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

My complaint is against Macys/DSNB. I had a medical hardship back on XX/XX/XXXX so late payments were reported on XX/XX/XXXX and XX/XX/XXXX( 60 days late ) from Macys Account # XXXX, Opened Date XX/XX/XXXX. I submitted a dispute with Macys on XX/XX/XXXX, kindly asking those late payments reported to  XXXX, XXXX and XXXX  to be removed because of my health situatuion due to my age. I did have the money to pay, but I was at the hospital so it was not possible for me to do it. They requested some documentation so I did send my medical certificate that proves that I was at the hospital when the late payments happened. However, the XX/XX/XXXXcredit reports for all three credit bureaus are still reflecting the late payment history on the mentioned account. I want the late payment history to be removed as soon as possible from my credit reports, if this does not happen, I will take legal action against Macys. Thank you.
Product: Credit card

my understanding that the interest rate on this credit card was 19-22 % and I am severely struggling financially and the interest payments are making me drown in debt. I AM UNABLE TO GET AHEAD. When i called my credit card company, i was ABSOLUTELY SHOCKED AND STUNNED to be informed by rate was actually 26-27 % HOW IS ANYONE SUPPOSED TO SURVIVE THIS PREDITORY LENDING?!?!?!??!? I AM DROWNING IN DEBT BECAUSE OF THIS 27 % INTEREST. I literally thought the rate on this card was 19 % I NEED AN UPDATED INTEREST RATE THIS IS INSANE
Product: Credit reporting or other personal consumer reports

I had an account with finrise that was charged off inXX/XX/2022 and sold to a collections agency, I settled this debt in XX/XX/2022 with the collection company, however the original creditor is still reporting this debt as charged off and unpaid. This is greatly affecting my credit score and violating my rights.
Product: Credit reporting or other personal consumer reports

I am contacting you to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit report. Due to a recent data breach, my information was compromised, and I am now experiencing fraudulent activity. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681c-2 ( a ), I am entitled to have fraudulent accounts and inquiries removed. 
Unauthorized Account XXXX XXXX - Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$550.00} Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX
Product: Student loan

I asked for the school misconduct discharge private loan application for my Navient loans and they refused citing this response Thank you for inquiring about a school misconduct discharge for your private loans. We have determined that your private loans are not eligible because they are no longer outstanding and have been paid in full. 
The request was sent to XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 XXXX from XXXX XXXX called and spoke with someone other than myself and divulged personal financial information regarding an account being overdue for payment. This clearly violates my rights in disclosing this information to a third party other than myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

A account that is more then 7 years old is still showing on my credit report
Product: Payday loan, title loan, personal loan, or advance loan

