23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Charges were made as follows on my XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/23 XXXX XXXX For a total of {$52.00} Years ago I had setup autopay from my bank account to pay the full balance due on this credit card monthly. For reasons known only to XXXX they did not use that system and then declared me delinquent and a nonpayor. I promptly paid the total of {$52.00} to them and can prove it. Nonetheless, XXXX started piling on late fees, delinquency fees, etc. and has now made very negative credit reporting on me, lowering my credit score substantially even though I have decades of perfect credit. They are lying and saying I did not pay when, in fact, I did. I want them to reverse and withdraw their negative credit reporting since I paid the balance in full after I saw they did not use autopay. 

Furthermore, in what I believe to be a completely illegal and unethical move, they seized and removed points I had accumulated as a longtime credit card customer and had put in my XXXX account. These amounted to more than {$200.00} I have been unable to use on purchases from XXXX. These " points '' have nothing to do with my credit card as these points were earned through years of charges on my XXXXXXXX XXXX XXXX  and were to be available to me but XXXX just arbitrarily took them away. It is like they stole my money. These points should be restored in full. 

I wrote an XXXX a detailed letter ( paper letter ) in XX/XX/23 and they have never responded 4 months later. They have ignored me. But they have substantially impacted my credit negatively and stolen points from my XXXX account. They should be ordered to correct negative credit reports and restore my points that I earned. I suggest they be fined for dishonest and unethical practices as well. They are way out of line with this simple matter in which I PAID THEM IN FULL.
Product: Payday loan, title loan, or personal loan

I never gave this company permission to contact me at my current place of work and they constantly harass me at work or at home and when I tell her I do n't have the money she threatens to involve the cops when I have done nothing to get me thrown in jail.   XXXX   is rude in how she goes about charging her customers because I 'm not the only one who has had this experience with her, she also told another client she had that she did n't want her to lose her papers because " she knew she was trying to get her papers fixed '' when the person in question was born in the United States. If I tell her that I do n't have money she gets mad and tries to make her own date to make me pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers License as well as a copy of my utility bill for personal identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. They were clearly not investigated properly. 

Here is the account. 

XXXX  XXXX.
Product: Credit card

My name is XXXX XXXX, and I am XXXX XXXX 's POA. She can no longer handle her affairs due to early onset XXXX. In XX/XX/2023, I had to move her out of XXXX  to XXXX due to my mother who was caring for her was diagnosed with stage XXXX XXXX XXXX. 

Today I received a collection notice in the mail that the account is delinquent {$12.00}. After speaking with representative, she informed me the account has been past due since XXXX due to a $ XXXX monthly fee. I asked for the fees to be waived since the account has not been used and asked that credit history be updated. I was advised that the fee is per the terms and she could not waive them. 

My mom is no longer able to help with XXXX 's finances and I was not aware of the bill since a statement was not mailed. It appears the notification were going to an email I did not have access to. No collection notices were received either until after almost XXXX months for them to update the account information as they continued to reject the POA that was provided. 

I understand the importance of fair lending and treating people equally, but it does not seem right for my sister to penalized over monthly fees and to have it negatively impact her credit history.
Product: Debt collection

Credence Resource Management {$1700.00} debt. 

The collection agency reporting on the behalf of XXXX XXXX XXXX has violated federal laws. They failed to honor my debt validation request and are attempting to collect on a debt that is past the XXXX credit reporting limit under the ( FCRA ). 


The collection agency has reported inaccurate information to the major XXXX, also secondary reporting agencies. 
XXXX open date : XXXX XXXX XXXX fees on an open account to my credit reports is also a violation under the law. 
The original creditor name is inaccurate being reported.
Product: Mortgage

XXXX XXXX, XXXX WRONGFUL FORECLOSURE BANKRUPTCY - VIOLATION OF AUTOMATIC STAY ORDER sec. XXXX XXXX XXXX, XXXX XXXX XXXX, Attorney for ; The XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX United States Bankruptcy Court XXXX District of California C/o Hon. Judge XXXX XXXX XXXX Case No. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX XXXX : VIOLATION OF BANKRUPTCY CODE 11 USC 362 AUTOMATIC STAY NOTICE GIVEN TO ALL PARTIES AND THE HON. JUDGE XXXX XXXX XXXX It is known to me that the Attorney 's of record and purported successors-in-interest ( " Claimant '' ) have conducted an unlawful foreclosure sale of the subject property in this order, on XXXX XXXX, XXXX, approximately at XXXX XXXX. ( Exhibit A ) The Debtor ( " XXXX XXXX XXXX '' ) has diligently investigated several suspicious documents which were examined by the Secretary of State of XXXX, and where rejected for " Authentication '' issues which involve ( d ) ; 1. Notary Jurisdiction 2. Illegible Seal, and 3. Signature does not correspond to the one on the acknowledgment/XXXX submitted 4. The document has not been notarized according to the appropriate California Civil and/or Government Code. 
5. Jurisdiction ( XXXX ) - Is under review for criminal investigation regarding a Complaint filed against the " Trustee Deed Upon Sale '' filer, ( " XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX '' ) for Fraudulent Conveyance of title, amongst other new findings to be announced, under the laws of XXXX and XXXX. 
This Complaint has been filed against the Parties named above, and a pending complaint against the Attorney 's as follow ; 1. XXXX XXXX XXXX 2. XXXX XXXX Upon new information from the authorities, Debtor shall keep this Court inform of their findings. 

