23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I want to file a complaint with the company Hunt & Henriques. Hunt & Henriques, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, Phone : ( XXXX ) XXXX. Creditor : XXXX XXXX XXXX. 
Account number ending in : XXXX. Balance due as of XX/XX/XXXX : {$6900.00}. 

On XX/XX/XXXX, I sent a letter stating that the information sent to me to validate the credit card debt was unverifiable and incorrect. I stated the debt was invalidated. I asked to cease all reporting and cease all collection of debts immediately. 

On XX/XX/XXXX, a letter was sent to me with a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COSTS. 

The company states to file suit on " BEHALF OUR CLIENT XXXX XXXX XXXX  ''. 

However, XXXX XXXX XXXX already charged off this debt to another company called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX in XX/XX/XXXX. 

Then, I guess XXXX, eventually sold off this debt to Hunt & Henriques in XX/XX/XXXX. 

The resolution I want is for Hunt & Henriques to cease all reporting, cease all collection of debts immediately, and not file suit for this debt because the debt was invalidated, unverifiable, and incorrect.
Product: Mortgage

I was unable to modify my adjustable rate mortgage with Wells Fargo back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove negative information from my credit file. XXXX XXXX XXXX is being paid on time
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I currently have a Macys American Express charge card. On XX/XX/XXXX I was charged {$10000.00}. XXXX without my consent nor approval. My minimum payment was charged on XX/XX/2022. I called immediately after finding my debit card was charged 2 times by Macys and they apologized for the error on their end. They told me it would take up to 8 days until I received credit back to my account. I have my mom taking XXXX and under going XXXX XXXX but this charge took me by surprise. I understood that this was going to be fixed and nothing further was needed. When I took my mother to her appointment 3 days later, to buy her meds and apparatus for my home I find out the another payment was taken out. I called immediately to get the issue resolved and they gave me the same answer. As Im getting ready to refinance my house to make sure I have enough funds to help my mom battle XXXX, again other payment was taken and I was rejected for a refinance. I had to take a loan because Macys took over {$31000.00} in XXXX month and handicapped me to buy her supplies. Im heartbroken that I told my mom to wait until I cleared things up. I have called numerous of times and now I have to continue to wait. I wanted to go to contact the press with this and hire an attorney but I have hopes you guys will make things right. My work check was bounced back, I cant transfer funds to my account because of the huge amounts being taken out, and now I cant refinance my property with this unjust statements showing me in the negatives. This has caused me disciplinary actions at my Job, Im forced to take FMLA due to the time I had to take to settle this issue, my mental health is not there and I dont know why this is happening all at once. Can someone please call me XXXX or email me at XXXX? I wont be back to work until next month because of the FMLA. This is unfair and unjust. My Macys card has AMEX printed in the bottom and Amex would not treat people this way. LAST XXXX of my macys American express card is XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft ; Im writing to you to inform you that someone stole my information and opened a credit card under my name. Im requesting you to remove the account from my credit report ASAP. This is a fraudulent account in my credit report. Here are the details. 

XXXX XXXX, XXXX - XX/XX/2022 2022
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 and I hereby seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 15 U.S CODE 1681 section 602 A. States I have the right to privacy.

15 U.S CODE 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written permission
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX Dear XXXX XXXX XXXXXXXX XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on an account under an open ed 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. 
I never gave you XXXX XXXX XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX XXXX XXXX XXXX has caused severe stress and XXXX due to the abusive and unfair practices. 
You XXXX XXXX XXXX XXXX should be ashamed of yourself for assuming this role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This week I applied for a promo loan ( unsecured loan ) through my XXXX XXXX XXXX XXXX XXXX. I have been striving for the last 6 years of paying everything on time. That is why I was shocked to find out that I was declined for the personal loan. Even though I pay everything on time and make plenty of income to pay for the loan. 
I decided to check my TransUnion credit bureau reports and was blown away. Not only do they have nothing but old credit reports from XXXX ( XXXX old accounts that are delinquent ) but nothing new has been reported. I have XXXX or more accounts, that Im current on, and have been current for years. Last I checked old credit reports should only stay on for XXXX XXXX. So how is this credit bureau able to get away with this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with 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 my 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 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 XXXX days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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: Consumer Loan