Higher interest rates than expected.
Product: Mortgage

Formal Notice of Error - Please accept this Notice of Error on behalf of XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX ) with respect to special proceeding 17 SP 401. SunTrust Mortgage Inc. is hereby noticed of its error in providing the respondents the incorrect Note. SunTrust Mortgage provided Note dated XX/XX/XXXX that was not signed by XXXX XXXX XXXX spouse of XXXX XXXX XXXX as of that date. The respondents collectively requested SunTrust Mortgage research that certain note signed by both XXXX XXXX XXXX and XXXX XXXX XXXX as the Substitute Trustee oh behalf of SunTrust Mortgage is pursing the parties on a note that XXXX XXXX XXXX did not execute. Therefor the Substitute Trustee on behalf of SunTrust Mortgage has wrongfully named XXXX XXXX as a party to the Foreclosure Action under the Note when in fact the Substitute Trustee and SunTrust Mortgage have continually failed to produce any note signed collectively by both XXXX XXXX XXXX and XXXX XXXX XXXX despite many well documented request. The respondents continue to maintain and hold this is a viable defense and creates and constitutes an affirmative defense to the enforcement of the Note presented in Error by XXXX XXXX XXXX as counsel for SunTrust Mortgage Inc., Substitute Trustee on behalf of SunTrust Mortgage for the enforcement of property held by the respondents. Further the respondents together allege unfair and deceptive trade practices on behalf of SunTrust Mortgage Inc., SunTrust Banks Inc., SunTrust XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and their vendors not limited to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. The respondents notice SunTrust XXXX XXXX of an error, overissuing beneficial interest in the respondents real property. Respondents continue to allege wrongful acts and conduct associated relating to 16 SP 187 and 17 SP 401 with respect to the forged Substation of Trustee recorded XX/XX/XXXX in favor of XXXX XXXX wherein wrongfully utilizing a subsequent instrument to wrongfully obligate over $ 3M of debt. SunTrust Banks Inc. its subsidiaries and in part its vendors have materially violated the Fair Credit Reporting Act, the Fair Debt Collection Act, the Fair Debt Collections Practices Act, the Truth in Lending Act and the Real Estate Settlement Procedures Act. Finally, the respondents allege SunTrust materially violated 229.1122 with respect to three modifications of loans during the fourth quarter of XXXX. When in fact, SunTrust proceeded without the property authority under the Applicable Servicing Agreement. The material defect extended beyond 90 day and was material in nature. Further, we alleged the stated interest rates incurred to the respondents differed from the actual coupon rates in the underlying notes. Please fully investigate the above Notice of Errors and advise us collectively of your corrective actions. Sincerely - XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX )
Product: Debt collection

I am being harassed on a daily basis on a debt that I do not owe. I sent them a letter asking them to cease and desist from calling me. I sent a certified letter asking the debt to be validated and they have ignored my requests. They are affecting my credit tremendously with these false accusations.
Product: Debt collection

This Collection Bureau, Advanced Collection Bureau, XXXX. XXXX XXXX XXXX, Fl. Phone ( XXXX XXXX XXXX. On XX/XX/2015 put the amount of {$5900.00}, on my credit an I want that amount remove from my credit report. I don't know anything about this amount.
Product: Debt collection

I have no knowledge of the medical bills thats reported on my credit account! Ive had medical insurance for years so I dont understand where these bills are coming from. I tried to fix the problem but they told me to just file a claim with you all to have them removed.
Product: Credit reporting

No matter what i do All XXXX credit bureaus do not provide me a credit report. I suspect that something is wrong but without a copy of the report I do not know where to begin.
Product: Debt collection

This is about two different collection agencies attempting to collect a disputed charge from XXXX ( XXXX  ). I have sent both of them a letter disputing the charges.

I will attach a copy of both letters.
Product: Credit card

I have been a Chase Credit Card customer in good standing for over 20 years and when I filed a complaint regarding fees that were charged to me unauthorized they retaliated and closed all my accounts without notice. Also, I tried to transfer my funds from my bank account to another and they stopped it. Due to the closure of my accounts my XXXX score decreased several points. They still haven't refunded my fees and thousands of my point with XXXX are missing and my reward points are also missing.
Product: Checking or savings account

I met all of the requirements for a {$200.00} bonus to be added to my account which was not posted in the advertised time frame. Specifically, a deposit from my employer exceeding {$300.00} was posted on XX/XX/17. The bonus was supposed to be posted within 60 days of this event. After 71 days I reached out to support. Support took over a week to respond and did not resolve my issue.
Product: Credit reporting or other personal consumer reports

Stated in the letter, I do not recognize the company or ever having an account with them. I let them know they were reporting inaccurate information on my credit report. I asked them to provide all documentation used to identify me as the consumer for which they are accusing owes this debt by supplying : Debt Validation letter to include my signature, chain of assignment, forward flow agreement, purchase agreement per the following regulations : 605B 15 USC 1681 C-2 15 USC 1681 ( e ) B, 15 USC 1681i . 

