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

I filed a complaint about this company with the CFPB about incorrect reporting practices for stating I was late on my payment on XXXX and XXXX. I am now being retaliated against. On this day XX/XX/XXXX this agency changed my payment status from XXXX  from current to late. This was not on my previous credit report as late I was current on my payment for this month and now since I filed several reports about this company they are continuously finding ways to defame my character through my credit report. There is no reason why 10months later a payment should go from current to late under any circumstances. They are continuously retaliating against me for making a report and standing up for the law and whats right. The refuse to make my XXXX payment current instead they marked it as closed. Then they turn around and went back ten months and made a payment that was on my payment history as Current and reported it as late I will Attach these documents proving they changed a payment that was current too late which affected my credit score. As a consumer I should not be retaliated against for making a report with the CFPB. If after this report nothing else should change on my credit report from this company as if and account is Closed with no balance they should not still Be reporting. Nothing else should be reported except from them changing my XXXX payment back to current as it was from the past 10months. They are using this as a form of pay back and retaliation for being reported and if this continues I will file a lawsuit law suit.
Product: Credit reporting or other personal consumer reports

I have attempted to submit disputes on my credit report multiple times since 2023. My letters have not been responded to and my ability to submit disputes online, I do not have access to. After notifying XXXX of inaccurate information numerous times and providing proof regarding these accounts they have removed them as of XXXX. These need to be removed immediately if of my transunion account as well. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires all 3 credit bureaus to report accurate information- XXXX recently complied and removed multiple accounts and inquiries off of my credit report because it contains false information and I am actually debt free. I appreciate your prompt compliance with removing these multiple inaccurate accounts immediately off of my credit report and in return I will not require compensation for the extreme damage it has caused my livelihood. 

The accounts that need to be removed are- Region Acceptance # XXXX XXXX  XXXX The Inquires that need to be removed are- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore- XXXX will attach a screenshot showing that when I look at my credit report with transunion online it is completely blank- assuming this is more inaccurate information based off of 3rd party applications I am signed up for. Please comply immediately and remove all inaccurate information. Thank you.
Product: Checking or savings account

I tried to access my account through both mobile and online. The account does not show up, as if it doesn't exist. When I contacted AMEX I was told they are conducting maintenance but I have little confidence in this as the rep advised they can not see the account either. So basically if you have an account with them it is lost in the maintenance. I understand that maintenance is necessary, but there is no message online or in the app the account just isn't there. Also the fact that I was told they can not access doesn't give you a great deal of confidence in their product. For a company with their longevity and reputation I would expect much better. Also the rep and supervisor I spoke to were just nonchalant and like it will be back sometime, and this is happening to everyone with an account like it was no big deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX back in XX/XX/XXXX, requesting a validation of the debt owed, with no response. This company also pulled my credit report on more than one occasion in XX/XX/XXXX, without permission as this account had been closed back in XX/XX/XXXX. This company has not provided any requested documentation. Yet has reported things on my credit report, that are inaccurate that has damaged my credit report. 

The same request for validation of debt has also been sent to XXXX  and TransUnion, more than once in XX/XX/XXXX & XX/XX/XXXX with no success of getting the requested validation of the debt as being accurate.
Product: Checking or savings account

Submitted Visa dispute with bank, dispute ending XXXX on XX/XX/year>. Bank failed to issue provisional credit in the amount of {$54.00} for goods not received in violation of Regulation E, and terms of my account. 

PNC was notified XX/XX/year> that I have not received any credit, nor any documents from them requesting any additional information on the dispute
Product: Credit reporting or other personal consumer reports

I've recently checked my consumer report and notice fraudulent inquires reporting to my credit report. I under no circumstances did I authorized these inquires someone used my information in hopes to obtain credit in my name, UNDER 15 USC 1681c-2 ( a ) BLOCKOF INFORMATION RESULTING FROM IDENITY THEFT. I also filed a ftc complaint as well for fraud the report number is ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of my most recent dispute on XX/XX/2018, Equifax Credit Bureau is falsely verifying information that I have disputed with them on several occasions. I disputed the accuracy of the Chapter XXXX Bankruptcy they are reporting on my credit file. The results they keep sending are false, they are stating that the information has been verified by a third party XXXX XXXX, which is not true. They will not provide me with the date, person they spoke to, or contact person phone number as I have requested more than once. I have contacted XXXX myself and spoke to XXXX who informed me that my personal information file is frozen and will not be disclosed to anyone, such as my name, address, phone, or any public records. I have a case number and consumer number to validate XXXX XXXX is not supplying Equifax with any of the information they are reporting, and I demand them to remove any information they are claiming this company had furnished them with, or provide me with the information of the person they spoke to so that I can file complaint against them as well. 
Thank you
Product: Credit card or prepaid card

Summary : I signed up for a XXXX American Express Card for the advertised XXXX miles, but only received XXXX. 