Manager at Security Finance released third party information about my loan to my ex wife. When I spoke to manager about this, she git attitude with me and told me she is within her rights since my loan was past due.
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were inaccurate accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud and inaccurate items on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never had any transaction history with these accounts listed below, so please help me remove these accounts including this incorrect information from my personal profile. A copy of my Bank Statements, Drivers License, and SS ID for my Social Security Number are all included in this request. Please help me resolve this issue as soon as possible. PLEASE DELETE THE FOLLOWING ITEMS : EXPERIAN : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account Balance {$0.00}. Im requesting that you follow the law by removing these inaccurate accounts and please provide me with a free updated credit report within 30 days. Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank Statements, Drivers License, and SS ID as verification of my ONLY address.
Product: Debt collection

On XX/XX/2022, my identity was stolen. The identity thief opened an account at XXXX and made purchases. Three of the purchased items were shipped to my home address. The identity thief opened a line of credit for {$15000.00} at CitizensPay to pay for the purchases which totaled {$1400.00}. I stopped shipment of 1 item and a credit was issued for {$960.00}. CitizensPay is billing me for {$450.00}. CitizensPay has reported this debt to the Credit Bureaus. CitizensPay requested and I sent them the following documents 5 different times : Completed, signed, and notarized Identity Theft Victim 's Complaint and Affidavit ; Copy of my driver 's license ; Copy of Florida XXXX and XXXX XXXX for period XXXX XXXX to XXXX XXXX, XXXX  ; Copy of XXXX Police Department Report for Incident XXXX ; and, Copy of Federal Trade Commission Identity Theft Report # XXXX. 
CitizensPay has denied my claim 3 times. Accounts were opened at other banks including one that financed purchases made at XXXX. All other banks have identified these accounts as fraudulent and have closed the accounts. I requested that CitizensPay deactivate the account for {$15000.00} line of credit and they refused.
Product: Credit reporting or other personal consumer reports

I HAVE PROVIDED THE LEGAL DOCUMENTATION FOR FRAUDULENT INFORMATION TO BE REMOVED OFF OF MY CREDIT REPORT. SO FAR NOTHING HAS BEEN DONE FROM THE DATA FURNISHERS NOR HAS XXXX OR EQUIFAX COMPLIED WITH MY REQUEST. ACCORDING TO THE FCRA IF THE DOCUMENTATION HAS BEEN FOUND LEGIBLE AND I HAVE SUPPLIED THE CORRECT DOCUMENTS STATING I AM A VICTIM OF IDENTITY THEFT THE CREDIT BUREAUS ARE SUPPOSED TO REMOVE THIS FRAUDULENT INFORMATION WITHIN FOUR BUSINESS DAYS. 

XXXX NOR EQUIFAX HAVE RESPONDED OR REMOVED THIS INFORMATION MY FTC REPORT NUMBER IS # XXXX. ALSO DOWN BELOW I HAVE INCLUDED ALL OF MY INFORMATION THE FTC REPORT AND MY IDENTIFICATION AS WELL.
Product: Debt collection

I was paying off my credit card debt while employed with the military in 2000. When I got out of the military, I could not find work and could not pay the debt. I recently tried to pay the original debt off of {$1200.00} but now the amount has tripled to {$5800.00}. This debt is now 11 years old and should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have sent letters to all three credit reporting companies informing them of accounts, address and numbers that's reporting on my credit report wasn't open by me and received letters back as the account verified, my letters was sent XXXX XXXX, and XX/XX/year> to XXXX, Experian, and XXXX. this matter is also stopping me from being able to move and XXXX a job with a new company due to bad credit.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an item from XXXX XXXX for {$32.00} on my 1240 mysynchrony card. Unfortunately the sales person put this on a " DEFERRED-NO INT IF PD IN FULL '' which meant that the payments would not be made automatically like my " EQUAL PAYMENT NO INTEREST '' purchases. 
I contacted mysynchrony that I wanted to pay off the {$32.00} amount. They responded on XX/XX/XXXX " Once your payment has posted to your account you may contact us at XXXX or via the Online Messaging CenteXXXX and we will be happy to apply your payment as requested. '' On XX/XX/XXXX I wrote to the bank that my payment had posted and again repeated the specific payment to the {$32.00} purchase on XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX  responded " Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you. Your payment has been applied toward your account balance as you requested and as allowed by federal regulations. '' However XXXX XXXX did NOT pay off the {$32.00} payment but rather applied my {$32.00} payment to my entire balance reducing my next payment of {$730.00} to {$700.00}. That payment should not have been changed since the {$32.00} was to have been applied ONLY to the {$32.00} purchase from XX/XX/XXXX. 
The result is that I may now incur interest payments on the {$32.00} as this amount was not paid off as I specifically requested in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all XXXXXXXX XXXX  INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score
Product: Checking or savings account

