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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$8900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXX XXXX XXXX, OH XXXX. I request that my current address be updated accordingly and the previous update. 

3. Employers : My current employer is XXXX. I request that my new employer, be updated as my primary.
Product: Credit reporting, credit repair services, 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. 
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 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 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 XXXX 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: Credit reporting or other personal consumer reports

I have disputed the Charged Off XXXX account currently being reported by TransUnion. After a recent complaint filed with TransUnion, they finally removed the fraudulent account from my reporting only to place it right back several weeks later. At this point I feel like TransUnion is harassing me and causing hardship. I demand they cease reporting this XXXX account # XXXX.
Product: Credit card or prepaid card

on XX/XX/XXXX I got a credit alert stating wells Fargo did a hard pull on my credit. 

on XX/XX/2023 i got a a retail store XXXX 's credit card in the Mail.
Product: Mortgage

I closed on a loan with the Mortage Company, Quicken Loans, I closed with a fixed 30yr rate set at one montly rate. I had the loan since XXXX 2016, four month an now they send me a notice, stating that my montly Loan payment amount is going to increase by {$60.00} or {$70.00} per month. added to what im paying now. I cant afford it I have XXXX kid 's to support, an pay childsupport, is n't something like that illegal, I have a fixed montly rate, my insurance has not increased, an my tax rate has not, change. I have the Loan for four months. can you please help me.
Product: Credit card or prepaid card

I was contacted on or around XXXX about potential fraud charges on my Barclay 's XXXX XXXX. At that time, I confirmed that two charges were in fact fraud. The representative stated that they would close the account, submit a fraud claim, and send me new cards. About a week later I was looking at my account ( since I had not received my cards ) and noticed additional fraud charges that posted within a day or so of the first set of fraud charges ( the additional charges total {$680.00} ). The charges are : XX/XX/XXXX : XXXX XXXXXXXX NY {$98.00} XX/XX/XXXX : XXXX XXXX NY {$160.00} XX/XX/XXXX XXXX XXXX NY {$32.00} XX/XX/XXXX XXXX XXXX NY {$44.00} XX/XX/XXXX XXXX XXXX NY {$34.00} XX/XX/XXXX XXXX XXXX XXXX FL {$310.00} I called Barclay 's and they took another fraud report and we walked through each charge that was fraud. The agent then said that they needed to close this second account and send me new cards. I frankly did not understand why this would be, as the fraud charges just appeared to have posted late. But the representative insisted that someone must have stolen my new cards. On XX/XX/XXXX Barclay 's sent me a letter saying that the charges were confirmed as fraud ( it didn't specify which charges ). By XX/XX/XXXX I received some new cards ( the cards from the first lost / stolen report ), I had not received the cards from the newest account, and the fraud charges that total {$680.00} were still on my account, with no credit issued. After an hour on the phone their was no resolution. The initial agent could not help me, besides reading me the letter, and transferred me to another agent in fraud who said they were the wrong fraud group. That agent told me I have to call back another number ( the right fraud group ), but they were only there from XXXX XXXX - XXXX XXXX., XXXX  through XXXX. He did say I should give the credits 10 - 15 days to post. Today, XXXX I called again as the charges STILL have not been removed and I STILL have not received the right new cards. It is now almost a month since I've had an account I could use and I'm being told I have to make a payment for a balance that includes the fraud charges. After being on the phone for quite a while and being put on hold about three times, I was told that the new cards must have been lost and they have to AGAIN shut down the card and send me another new set of cards. And, by the way, they don't know what's going on with the fraud claim. When processing the new cards, I was told that the system is down and I should call back in 24 - 48 hours. This is ridiculous. I should not have to jump through these hoops to get a fraud claim taken care of, I should not be held responsible for these charges, and I should not have my account effectively being unavailable for an extended timeframe without proper notice.
Product: Credit card or prepaid card

I agreed to payXXXX on XX/XX/2018. I called in XX/XX/2018 and paid it early. Days later I learned they had taken a additional payment ofXXXX. I called to resolve the error and have not been able to. They lied stating I committed fraud and closed my account further damaging my credit. I still did not receive the money back.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH 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 60 days 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 21 days before the payment due date. 