I have not received any information from the following companies XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Mortgage

I paid several mortgage payments to my loan servicing company to pay off the loan before the end of XX/XX/2019. My last payoff was {$1900.00} including the loan recording fee of {$98.00}. I paid an additional {$5.00} and a payment of {$1900.00}, just to make sure the interest was overpaid. I called up Rushmore Loan servicing a few days later and they applied the payment to the XXXX payment and put the rest of the money into a suspense account. They told me the next payment is due in XXXX XXXX. I told them the loan was paid in full according to the payoff amount I received. I spoke to many customer services reps and each morning I checked the account, there was a different balance. Rushmore applied all the payments in XXXX to XX/XX/XXXX-XX/XX/XXXX which affected the interest and the escrow. My escrow balance was over {$300.00} in the middle of XXXX and in XXXX it dropped to {$170.00}. Very confusing since I pay the taxes and insurance. I was supposed to have my title in my possession by the end of XXXX XXXX, because I had a buyer for my residence. I called up Rushmore each day, but very little response. The buyer got frustrated with me and went elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX PAYMENT XXXX XXXX XXXX  ( Finance XXXX XX/XX/XXXX XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/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: Debt collection

I received a collection notice in the mail and i was devastated. The collection company says that I owed {$340.00}. Someone stole my identity and stole other information from where ever they got it from. The collection agency is called Total card Inc. The current creditor is called XXXX XXXX XXXX XXXX the original credit account number is # XXXX the file number is # XXXX. I have XXXX and i was taken advantage of.
Product: Credit reporting or other personal consumer reports

I filed a identity theft affidavit after my purse was stolen. My identity and social security card including my ID cellphone were stolen and used to open up 3 fraudulent accounts that are on my credit. The credit reporting agency XXXX did not fully investigate my issue and they failed to fix the problem.
Product: Credit reporting or other personal consumer reports

I have contacted the CFPB on XX/XX/23 in regards to the account XXXX XXXX XXXX. I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet you refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report. The consumer reporting agencies are governed by the FCRA therefore if XXXX has completed an investigation and deleted this account then you also have to remove it as well. I am demanding the immediate removal of this account. Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.
Product: Credit card or prepaid card

CapitalOneallowedadatabreachthatXXXXhavedistributedmymostpersonalfinancialandidentificationinformation.
Product: Credit reporting or other personal consumer reports

XXXX is reporting my XXXX  loan debt twice to credit reporting agencies. It is reported as XXXX and then reported as XXXX  XXXX XXXX. All of this seemed to occurred on XX/XX/year>. So my XXXX  loan debt has doubled and keeping me from refinancing my home. I have reached out to XXXX twice via phone. One time I was on hold for over XXXX hours and the next time the wait time was long so I waited for a call back. I have sent 3 emails with no response. I can't move on with financing my house until this is corrected and it is hurting my credit. I have learned that XXXX and XXXX  XXXX XXXX are the same servicing company so I am not sure why they reported it twice and the amounts are different.
Product: Money transfer, virtual currency, or money service

Coinbase you have hijacked my funds in pending status they do not offer me the opportunity to cancel the transaction nor do they give me a hash, when I contact customer support they ask me for the hash that I do not have it is as if they have me in an unknown state, meanwhile I can not see my crypto while I see how my money devalues The transaction hash : you did no give me one yet, Case # XXXX - Transaction is pending for over 8 Hours Thanks for contacting Coinbase Support. 

It appears the information you provided might be incorrect for the transaction youre having an issue with. 

Please resubmit your request and make sure you enter : The exact transaction amount The transaction hash The email address associated with account for the transaction We require this information so we can clearly identify the issue. 

To learn how to find your transaction hash, please visit : https : //help.coinbase.com/en/coinbase/getting-started/crypto-education/what-is-a-transaction-hash-hash-id? ref=es If you didnt need help with an on-chain cryptocurrency transaction, please double check what you select in your next support request. 

Thank you for understanding. 