I opened a checking and savings account with Wells Fargo Bank, back XXXX I had money left in my checking account over a hundred dollars that I forgot about for a few months and when I went to check my account it was closed due to banking fees without my knowledge. The accounts that I had were free checking and savings accounts. I called customer service just to be on hold for about an hour I finally spoke to a rep that was rude and transferred the call but in the process of being transferred she hung up on, so after several attempts I gave up now Im here..
Product: Credit reporting or other personal consumer reports

I am submitting in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question : XXXX XXXX XXXXXXXX Balance Owed : {$560.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update this disputed account. Please forward me the name and addresses of persons contacted. XXXX ( XXXX ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated according to Section 1681i ( a ).
Product: Debt collection

XXXX XXXX, a dubious debt collector, is making false statements claiming that I am not making direct payments on my student loan debt to the student loan company, XXXX. These statement ( s ) are adversely affecting my credit report. I have in fact continued to make monthly payments each and every month to XXXX without fail and furthermore XXXX has continued to receive and deposit these payments into their account.
Product: Mortgage

I was current with my mortgage and applied for the Government HAMP program. 
5 years ago Bank of America destroyed my credit. " SUPPRESSED NOT REPORTING my mortgage to the credit bureau to help me '' BAC did not report my mortgage for 7 months to the credit bureau. ( to help me )? 
8 months later BAC reported to the credit bureau that I was180 days behind on my mortgage since XXXX 2009 and I was current in XXXX 2009.BAC reported my mortgage to the credit bureau that I dtd not made a payment in 18 months. " We Suppressed not reporting your mortgage to the credit bureau to help you '' BAC used that 18 months of Suppressing of my mortgage to destroy my credit, and used it to give me a bad loan.
Product: Credit card or prepaid card

OnXX/XX/XXXX, I applied for a balance transfer with AMERICAN EXPRESS. OnXX/XX/XXXX a balance transfer in the amount of {$3900.00} + {$110.00} which is 3 % of the balance. The terms are 15 months NO interest. I have been making ON TIME payments for XXXX,XX/XX/XXXX & XX/XX/XXXX With NO additional useage of card, but being charged " finance fee '' each month. I have called each month with NO resolution. They correct for the previous month and it happens AGAIN the following month this has become quite FUSTRATING! The attached statement balance should be {$3100.00} as you can see it ISNT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a personal account at : XXXX XXXX XXXX XXXX, FL XXXX. This personal account was closed and the company refuses to send me a return label for the equipment and final bill reflects these errors. They offer by phone to send return box for equipment but it never comes. When i call each phone rep gets an attitude and gives random addresses, with varying instructions. It took a XXXX  and attorney general complaint each and every time no resolve. My credit report needs fixed asap as well. I know the company likes billing me for old equipment at top dollar, but id prefer a return label. All this during a hurricane fema disaster that caused me to move. On the phone since an XXXX american lady informed me since I used a derogatory language they would derogatory hurt my credit on purpose. This kind of tribalism in call centers is something that many call centers dance around, including this one. Please do not let a sensative young phone rep dictate and corrupt my credit score anymore. Lawsuits will soon be filed if the above isnt immediately remedied. Also please send a return label and final bill for the business account : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, FL XXXX. Also please issue the 2 week prorate credit for the outage in XX/XX/2020 that was promised, as it still never was fixed and I got tired of arguing with the same people who are protesting like idiots.
Product: Credit reporting or other personal consumer reports

I got a new lease from gym financial they never sent me mail. I got a call a few days befor the account would go to late I told them I got no mail they said they where sending it to a address I no longer live at ( which wasnt so true ) so i gave them the the new address and instead of overnighting or express mail that would get to me on time to make the payment as I said I will they decided to take there time. To be clear with out my mail I had no way of paying even online because it requires my account number and this was the first payment as soon as I got the mail I payed but at that time it was past 30 days and then they report me as a late payment when the error was on there side