Sincerely, XXXX XXXX XXXX XXXX XXXX EXHIBIT A MAILING LIST : XXXX Attorney General XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX Federal Bureau of Investigation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX Federal Trade Commission Reference No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I made a {$2000.00} payment with my XXXX Online account to be paid to my TD Bank Credit Card account. Paper check was delivered and deposited and cashed on XX/XX/XXXX. My card was denied on XX/XX/XXXX for nonpayment. I called and spoke with rep and they were to look into it. Meanwhile, I spoke with XXXX and was told it was sent and cashed out of my account. On XX/XX/XXXX after not hearing back from TD, had spoke with numerous reps and put on hold multiple times, asked to speak with supervisor to start Claims investigation to monies. Was told it would take 3-5 business days before I would know status. Multiple calls and reps after 5th day and again no one could figure out where monies were. Now could take 7-10 days. On XX/XX/XXXX went into XXXX TD branch and after sitting for 1 1/2 hrs to see banker, I gave them an image of check with the information from XXXX that ck had been since processed and assured that someone would look into it on Monday XX/XX/XXXX since now back office/credit card claims was closed. Never heard from anyone on Monday until I called to again check and they advised that they were going to start claim ( again ) and escalate it for investigation and it could take more days. Today XX/XX/XXXX is now past the 10th day since XX/XX/XXXX and have yet to hear where my monies maybe in the TD system. At this time I am extremely frustrated, unsatisfied, annoyed, inconvenienced, and more than concerned by how things have been handled and the amount of time I have spent on the phone to try and resolve this matter. I have multiple accounts with this bank since the day they opened and am very troubled and concerned with the safety of my monies and accounts and why a resolution has yet to be found. Meanwhile, multiple payments have bounced back and are due and I have had to make other arrangements with these accounts. And from a letter dated XX/XX/XXXX, TD is charging late fees and interest for overdue fees and will report to the credit agencies since not receiving payment. I need further assistance at this time to resolve this issue.
Product: Mortgage

We had prepared ourselves to present a modification package to Carrington Mortgage when we received a modification offer from Carrington Mortgage by a person that we believed to be an employee of Carrington Mortgage and later found that he was a *middle person whatever that means. 
What is means to us is the Person XXXX XXXX aka XXXX XXXX - office ( XXXX ) XXXX Mobile ( XXXX ) XXXX contacted us on : I am reaching out to present loan modification terms on request from Carrington, please advise if your client is interested in the terms below. 

XXXX Good faith payment XXXX Principle Balance 4 % for 40 years {$1400.00} PI $ XXXX 5 month Trial There was an agreement of {$10000.00} down payment XX/XX/XXXX, 5 payments of {$14000.00} and - {$10000.00}. after the last trial. 

He requested that the proof of funds be submitted by the end of the month. Proof was submitted. 
We submitted the proof of funds, XXXX XXXX would not respond to any e-mails or phone calls. Finally we reached him on his cell phone. All of the time wasted we could have submitted all necessary documents to qualify for a loan modification. Some type of workout. XXXX XXXX stated that it was necessary to send any documents because the offering was a stream lined modification. From XX/XX/XXXX until yesterday XX/XX/XXXX we have been anticipating a loan modification with the terms just explained in this letter. 
While in conversation with XXXX XXXX he stated that a letter of denial was sent out, no one received any letter of denial. I asked why he said he did not know. 
I called carrington Mortgage and they know very little about all that has transpired????
Product: Credit reporting or other personal consumer reports

This Account was charged off on the following date XXXX XXXX YEAR OF FIRST CHARGE OFF. Since then, this account has been repeatedly updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i had have just finished a dispute in whice i provided a diposition of the court and onceagain your company ignorewd the law and continues to be un ethical. your company and i have never been in business and you have yet to provide me something where allowed my private credit information to be shared the deposition of hthe court i just provided showed my incarsaration on XX/XX/2016 yet you violate my right, it clearly states that if i am not notified bi mail or phone and conatct most be made if not credit remark must be removed yet you ignored the court document and the public information. this is searchable so now thios will also be my notice of intecnt and i beleiev a whole year of pain and suffering is in order.
Product: Mortgage

I believe XXXX XXXX put me and wife in mortgage we couldnt afford. we end up filling bankruptcy. We are still living in the house. Now another company holds the house and they going through and filed for foreclosure. File date was XXXX XXXX i just got check from XXXX XXXX for XXXX for mistake they could have committed. i have not payed my mortgage since XXXX.
Product: Credit card

