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

A dispute was submitted to TJXMAX regarding a bill for {$300.00} charged on XX/XX/2022. They said they were going to investigate, but I kept getting a bill of {$300.00}. On XX/XX/2022, I contacted TJMAX via phone, and they informed me that they declined my dispute because, according to them, they are saying that only I could have made the purchase since they sent me the temporary pin. I did not make that purchase, and I do not know to whom they sent this pin. They said that I could not dispute the claim further. They refuse to provide a reference number for the case when requested. Please help, I did not make this charge, and TJXMAX refuses to resolve this fraudulent activity.
Product: Credit reporting

I have attached a letter of deletion from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I have previously sent to Transunion and yet the collection entry still exist on my credit report with them. Please remove the collection entry. I also am diputing the different variations of my name. I am only and have only been known as XXXX XXXX XXXX. Please delete the other variations. Also, I have never ever worked at XXXX XXXX XXXX
Product: Mortgage

I have contacted United Wholesale Mortgage and I have had my mortgage Broker also contact them asking that they correct the incorrect information on the pay history of my account. I have also completed a conference call with the lender an the credit bureau. 

United Wholesale Mortgage is reporting I was late XX/XX/XXXX 30 days and this is not correct. I was 30 days late in XX/XX/XXXX and CURRENT XX/XX/XXXX. UWM is also stating I was 30 days late on XX/XX/XXXX which is not accurate. On United own site it does not show I was 30 days late in XX/XX/XXXX which I was not and my account history shows I was not 30 days past due. 

United Wholesale Mortgage is not changing these items to reflect correctly which is resulting in a lower credit score so they can charge a higher rate and fees on the loan that I am currently in process of
Product: Credit card

Account Number : XXXX Date Opened : XXXX  Amount Owed : {$1000.00} Action : Company closed card and now has defaulted to collections, effecting my personal credit
Product: Debt collection

Writing this complaint to express concern over Security Service 's lack of privacy for their members. I received a bill in the mail and you can see my past-due balance. I feel this is embarrassing. I don't want my mailman, neighbors, children, wife, or random stranger to be able to get my mail and see I have a past-due balance. I am attaching the letter, which is unopened. On this unopened letter, you can clearly see that it is a bill to collect a debt.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I did not Authorize XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bank credit cardXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card Extra XXXX XXXX XXXX XXXX line of credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank credit cards XXXX XXXX XXXX XXXX florida, XXXX XXXX XXXX. 
XXXX XXXX companies non XXXX XXXX XXXX XXXX XXXX XXXX mn XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Get it now XXXX Get it now XXXX Get it now XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX  miscellaneous and public record professional XXXX placements XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX online  info miscellaneous public record XXXX collection account XXXX Account XXXX ... XXXX... XXXX personal loan company Premium credit bureau miscellaneous XXXX XXXX XXXX XXXX XXXX. agencies XXXX XXXX
Product: Debt collection

Three collection companies are trying to collect a debt not owed and have not provided validation of the debt. Its a FTC Violation that all three are showing up at open accounts and under 15 U.S.C. 1692g these need to be deleted
Product: Debt collection

GB Collects called my phone about a Water company debt in colection. I knew it was wrong and called back to request information about the original invoice, service address, etc. She rattled off some address and phone number that were never associated with me. I said I had never been to Michigan, she simply said thank you and hung up. 

I believe this was just a ploy to trick nave people into paying bad debts.
Product: Debt collection

The collector is refusing payment on account # XXXX which has total balance of XXXX unless they secure a payment for another unrelated account that is past the statue of limitation.
Product: Debt collection

I have received multiple phone calls to the point I have had to block this collection agency. During the initial phone calls I requested via telephone that a validation of debt letter be sent to me asap as I do not have knowledge of that debt. I was told by the representative that a letter was sent to me weeks and weeks prior. At that time I told the representative that I had not received it and would they please send another. I could tell by the conversation that they would be a little uncooperative so I asked to speak to a supervisor. The supervisor came on and I requested a address to send correspondence to because I was sending them a request for validation of debt. I did in fact send that to them and have received nothing in return. At this point they are in violation of the FDCPA and I would like this to me looked into. At this point I want this account deleted from my credit report as it is causing issues with me requesting credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. unable to lift a security freeze with Experian 2. Extensive phone wait times 3. No option to speak with a representative/automated options that don't apply 4. different information/guidance provided with different agents 5. no resolution 6. issue now delays/impacts refinancing
Product: Mortgage

NewRez LLC, my mortgage servicing company, opened an unauthorized escrow account even after I provided proof that I had already paid my property taxes in full. Despite this, they increased my mortgage payment by {$87000.00} to {$2100.00} and are incorrectly claiming that I owe a balance of $ XXXX tax payements they never made. 