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 21 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 8
Product: Debt collection

XX/XX/XXXX called in as the kept calling over and over and even called my mother ( calls were ignored as they were constant for XXXX weeks thought it was scam call ) XX/XX/XXXX spoke with XXXX and gave name address and told him I need a letter of debt verification as I have yet to receive any notice about this assumed debt. I was told that the assumed debt was from XXXX of XXXX for the amount of XXXX from XXXX XXXX was told I would receive the letter in the mail have yet to receive it has been over 5 days XX/XX/XXXX I called XXXX XXXX and gave my name, dob, and the supposed date of non payment hospital couldnt find anything XX/XX/XXXX I have disputed the debt via credit reports
Product: Credit reporting or other personal consumer reports

I need my creditors to have a mechanism for my problem. Through no fault of my own- a systemic problem in the Virginia Employment Commission , I was not able to receive unemployment payments for 5 months. There was a class action lawsuit on this and the lawsuit resulted in an order for the VEC to be monitoredXXXX XXXX XXXX XXXX and https : //www.vec.virginia.gov/XXXX Despite monitoring the systemic problems still exist and people like me have their credit damaged or destroyed. I have been unemployed since XX/XX/XXXX of XXXXSince my work as a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX few employers were hiring people such as me. I immediately attempted to file for unemployment insurance, but both the Virginia Employment Commission website and the Virginia Employment Commission phone system were malfunctioning to the point where I could not initiate my unemployment claim. I was finally able to initiate my claim in XX/XX/2023. I was only recently ( XXXX ) been able to have a backdated claim to XX/XX/XXXX, and I have filed an appeal to have that back-dating extend back to my unemployment date of XX/XX/2023 ( with a required waiting week ). Is there any way that the CFPB can assist me in having my creditors remove my late fees and correct the reporting to the credit bureaus? I have told each creditor over and over that I am not at fault and that I would have made the minimum payments at least over these past 6 months. Please note that I had a short contract in XXXX and paid many of my monthly payments when I was paid. This is proof that I intend to pay, but that I was and have been deprived of my unemployment payments which I would have used to make these payments. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights for the amount of {$950.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Mortgage

I am attempting to close with XXXX XXXX XXXX XXXX. I have requested the us of   XXXX XXXX XXXX in XXXX Michigan to handle the loan policy being issued. The credit union is forcing me to use Transaction Title in XXXX XXXX. I do not wish to use them as it will cost me more money
Product: Credit reporting or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 
You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Product: Credit reporting or other personal consumer reports

Every time I need to log into Experian they want to send a code to my phone to verify my identity, when you click to send the code the phone rings but there is no audio code given, the number I get the call from is XXXX, today ( XX/XX/24 ) I had to call five times before a code was given. This has happened in the past as well. Something is wrong and they should address this issue.
Product: Credit reporting

XXXX, a collection agency, reported today that I have a balance to XXXX XXXX of {$160.00} and {$80.00} through Transunion and XXXX, respectively. They reported identical information XXXX to Transunion, resulting to a total balance of {$160.00}. I do n't know how they made the report to XXXX. I do n't have access to XXXX considering they are not included in XXXX XXXX reports. 
The actual balance was {$1000.00} but the way they reported it was misleading. They claimed that there was a high balance of {$920.00} and an open balance of {$80.00}. The truth of the matter is that, the account had been paid in full since XXXX XXXX, 2015 with a XXXX time payment of {$1000.00}. The said agency became fully aware of such payment when they requested copies the attached proof of payment, in which my husband faxed to them on XXXX XXXX, 2015 at XXXX XXXX. To make things worst, they also reported the same report on my husband 's credit report despite the account being under my name alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report, it has been well on 30 days and i have yet to receive any investigation results regarding this.
Product: Debt collection