I received an advertisement from American Express " XXXX Card, which stated that I would receive XXXX bonus miles plus a {$100.00} statement after I spend {$2000.00} within the first 3 months. 

The advertisement was within the XXXX App ( XXXX ), and I took a screenshot of the advertisement prior to signing up, then clicked a link which opened a XXXX Browser. 

One of 2 things happened in this process : 1. During the " XXXX app '' to XXXX switch, the miles reduced from XXXX to XXXX miles, and 2 very large companies had not recognized nor fixed the issue. 
2. American Express intentionally switched the values, with the hope that most consumers would let it go. 

My response from customer service at XXXX, had me contact American Express. American Express told me that I only signed up with a reward of XXXX miles, though they will investigate with a 6-8 week timeline.

***The switch from XXXX 's ad in the app, to American Express in XXXX should be the earliest American Express has, so American Express will unlikely see the XXXX App side, and the ad I responded to. 

I find it difficult to believe that 2 very large companies that regularly pump out advertisements of XXXX miles would assume I would purposefully seek an offer of XXXX miles when there isn't an advertisement for that, and will do what they can not to honor the ad.
Product: Mortgage

I have tried numerous times to discuss the pre-payment penalty with the company. I am close to losing my job and have to sell my house. There is a huge pre-payment penalty that is up in 5 months and I wanted to see if we could negotiate this. Not only that, when an inquiry into the payoff amount was made, an absurd amount was given way over the pre-payment amount. When I tried to discuss this with the company, they charged me {$25.00} for having to look into it. They now refuse to call me back to discuss it.
Product: Mortgage

My mortgage company does not hold an Escrow on my account, I pay my own taxes and insurance. I paid the property tax late a few months later Wells Fargo paid the same tax that was already paid, the county credited my tax account with that money and will not return it to Wells Fargo. Now Wells Fargo is demanding that I pay into a Escrow account that I do not want to pay into.
Product: Credit reporting or other personal consumer reports

I sent out a second letter to TransUnion asking for my inaccurate accounts to be removed due to identity theft. It been since XX/XX/year> that I filed my claim and no action was taken. I need TransUnion to resolve my issue immediately. Thanks.
Product: Debt collection

To Whom It May Concern : I am writing to file a formal complaint against Radius Global Solutions, a debt collection agency, for attempting to collect a debt that I do not owe and for reporting inaccurate information to the credit bureaus.

I have recently received several letters from Radius Global Solutions attempting to collect a debt, which I have no knowledge of and do not believe I owe. Additionally, this collection has been reported on my credit report. I dispute this debt in its entirety and have requested verification of the debt ; however, no evidence or documentation has been provided that substantiates their claim.

The collection attempt appears to be based on a disputed or outdated debt that is years old and, therefore, may be time-barred under the statute of limitations in my state. Furthermore, I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), especially in regard to reporting this inaccurate debt to the credit bureaus.

Specifically, I am requesting that the CFPB investigate the following issues : The illegality of attempting to collect on a debt that I do not owe or have any knowledge of.

The inaccurate reporting of this alleged debt on my credit report.

The failure of Radius Global Solutions to provide proper debt verification upon request.

I respectfully request that this matter be investigated, and that any unfair or illegal collection practices be addressed. I also request that the disputed debt be removed from my credit report and that Radius Global Solutions cease all collection efforts related to this matter.

Thank you for your attention to this issue. Please confirm receipt of this complaint, and feel free to contact me if you need additional information. 
XXXX XXXX
Product: Debt collection

I received a notice from a debt collector. I called the company that filed the original complaint about the unpaid debt. They confirmed that the account was opened using my social security number but that the driver 's license number was different. They recommended I file a police report for possible identity theft. My local Sherriff 's office created a case and recommended I also file a report with the SS office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a FTC report and Equifax has failed to rectify and delete the fraud items from my report.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report and emails I seen that my credit report was pulled for a personal loan adding an Inquiry from XXXX XXXX on XX/XX/XXXX. This was not done by me. This is an unauthorized inquiry. 