I sent XXXX written notices to NewRez LLC XXXX on XX/XX/2025, and another on XX/XX/2025 explaining that they had made an error by sending a duplicate tax payment to my township for taxes I had already paid prior to their payment. I have been responsible for paying my own property taxes and homeowners insurance for the past 13 years, as outlined in my mortgage agreement, and I submitted documentation confirming this to NewRez LLC. 

Even after providing clear proof that my taxes were paid in full and notifying them of their mistake, NewRez LLC created an escrow account showing a negative balance of {$4700.00} and, without my consent, increased my monthly mortgage payment by {$850.00}.
Product: Credit card

I applied for a XXXX XXXX XXXX XXXX from American Express prior to XX/XX/year>. 
Subsequently, I received a letter ( from that date ) denying an extension of my credit because my " average utilization of credit card accounts is currently too high ''. As the Principal Creditor, This is in violation of 15 USC 45 & 1611. 
American Express is unlawfully denying my credit card application for false non-decisive factors.
Product: Checking or savings account

I would have money in my account and my bills being taken out on an automated service and then I would get a email saying unsufficient funds and then charge me an overdraft fee
Product: Mortgage

XX/XX/2021 I was several called to Mr cooper mortgage company. 
Prior to completion of the forbearance program, I applied for a loan modification to the MR COOPER mortgage company. the due date on XX/XX/XXXX, Call center guys told me Loan Modification would take about 2 weeks. However, it takes a month to continuously ask for reasons for the system. It is said that the loan Modification can not be terminated. This reason is fraudulent trying to take my home. It is said that it takes 3 days to pay all the unpaid money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. These errors have been detrimental to my life and my credit health.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are ignorantly and fraudulently reporting a total of XXXX hard inquiries to my consumer report that I have no knowledge of. I requested for them to verify each inquiry and remove the ones that are not validated by me. I have also complained about my breach of information on behalf of Equifax and still no response since XX/XX/year>. I as a consumer trust that my information will be reported fair and correctly and I have been let down. According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has furnished inaccurate information on my consumer credit reports violating my rights under the Fair Credit Reporting Act ( FCRA ) & also illegally reporting false information not given with my consent nor the consent of the company in which it claims it came from and with doing so, has caused great damage to my life. Causing serious financial harm & in the process defaming my name. I have contacted Equifax for over a 2 Year plus time period in relation to inaccurate public records information ( cases number, XXXX & XXXX ) being displayed on my Equifax credit report. When I contacted them in regards to my dispute of inaccurate information they furnished me XXXX as being the bearer of information given to them. I then preceded to contact XXXX in regards to this information given to me. They replied only with a automated copy of their corporate response not giving me any specific information that was requested within the timely manner given each time on my behalf. I then proceeded to still contact XXXX with potential small claims action against them & they never responded. Sending certified mail every single time to Equifax they totally disregarded my inquiry to provide accurate information or information detailing their investigation into the pubic records themselves. Neither was done. The United States XXXX District Bankruptcy court Certified a letter in response to my inquiry of them reporting any information to the credit bureaus & they replied in a certified response claiming they do not report ANY information to credit bureaus or third party companies such as XXXX nor Equifax. I still have copies of this response they sent me.Therefore if they did not get the information from the Company in which they claim is reporting it or better yet if they are illegally obtaining and using my consumer information not in good faith I immediately urged the removal. I have provided them with more than enough information in my disputes to get this false information removed and they have not honor anything I have sent them nor requested of them with my rights under the FCRA. I then Contacted XXXX XXXX Directly & after several attempts with them they finally removed this inaccurate information from their data which I also have a copy of as well. So if the credit bureau claims to get their information from XXXX XXXX XXXX XXXX XXXX has furnished a response stating they have no such record in their system as well as the actual XXXX District Bankruptcy Court stating they do not report ANY information to Equifax why is this credit bureau reporting false & inaccurate information under my name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a loan forbearance in XX/XX/XXXX due to hurricane Ian and Nicole. During the months of XXXX and XXXX our credit report showed late. I called in XXXX and was advised it would be adjusted. XXXX was marked paid, XXXX was reporting late again. XXXX I called again, they said they would fix the problem. Again, fixed and then immediately report late for the following month. Removed forbearance in XXXX of XXXX. Spoke to customer service who advised me that it would take 2 weeks to review the file and we will be notified if the payments are added to the end of the loan. Come XXXX we still see no change to the balance owed, called multiple times with all different answers. Finally advised I need to fill out the loan modification documents. Completed that on XX/XX/XXXX. After multiple requests for our forbearance and for credit report to be fixed, neither have been done.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDIT COLLECTION SVCS XXXX  Balance {$1500.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Vehicle loan or lease