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Innovations Group I saw an advertisement for fha loans bad credit no problem. When I called the phone number I spoke to someone named XXXX. I told XXXX that I wanted to rent to own. I told XXXX that I was now in a XXXX XXXX XXXX XXXX XXXX after over 30 years of homelessness and injustice. For over 30 years I had been told there was no permanent housing for the homeless due to overcrowding on the waitlist. I also informed XXXX that I am an ongoing victim XXXX  XXXX XXXX XXXX XXXX and that I needed permanent housing to end that vulnerability. Finally, I asked XXXX how much. He told me XXXX per month for a membership. XXXX failed to tell me about an additional XXXX hold on my bank card in the same month he also failed to tell me about reoccurring charges of XXXX per month. To add insult to injury XXXX also failed to tell me that there were no guarantees of permanent home ownership. But for this information I never would have signed a contract. What XXXX did succeed at was assisting credit Innovation into scamming me out of almost XXXX. XXXX didnt fail to ask me for my banks routing numbers. Blessedly I didnt know what they were. 
I have a very important annual that is due at the end of the month. The XXXX hold is the reason I couldnt pay that bill. 



Phone : ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX email XXXX XXXX www.creditinnovationgroup.com My Schedule : XXXX XXXX XXXX Do you have friends and family who might benefit from our services? Ask me for your personal referral code and my personal referral phone number. I'll take great care of them and I'll credit your XXXX XXXX {$50.00} for every person who makes their first XXXX XXXX payment. 



All information in this communication, including attachments, is strictly confidential and intended solely for delivery to and authorized use by the addressee ( s ) identified above, and may contain privileged, confidential information entitled to protection and exempt from disclosure under state law. If you are not the intended recipient, please take notice that any use, distribution or copying of this communication, and any action taken or omitted in reliance upon this transmission, is unauthorized by the sender and will be considered unlawful. If you have received this communication in error, please notify the sender and delete this communication from your computer. Credit Innovations Group, is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Credit Innovations Group, provides a membership and monitoring service, therefore, is licensed as a CRA, as defined under Section 600 of CFR ( 15 USC 1681 ).
Product: Debt collection

I canceled this membership in-person with XXXX XXXX  in XXXX Michigan in Good Faith in XXXX of 2018. I explained to them that I was in the process of buying a Home in the area of XXXX Michigan which was further away where I would no longer be able to attend as member of their club. The membership at the time was only a XXXX Membership and was simply on a Month to Month basis. They agreed at the time to cancel my membership in Good Bargain Faith out of understanding of my situation without any cancellation fees Required in which I was never entitled to pay to begin with because I never signed any Documents or Contract that stated responsibilities to pay any early cancellation fees. However, something took place outside of my knowledge where a balance of {$220.00} is showing only on my XXXX Credit Report from First Credit Services in which apparently someone from the Original Creditor ( XXXX XXXX  ) chose to disregard the cancellation that was discussed in-Person at the club of my membership and sold what was supposed to be " Cancelled Membership Account '' to First Credit Services as a Debt in this amount of {$220.00} in which I truly feel at heart I'm not responsible for paying.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The last two times I have tried to modify with my servicer,   XXXX   XXXX  , I was told that even though I am divorced from my ex-husband/co-borrower that his income must be included in my modification review. I would like to see if the CFPB can to anything to have   XXXX   XXXX   not include my ex-husband in my request.
I plan on providing income information for my fianc since he is a contributing member of the household. My ex-husband is not contributing income to this household and does not live here, therefore we should not have to use his income for a modification. My ex-husband is also not willing to comply with providing documentation or signing documents to allow me to modify on my own. I plan to eventually refinance my ex-husband off of the mortgage but unfortunately our divorce had a negative impact on my credit. Therefore I am currently stuck in an unaffordable mortgage situation with no options to make it better due to   XXXX   XXXX   XXXX   requirement to include the income of a divorced co-borrower/non-household member.