senex services a collection agency put a derragatory mark on my credit reports when i called to inquire they gave me an account number and oringinal creditor info. i went to the oringinal creditor and they stated they have no account numbers to match that for me and i have a balance of zero. when i contacted senex services and asked for validation of debt he said that he didnt have it that it would take him a couple of months. I want the entry removed from my credit they never contacted me by mail or phone and was very rude when i called to inquire basic information
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I had a payment due for my credit card balance. I made the payment on the due date at around XXXX XXXX XXXX XXXX. As I was processing my payment online, I read a line that said my payment will not be posted until XXXX/XXXX/XXXX, therefore forcing me to be late. I immediately called Capitol One, spoke to an agent who said that I would be charged a late fee, and that she could not reverse that charge until it posts to my account, the next day. She instructed me to call back. I called back on XXXX/XXXX/XXXX @ XXXX ( et ). I spoke to XXXX in the customer service team, who said neither him or his supervisor had the authority to waive the {$25.00} late fee. I was transferred to a senior Account supervisor by the name of XXXX, ID # XXXX. XXXX stated that the computer did not give her the 'opportunity ' to waive the fee. I asked why, XXXX stated it just did n't give her the 'opportunity '. I then asked, under what circumstance or on what basis does the system not allow the 'opportunity ', as she called it, she gave no answer but continued to say 'it just does n't give me the opportunity '. She failed on several occasions to answer the question informatively to a consumer. I asked for a direct answer and she just refused due to her lack of knowledge on the matter. I informed her I was instructed from a representative on XXXX/XXXX/XXXX to call back and get the late fee waived of {$25.00}. XXXX gave no such concern nor emphasized with me as she robotically continued to say she could n't do anything for me in regards to waiving the late fee because the system did not allow her the 'opportunity '. I expressed my frustration and discontent with her and the company 's handling. I then politely asked for a XXXX, she refused to transfer or even provide a name or extension. Nearly 10 minutes in, she finally gave the name of a man named XXXX, ID # XXXX. then, told me that he would not help me. I again stressed to her what a former employee told me on XXXX/XXXX/XXXX. She cared none to seek proper resolution as to what I was promised by their company. The fact that capital one 'FORCES ' card holders to be late based upon a submission time of payment is outrageous. I was nearly an hour past a time, but still paid on my due date! I been with the company for a couple years now and expressed how I was looking for a one time waiver of a late fee. The company failed to enforce their prior verbal promise to me as a long time cardholder. I feel as though their representatives were resistant every step of the way to make right what was told to me, though they seen notes in my account of the same version of events I told them took place on XXXX/XXXX/XXXX. They were unsympathetic to the fact and as a long time customer, I find it disheartening. Should there be no amicable resolution from Capital One, I will look into cancelling my card soon.
Product: Consumer Loan

I have a car loan through Fifth Third Bank in XXXX, OH. I cancelled my insurance through XXXX XXXX and started using XXXX in XXXX of 2014. They did not receive the change and started adding insurance to my loan. they claim that they were sending letters but I never received them. This month they placed a repossesion order on my car for non payment of over XXXX dollars. This was when I became aware of the insurance added. I sent them the documents showing no lapse in insurance and their insurance department said a full refund had been submitted. This was on XXXX XXXX. He said it could take 7-10 days to hit collections. I then called collections to see if they could talk to the insurance department and get the repossesion order stopped because I am approved for full refund, and all they kept saying was make a payment to stop it and refused to talk to the insurance department. They refused to transfer me to the insurance department, the just continued to badger me to make a payment for something their insurance deparment had approved for refund. It has now been 7 days since the approval and the repossesion order is still out for something I do not owe.
Product: Student loan

I received many emails from Navient suggesting forbearance as a solution to my struggle to pay back student loan debt. I explained in a response that I would like to know more about income driven repayment options and was referred to a phone number to Navient customer service who said they could mail me a packet to fill out in order to apply for income based repayment. I called twice to request the packet. I still have not received said packet. I talked to someone at Navient today who said that they wo n't send out the packets anymore because of that and gave me a different contact to call to request the packet. No one has explained repayment options to me yet.
Product: Debt collection

The company is West Asset Management. They have called me several times, and each time they ask for a different person. I have been told XXXX times that they will take my number off of their list.
Product: Credit reporting or other personal consumer reports

Any credit company when applying for financing a vehicle or refinamcing, applying for an appartment, cell phone service anything that would pertain to getting a loan or credit always XXXX  denial and the letter, but never an actual reason for the denial. This has been goimg on for years, and have made, any reports for XXXX XXXX and attempted to XXXX, fraudulant charges im hopes the XXXX  be returned. NOTHING. Losing everything really XXXX. XXXX XXXX, XXXX no friends no family cant XXXX  home living XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and getting discriminated against and ripped off. People have attacked me by putting stuff in food XXXX  to make me XXXX. Reports to authorities and financial institutions havent done XXXX, XXXX failed lXXXX XXXX  failed XXXX failed NOTHING IS WORKING OR HELPING!