My husband and I have a Honda Lease. I filed bankruptcy and reaffirmed the car in XX/XX/XXXX that was discharged in XX/XX/XXXXNo payments have been recorded on my credit report sinceXX/XX/XXXX Upon speaking to Honda about the issue I was told it was from the top corporate decision that post-bankruptcy accounts will not be reported even if it is reaffirmed. Honda refuses to accurately report payments. I have the transaction history available and will provide.
Product: Debt collection

Quick credit has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid. 

I have been told 3 times now or if not more that a packet will be in the mail for me to fill out forms and send my police report back in a prepaid envelope. Nothing has come in the mail at the old address this check was sent to in the first place and no packet has been mailed to my current and correct address given to them by phone and in person at the local location. 

I have filed a police report and have attached it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a criminally motivated company- in spite of 10 complaints did not remove the old address to current new address, even after confirmed by XXXX  XXXX XXXX This criminal conduct by XXXX is harming me to open a new credit card. 
Current Address XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Furthermore, this criminally motivated company - Experian never provided any evidence that I applied credit to this company below " XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX MN, XXXX '' ================================================================== I am getting a lot of spam calls to my personal phone number, Transunion, XXXX and this criminal company XXXX MUST NOT list my personal phone number in my credit report at all
Product: Debt collection

They call on a daily basis multiple times a day. Told them to stop. But they wont.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  XXXX XXXX credit card on XX/XX/20 because I want to start building up my credit but unfortunately I was not approved because I guess there are four accounts in negative standing on my credit report. I wasn't aware of these accounts before today because like I said I'm barely starting to build credit. These accounts do not belong to me ; I did not open any of them and I did not give anyone permission to open them in my name. I have no idea who is responsible for these accounts but I did not benefit anything from them being open on my behalf such as money, goods, services or any other benefit and I never made payments towards these accounts. The accounts were opened with these companies-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract/agreement or any affiliation to any of these companies nor did I ever authorize them to access my credit information. I have filed this report with all the information I have.
Product: Credit reporting or other personal consumer reports

I put in multiple disputes with Experian because they have items on my credit that are reporting negatively that some have been paid in full others. I have told them multiple times that those are not my accounts. Ive never had an account with XXXX but yet and still they have this account Reporting negatively on my credit. Ive asked for proof of the original loan/agreement. It was not provided all the accounts that have been paid in full. I have informed them that the accounts have been paid in full. I have gave them documentation that the account has been paid in full and they still have not removed XXXX XXXX off my account And it has been paid in full for over a year and a half but its report negatively and its on there twice one directly from the company and then from a third-party collection agency whos reporting a completely different balance than what was due, and that was paid in full
Product: Credit card

Synchrony Bank is the ABSOLUTE WORST!!!!! I have had some cards through GE Money prior to Synchrony Bank buying them out. Each year, I would get a credit limit increase through GE Money without having to request for XXXX. Once Synchrony Bank stepped into the picture, my credit limits have decreased to where it looks as if I am using 100 % of my credit. I have a JCPenny card that had a credit limit of {$4600.00}. I had n't used my card in a XXXX of months and recently made a small purchase. Today, I received a letter in the mail from JCPenny stating that my credit limit was being lowered to the current balance on my card which is {$200.00}. I am beyond infuriated! This is taking a huge hit on my credit score! I do not understand why and how they are able to do this to people! Do they not realize that this is affecting consumer 's well being? I hope something is done about this company. This has got to stop!!!!
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 caused significant inconvenience and financial loss, I seek appropriate redress for these violations,
Product: Debt collection

Rental Forgiveness and COVID-19 Relief : My previous landlord received COVID-19 rental forgiveness funds amounting to over {$25000.00}. This relief was intended to cover the rental obligations that were impacted due to the pandemic. As such, these funds should have been applied to my rental account, and any obligations on my part should have been mitigated by this assistance. 

Incorrect Collection : Despite the rental forgiveness, I have recently received a collection notice for {$12000.00}, which is inaccurate. The collection attempt is not reflective of the relief and forgiveness granted during the pandemic period.. 

Supporting Documentation : I have attached copies of relevant documents, including the rental forgiveness confirmation and any related correspondence with the landlord. These documents substantiate that the relief was provided and should negate any further obligation on my part.