am filing 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 cause significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting

Creditor reports payment plan with XXXX balance, when all was cleared 15 months ago through bankruptcy reorganization discharge.
Product: Mortgage

during covid my husband lost his employment so we entered into a forbearance, upon that ending we resumed making payments and then received an email in XXXX XXXX XXXX  from Guild Mortgage offering a disaster loan forbearance due to flooding in the area. We entered into that XXXX or XXXX of XXXX and upon that ending Guild stated that because we were $ XXXX over the limit that we would have to agree to new terms taking our 3.2 % interest to 7.3 % interest or go into foreclosure, I asked why cant we pay the $ XXXX outright and resume payments per the original terms agreed upon and they stated that's not an option and agree to 7.3 % or go into foreclosure. This was never communicated to us prior to entering into the disaster forbearance and I had several calls w/ guild mortgage XXXX i imagine and nothing communicated in writing either, upon the disaster forbearance ending if you're over a certain amt that the loan will need to be resubmit per new deal terms. Had that been communicated we would have never entered into it or paid the $ XXXX to resume payments, again I did not reach out to them to enter into a disaster forbearance they emailed me. This is unethical and ive been in touch w/ hud XXXX hera + several lawyers and the feedback is that this is illegal and we were taken advantage of, I'd like to correct this asap. Hud even stated that they have seen this happen w/ other people, absolutely unethical. our payment has increased over $ XXXX and it's all interest and less than {$200.00} going to the principle balance. Let us know our options. Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I opened an account with XXXX. XX/XX/XXXX, I left my card inside of a taxi. I called and reported the card list/stolen. A new card was issued and I was informed to wait up to 10 days to receive. I received this card XX/XX/XXXX. The old account ending XXXX is reporting as close on my credit report but I still have the account history on this account reporting XXXX as if it was open. My new account ending in XXXX and My closed account has the same history reporting on my credit report. This is considered duplicate reporting because I only have 1 open account with this company. The bureau have the account closed but no date as to when it was closed but a status update fir XX/XX/XXXX.
Product: Checking or savings account

My name is XXXX XXXX. My BMO account number is XXXX and reference code is XXXX. 

I opened a XXXX XXXX Checking account with BMO bank on XX/XX/year> and started depositing money to get the {$300.00} direct deposit bonus which they were advertising. But soon after a week, they suspended my account and asked to email documents to verify my ID which i did. But they emailed back saying to visit the nearest branch to submit documents in person without giving any explanation. 

There are no branches in XXXX XXXX XXXX XXXX, I would have to drive out of state to Oklahoma. They told me they'd have to close my account since I'm unable to visit branch and let me know the remaining funds ( {$200.00} in total ) would be mailed in the form of a check to the address on file which is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

It's been almost 2 MONTHS since they closed my account and I still haven't received the check. Every time I call them they would be rude and tell me the fraud department is closed or left early and hang up.
Product: Student loan

I have recently contacted AES ( American Education Services ) to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, AES ( American Education Services ) will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.
Product: Checking or savings account

On  XXXX / XXXX /  XXXX   I made out a check from my business account,  XXXX   XXXX   XXXX , to  XXXX   XXXX , who never received the check. On  XXXX / XXXX /  XXXX   someone cashed this check through   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   accepted the check without an endorsement on the check.  People 's B ank then in turn received the check and paid out the {$800.00}. They are advising me that   XXXX   XXXX   XXXX   is doing  a Fraud i nvestigation, but in the meantime I am out {$800.00}.     It has now been 5 months and I have threatened  People 's Bank that  I am taking my money out of their bank. They now have given me the {$800.00}. temporarily, until   XXXX   XXXX   XXXX    do es their investigation. If   XXXX   XXXX   XXXX   does not give them their {$800.00}, they are taking the {$800.00}. back from my account.     My complaint is, why am I out {$800.00}. when both banks were not supposed to cash that check without an endorsement? They and their employees were not diligent and they should be out the {$800.00}, not me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found XXXX incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ' and XXXX XXXX XXXX XXXX XXXX, NJ XXXX '. These addresses do not belong to me and need to be removed immediately. I currently reside at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Incorrect information like this can lead to fraud, identity theft, or confusion about my financial history. My credit report should only show my actual, verified address. Also, there is an error with my employer 's name. The incorrect variation " XXXX XXXX XXXX '' should be corrected to " XXXX XXXX XXXX ''. Please update my credit report as soon as possible to ensure it is accurate. Thank you for handling this quickly.
Product: Debt collection

Today i recieved a collection notice from CCS, for an insurance company, i called to dispute, informed them that I have had XXXX for several years not this sentry, they said they would still be placing it on my credit report. 


under 605b this is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

After that I discovered that there was a XXXX XXXX XXXX credit account and addresses on my experian report that were definitely not mine and hurting my credit score, I submitted dispute by phone call to the credit bureau, and they failed to remove the false information each and every time I submit the dispute and I did that 3 times. 
I called XXXX  multiple times and confirmed with them that there is not a single bit of information in their system on my SSN. Yet the dispute results always said the creditor confirmed the information. 
The false information is not on my XXXX or XXXX reports. The results did not come with any confirmation of why it was on my report, or even the full account number so I can provide to the XXXX reps that I talk to.
Product: Debt collection

United accounts continues to publish records of debt this is not mine. 
This debt has been disputed and has been found as inaccurate.
Product: Debt collection

I attempted to contact XXXX XXXX to pay this numerous times. This did not show up On the inline portal. I was advised that the account number and my actual account number with this debt does not match
Product: Mortgage