The following inquiry is XXXX XXXX XX/XX/XXXXXXXX  This was not done me.
Product: Credit card or prepaid card

I had this Lowe 's card and I've always paid it on time and never was late. When I went in to charge materials, I did not know they were putting it on some type of deferment plan. 
During COVID-19, the XXXX I was working at for twenty eight years closed and as of this date, has not re-opened. Then in XXXX of last, year I was XXXX and had tremendous medical bills due to XXXX and XXXX. I was finally able to find a job paying me half of what I was making. Even so, I was still able to pay Lowes but all of a sudden, I was getting bills with $ XXXX monthly payments due to these deferments that I did not know I had. I contacted them numerous times for a need to find some way to extend that payoff period and reduce their monthly payments. The girl I talked to over the phone/chat said I agreed to the deferment at the check out but that's sneaky because I had no idea. This is unscrupulous and sneaky as anything. Now the bill is so out of whack I don't know what to do. I sent them a letter to talk to my wife as I can not use the phone at the job I now have. I am a new hire and don't want to start that kind of thing while I should be working. They emailed me and I again asked for some kind of no interest deferment but I was ignored by Lowes. I need help
Product: Student loan

XXXX XXXX XXXX I requested a payoff and was told that there higher fee 's paying off a loan. It seems the loan went up if it was to be paid off early. the interest is 5.750 % The servicing of the it seems no true owner of the loan.
Product: Debt collection

Sent out disputes letters and debt validation letter, no response was made. I tried to have them verify the debt over the phone and they ask me for my information when they already supposed to have that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account -XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX Account -XXXX  # XXXX has violated my rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any purpose
Product: Debt collection

XXXX XXXX XXXX CALLS DAILY TRYING TO COLLECT ON A LOAN I DID NOT AGREE. RISE HAD ALL MY CURRENT INFORMATION FOR A PREVIOUS LOAN THAT I HAD AND PAID OFF WITH THEM. I HAVE ASK THE COMPANY TO SHOW ME WHERE I AGREED WITH SIGNTURE TO THE NEW LOAN TERMS. THEY HAVE SENT ME ONLINE CONTRACT DOCUMENTS. I NO LONGER HAVE THE ACCOUNT THEY CLAIM THEY SENT THE MONEY TO. I AM UNSURE HOW I WOULD EVEN BE ABLE TO RECIEVE THE FUNDS. THEY HAVE TWO DIFFERENT ACCOUNT NUMBERS REPORTING ON MY CREDIT FOR THE SAME AMOUNT BUT DIFFERENT REASONS. ACCT # XXXX SHOWS A HIGH BALANCE OF {$2000.00} AND A PAYMENT STATUS AS LATE. ACCT # XXXX SHOWS A PAYEMNT STATUS AS LATE AND CHARGED OFF AS BAD DEBT WITH A BALANCE OF {$2000.00}. AS ANYONE IT IS AGAINST THE LAW TO HAVE TWO ACCOUNTS REPORTING TO THE CREDIT AGENGIES FOR ONE ACCOUNT.
Product: Credit reporting or other personal consumer reports

I mailed a dispute letter to TransUnion on XX/XX/XXXX and never received a response within the 30 day time frame. I called TransUnion on XX/XX/XXXX, well over 30 days, and they told me over the phone the status of the investigation. I also demanded that they remove the items on my credit report because I never got a response or a status update of the investigation, and by law they are required to remove these items. I was talking to the agent and asked her questions as to why they refuse remove the items and she was not clear with her answers and continued to refuse my request. She eventually said that a manager will call me, I have not received a call. 

I also called XXXX, and they also refused to remove items from my credit report. They claimed that they have not received any documents, even though I sent the documents via certified mail. The agent tried to tell me that I sent it to the wrong address, even though the address on the website is the address I sent to for disputes. The addresses she tried to tell me are not on the website.
Product: Debt collection

on XX/XX/year> i asked Pro Collect for a debt validation letter and for the rights for them to collect on this debt as of XXXX. I havent received the letter. I have also have disputed this debt.
Product: Mortgage