I opened a Macy 's credit card on XX/XX/XXXX. I never had any late payments for this card. In XX/XX/XXXX, Macy 's suddenly contacted me and told me that I had a late payment of {$340.00}, which was past due 180 days. I was very surprised because I did not use this card for a while. I told Macy 's that this was a fraud and it looked like someone might have stolen the info on my card and made the purchases. I asked Macy 's to provide details of my bills and the transactions for this charge ( payment of {$340.00} ). Per my request, Macy 's closed the account of my credit card. They sent me a bill statement without any details. The statement had only a total charge of {$340.00} without any details. It didn't include any details of any transactions for this payment. I kept asking Macy 's so many times to send me the details of the statement and the transactions. They never send me any details of the billing statement and transactions for this payment/charge. Macy 's kept calling me to make this payment without providing me with any details of the billing statement or transactions. Recently, I checked my credit report and I saw this charge is still on my credit report. I disputed this charge/payment with XXXX. A little over two weeks ago, I received a letter from Macy 's that my dispute was rejected without providing me any details for this. I called Macy 's immediately and they asked me to make the payment for this. I requested them to send me a billing statement and details of transactions for this again. They told me that they would send it to me. As of today, XX/XX/XXXX ( a little over two weeks ago when I requested the statement ), Macy 's still has not sent me any statement. Today, I called them and asked them why they didn't send me the statement and details of the transactions. Macy 's told me that they couldn't provide me with details of the transactions and billing statements. Then, I asked them to remove this charge from my credit report. They refused to do it and they told me that they are willing to accept the payment if I plan to make the payment. It looks like that they will remove this charge from my credit report after I make the payment. I told them that I am willing to make the payment if they can send me details of the billing statements and transactions for this charge. They refused to do that.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating XXXX  XXXX : XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.
Product: Checking or savings account

The company would let transactions go through no one I didnt have the money in and then would charge me money
Product: Student loan

I have been dealing with some issues with Navient for years now and have gotten no where. My initial problem is that there are XXXX loans on my acct that were dispersed after I graduated from college and the school has no record of them being dispersed. I have been disputing them with XXXX/Navient for years trying to get answer and they are not being helpful with providing me proof of the loans going to me. 
While looking over all the fine print and payments I have made on my acct I have discovered that since XXXX 2006, when I started to repay my loans my total balance was XXXX ( that includes XXXX dollars in loans I am disputing ) I have paid since XXXX 2006, putting them into forebarance 2 times and paying the fee upfront for that ... I have made a total of XXXX $ in payments but my total loan balance has decreased by only XXXX $ which means over XXXX has gone to interest on loans that have a 3 % interest rate. 
I am not a finance person but how can that be????? I have called Navient Consumer advocate lines and they have not returned my call or have had someone call me and tell me they would get back to me and they do not. Navient is not cooperating with this inquiry and I am sick to think that I have paid that much money over that last 10 yrs and my loans have not budged and add to that the fact that I am paying on XXXX loans I have no proof were distributed. I just want some answers and trying to deal directly with Navient is not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. This is my official statement about the crime. 

US Department of Education Fraudulent Federal Student Loan Company or Organization : US DEPT OF EDUCATION Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2500.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report i tried to dispute and was not successful with Credit Inquiries ( US DEPT OF EDUCATION ) Date XX/XX/XXXX my resolution Delete Hard inquiries XXXX, TransUnion, and XXXX
Product: Mortgage

Continued attempts to illegally foreclose and violate CFPB Mortgage Servicer rules. 

I received the attached response from Dovenmuelhle in regards to my mortgage loan. They state that I was I was sent a notice of breach on XXXX XXXX, 2015, but just five days before that on XXXX XXXX, 2015 I had sent in a payment of {$820.00} via XXXX. The following month ( XX/XX/2105 ) I sent a payment of {$640.00} via XXXX and the following month ( XXXX XXXX, 2015 ) I sent a payment of {$550.00} via XXXX. ALL payments Dovenmuehle has neglected to credit to my account as well as other payments I have paid after this. 

In this attached letter from Dovenmuehle, they state they sent me XXXX refund checks ( {$800.00}, {$700.00} and {$710.00} ) ... I only received XXXX for {$710.00}. Conveniently the ONLY check they mention a check number for is the only check that I did receive. 

I have been making payments for the past year that Dovenmuehle has not credited to my account, which is a violation of CFPB rules. I have attached proof of payment from XXXX that I made payments at the time they are claiming I had a " notice of breach. ''
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX I tried to send a friend {$100.00} that I had in my CASH APP account! Ever since that day I haven't been able to log in AT ALL or use the card provided by CASH APP! I've spoken to support multiple times and they assured me I can sign in but I am unable to ... I have a current balance of {$2500.00} in the account and I'm not able to access my money to pay my rent which is due in a few days! ... cash app support told me to just delete the app and sign back in and I did but that just allows me to create a new account and not sign in my Main account which is cash tag XXXX XXXX which is attached to phone # XXXX And email XXXX When I try to send /receive money to XXXX XXXX Cash app says there is not account with that name but when I try and create a new cash app it states that name is unavailable! This makes no sense and I demand access to my account so i can withdraw my funds Name : XXXX XXXX