I built a new construction home in XXXX XXXX, TN with the home builder NVR, INC., operating under their Tennessee XXXX XXXX XXXX XXXX. I was promised {$4500.00} in closing costs which was arbitrarily reduced to {$1500.00} when I did not use their affiliate mortgage company and title company. I was pressured with a week left before my closing to sign documents altering the contract reducing their contribution of closing costs by {$3000.00}. I did not plan for this and was forced to tap into my XXXX retirement savings account and pay the penalties associated. I was also forced to sign other documents a week before closing related to my use of an independent lender and title company. The pressure and steering to use the affiliated companies were extremely discouraging. I thought XXXX XXXX were to represent the TRANSACTION between buyer and seller? How can I be forced to use a title company affiliate. I did shopping for my mortgage with several lenders and I feel confident that the rates and junk fees quoted by NVR 's affiliate did NOT represent averages for the industry.
Product: Credit reporting

XXXX XXXX The following account above does not belong to me, and this item is stopping me from getting a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi cfpb I am reporting XXXX for reinserting a debt that doesnt belong to me from, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX. I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of violation of {$1000.00} per each and litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to validate accounts on XX/XX/2021 to.. I didn't hear anything from them so I filed a complaint XXXX with you guys. According to FCRA reporting agencies have 30 days to validate disputed items. It took them longer than 30 days therefore my request to remove disputed accounts should be honored. I have attached the letters which state the date of Tranunions response
Product: Credit card or prepaid card

TD Bank XXXX XXXX recently started charging an interest rate fee on foreign transactions. I did not receive proper notice of these charges. Now I am being charged small amounts monthly. Unlike other credit card companies, I'm unable to allocate my monthly payments to directly pay off my foreign transactions. The only way to stop getting charged these small amounts is to pay off the entire balance. There is no recourse, there is no way to stop the fees, and I was never aware that I would be charged. This seems like dishonest practices to nickle and dime customers.
Product: Credit reporting or other personal consumer reports

In XX/XX/2017, I worked with a company to help pay off large credit card debt. For over 5 years, I worked with this company, paying $ XXXX monthly into an escrow account as they worked to resolve my debt with XXXX, XXXX  XXXX XXXX, and XXXX. It was difficult to send this money monthly as my credit score plunged to XXXX, and I stopped using all my cards and accounts. I wanted to avoid bankruptcy. However, after time, I was able to settle with XXXX and XXXX. But XXXX would not settle. They would not work with the debt relief company. The California statute of limitations had run out when they could take me to court, so I ended my relationship with the XXXX XXXX XXXX and moved on. Since I paid off XXXX credit card debts, my credit score rose to XXXX. However, after doing nothing since 2017 to my credit report, out of the blue, XXXX reported an XXXX for the second time in almost 6 years on my account to the credit reporting system. Over time, my credit rating dropped XXXX points, and I'm now down in the low XXXX with a fair credit rating. It has destroyed all my hard work and seriously hurt my credit. Again, XXXX WOULD NOT work with my XXXX XXXX XXXX and then did this. It is a malicious move designed to hurt my credit and ruin my hard work and the future of all that I can do with lenders. When I reported it to Equifax, they contacted XXXX, who added XXXX to all the months since 2017, hurting me even more. 
Why did they wait, and why did they do this other than to destroy my credit history and standing? My life is a living nightmare because my score keeps dropping, and lenders won't work with me or give me loans even though I have paid rent for over 10 years at my current address, other debts, credit cards, etc. This tactic is highly egregious and should be investigated and stopped by companies like XXXX. Again, they refused to work with me to resolve the debt, attacked me personally, and erased my hard work with credit for their own benefit. WRONG! There should be protections from companies like XXXX and these tactics. Hard-working Americans like myself with family to support should not be attacked by multinational XXXX companies.
Product: Credit reporting or other personal consumer reports

I can never access my information online. I can not place a freeze online, I can not dispute online. I need fraudulent information deleted and I am requesting that all of my personal information be updated per the documents supplied.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX USCB Corporation XXXX XXXX XXXX XXXX, XXXX XXXX RE : Follow up for XXXX and XXXX XXXX responding back to the alleged debt collection and inaccuracies thats reporting on my behalf. On XXXX I reached out for verification of debt. The company responded with a follow up on XXXX trying to verify debt. Through my response on CFPB complaints. How is it verified without my consent or my original WET signature I suppose to have signed? Or proof of present documents pertaining to me not old documents that were fulfilled. 

Be advised this is not a refusal to pay debt. However I have a right to question and have inaccurate information verified and corrected. But a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and verification was requested. And not verified. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

1. Purchase Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my WET signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Valid copies of the debt agreement stating the amount of the debt and interest charges 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state. 
Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

Thank you Kindly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX VA XXXX posted loan for XXXX On my report I try to resolve it myself but it is hindering me from buying a home for my family
Product: Credit reporting

This is a business dispute with XXXX. Not a credit issue. 
XXXX agreed to provide a working phone for a two year agreement. They handed me a phone with a bad hinge on it. It would cut out while listening. This was after XXXX mailed to me that could n't be activated. 
XXXX charged me {$35.00} cash, to turn in that broken phone. Thus causing the two year agreement to be moot. This is a rip off. XXXX, flat out, was n't willing to provide a working phone on this agreement. 
The bill they are trying to collect. 
{$35.00} charge for a 'free ' phone that I never actually got ( a working phone ). 
{$25.00} for the time It took for another phone company to pull the number. That closed my account. 
I have no intention of paying the {$35.00} of the {$60.00} bill for a 'free ' phone they never actually provided. 
The {$25.00} of the {$60.00} I consider paid when I turned in the broken phone and was manipulated into paying {$35.00} cash to do so. 
XXXX still owes me {$10.00}. 
XXXX has no right trying to collect {$60.00} from me. 
XXXX has no right to Slander me on my credit report.