I did get a message from XXXX XXXX in my voice mail on XX/XX/2019 she says she appreciates all the additional data she got from me on my last long message i sent through on Wells Fargo site and she is going to forward the additional i sent through. 
I told her i went through a lawyer and nothing happened. I told her through lawyer i sent 33 pages the first time, later bank statements, IRS statement ( got no return money. 
The big thing was that XXXX XXXX said nothing could be done as i did not pay the {$1000.00} for 2 months? if i had did that they would have considered a lower payment. He said that is why nothing happened. My lawyer told me not do do that as i did not have the money. 
I was working hard to pay on lights, gas, medicine as i am XXXX. 
I have begged every week or 2 for them to let me start paying ASAP, I have always paid my bills just ran out of money in savings. Still owe over {$10000.00} in credit card debt.I pay min plus om both cards every month.
Product: Money transfer, virtual currency, or money service

Hello CFBP, My name is XXXX. I have a serious issue with Venmo. On XX/XX/2021 XXXX XXXX Mountain Time {$1400.00} was sent to me from my other account using my XXXX XXXX card. 

I tried to transfer the money but it wouldn't let me so I waited till XX/XX/2021 to email a ticket notifying them to unfreeze my account. I was contacted by customer service agent named XXXX XXXX on XXXX XXXX at XXXX XXXX  Mountain Time who forwarded my ticked to someone named XXXX XXXX an Account Specialist. 

On XX/XX/2021, XXXX XXXX emailed me to send them my ID and bank statements to prove to them that the card itself was mine and under my name. I sent them my ID and bank statement around XXXX XXXX Mountain time the same day. 

On XX/XX/2021 XXXX XXXX emailed me mentioning he has permanently deactivated my account even though everything I sent to him was valid. I emailed him back around XXXX XXXX Mountain Time mentioning I could provide more info to verify that the card was mine. I even offered my own social security and birth certificate. In the email he mentioned I violated one on of their policies and didn't clearly say what policy. The communication from him was very unprofessional and not informational. In the email it mentions they would be holding my funds for 180 days which is awful when I am in desperate need for the funds. I need the funds in order to pay my bills and utilities. Holding my funds for 180 days almost sounds like tyranny in my opinion. 

I've have been trying to get a new account specialist to look at my account and trying to get it unfrozen but Venmo seems to be ignoring my tickets. I desperately need my funds in order to pay my bills and other things in my life. I have also read on the web that they are doing this to many other people who are in need as well especially in this pandemic. 

CFBP if you could please help me get this issue fixed, I am in huge need for a resolution to the unprofessional work Venmo has done to me. 

In the following documents I will provide proof of my complaint.
Product: Credit card or prepaid card

I cancel my credit card account with Macy 's in XX/XX/2019 with credit card limit of {$4700.00}. After I cancel my account with Macy 's they lower my account limit so I would be over my account limit and charge me outrages interest on my account. i never was late on the account.
Product: Debt collection

Credit collections Services is reporting this as collection on XXXX and XXXX I have disputed and asked for the debt validation as i have no knowledge of this and never requested any services nor made any agreement with them. 
I have requested in writing that they cease and decease 's all communication regarding this fraudulent account. 

15 USC 1692C ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication. 
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Credit reporting, credit repair services, or other personal consumer reports

My account ( # XXXX ) with Specialized Loan Servicing ( SLS ) has been positive with no late payments for well over two years since early XXXX. In XX/XX/XXXX, I obtained a written payoff quote of {$2300.00}. 

On XX/XX/XXXX, I made two payments - one electronic payment via their website in the amount of {$1700.00} and I mailed a certified cashier 's check to their office in the amount of {$600.00}. The electronic payment posted to my account within 24 hours and the check payment posted XX/XX/XXXX. 

On or about XX/XX/XXXX, SLS reported my account as delinquent for the month of XX/XX/XXXX. This inaccurate reporting has resulted in negative marks on my credit files with the three major credit reporting bureaus and caused my XXXX credit score to drop over 50 points. 

PLEASE HELP ME! I am due to close on a new home on XX/XX/XXXX and this inaccurate reporting will likely cause me to be denied approval of my new home and mortgage. Their representatives have been quite difficult to work with so I am seeking your intervention and guidance. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has again reported false information to my report. XXXX XXXX XXXX account is an installment loan and Equifax has it as a revolving line of credit. It is an auto loan not a line of credit. Also the monthly payment is wrong. My monthly payment is XXXX. I have been in direct contact with the credit reporting department of XXXX XXXX XXXX for XXXX months now. they did not report this account this way.