23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Late last fall and into spring of this year, I was ill and was not able to work as much as I usually do thus fell behind on payments on this credit card. Additionally, when my husband went out of state for a job, he suffered very XXXX and was unable to return home for 3 months until released by the doctor there. I paid what I could each month in an effort to show the company we are serious about bringing our account up to date, and since early 2016, I have repeatedly called this company explaining our situation, even offering to send proof of our medical issues. Each time I have called, the customer service representatives demand large sums of money to be paid over the phone, do n't listen, refuse to transfer me to a supervisor despite multiple requests, tell me this company/bank has no plan for assisting a customer in catching up due to medical emergencies, that they will not temporarily suspend late fees, interest and now over-the-limit fees as due to their late fees we are over our credit limit. When I asked a customer service representative to close my account, I was told I could not close the account but that even if I could, the monthly charges for late fees ( charged when a payment is not made in full ), over-the-limit fees, and interest would continued to be added to our account on a monthly basis. The balance on our account grew each month by approximately {$120.00} in company charges. I would also note, I was told I could not close the account ; however, not long after my last request to close the account, we received a letter from the company stating they had closed the account. The current minimum payment due is over {$500.00}. Our total balance has increased to more than {$400.00} over the credit limit/around {$550.00} above the balance when we experience the loss of income due to health problems. We will never be able to pay off this card as it stands now because this company claims not to have any program in place for assisting customers in bringing their accounts current after major medical emergencies. This company has been made aware several times that we can not pay the high minimum payments yet they continue to add fees to our account. This is usury and a financial trap from which no one, apparently escapes ... ever. Of course, each time I 've called, I 've been " threatened '' that if I do n't bring the account current right then by making a large payment over the phone, our credit will be affected, which it has been as this company has reported the account delinquent yet did not bother to note the cause ... emergency medical issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXXE ) XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$2500.00} ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

my account was closed on XX/XX/XXXX by chase bank they said they would mail out my funds in XXXX business days after that and they never did they said they are checking for fraud and all my money was from investments and my jobs direct deposit along with a business I just started someone gave me some startup money to start my business directly into my account so I was investing in bitcoin and other things as well I called on XX/XX/year>, they said that on XX/XX/year>, they would have my check ready to mail out for over {$52000.00} dollars XXXX debit account letter was sent to me on XX/XX/year>, they are still looking into my account for more information since then I can hardly pay my bills and my chase credit card balance couldn't be payed on time because they have my money held up
Product: Student loan

Hi, I have graduated from this school back in XXXX of 2011 under the assumption that I would be guaranteed to get a job in my field of study. Not only did they not help me get a job on my field of study, but I am now up to my ears in student loan debt. I am stuck paying for a loan for a degree that has been rendered useless due to the school closing its doors. This loan has cause so much hardship Im not sure what to do at this point. Ive tried countless times to get a job in my field but as soon as I even mention XXXX XXXX name I seem to be XXXX balled. I am looking to wash this debt completely from my credit because I can not move forward with my life with this anchor of a debt holding me down. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$410.00} XXXX XXXX Balance : {$3600.00}
Product: Debt collection

My name is XXXX XXXX Today I received a Notice of Garnishment from XXXX XXXX XXXX # XXXX City of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , NY XXXX. 
For a judgement of {$6700.00} plus interest and fees for a total of {$11000.00} The judgment creditor is Cach, LLC.no address or telephone #. 
Also on this letter is a Company call XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, NY. XXXX XXXX # XXXX, ext XXXX On this letter they are saying that a garnishment has been filed against my paycheck. 
This is a big scam by Cach , LLC. 
XXXX XXXX XXXX XXXX and by the New York XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding late open accounts on my credit report and express my frustration with the several unsuccessful attempts to have them corrected and removed. Despite repeated efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open accounts and charge off accounts on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. With this, I am asking for your assistance to correct these accounts in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I filed my taxes with liberty tax in XXXX XXXX Virginia on XX/XX/XXXX. 
I activated my card but when my money was sent to the card Netspend had a block on my account, claiming I was ineligible for a Netspend Card. Nobody could tell me why or how I could receive my money. Finally a woman told me when my account closes on XX/XX/XXXX Netspend was mailing me a check for my refund amount. Its XX/XX/XXXX & They cant account for my money nor do they know where it is. XXXX XXXX has called them & they gave her the run around also. I have XXXX Children, we were struggling & have been since XXXX. My XXXX XXXX old son passed away, because we were struggling so terrible we couldnt even pay for a funeral. He had to be cremated, which my mother paid for. The point is Ive been begging these people for months on end, even not so nicely I feel like Im never going to see my refund, that well struggle getting back into a home forever. 
My name is XXXX XXXX, my social is XXXX My XXXX is XX/XX/XXXX The address Netspend has on file is XXXX XXXX XXXX XXXX , XXXX XXXX VA ; which they wouldnt let me change when I tried to because Im not eligible for an account my new address is XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX has permissions to send you all of the information I need. Copies, when I filed, the amount owed. Im not even sure what you guys do but I need help. 
XXXX XXXX phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit and log on for 5 months talking to countless representatives. I have submitted the requested documents proving who I am, all have all gone unanswered to resolve the problem. The verification of who I am is wrong so I can't set up an account to see my credit info or freeze or unfreeze my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I was charge an unjustified amount of interest. Applied for loan when my credit score was above XXXX. I have been a victim False advertisement or discrimination. 
I was unable to back out of deal because my credit report had already received multiple inquiries from finacial institution. 


One main financial Account number XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Transunion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX  Account Number : XXXX Date of Late Payment : XX/XX/year> Nature of Complaint : On [ XXXX XXXX XXXX XXXX XXXX XXXX ], I submitted a dispute to Transunion disputing a late payment reported by. XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I have never made a late payment to this company. 
I finished paying my loan in full. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Transunion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 at XXXX am I reported the Fraudulent use of my personal Identification and information to the XXXX XXXX Police Department. XXXX XXXX ( XXXX ) completed the report and XXXX XXXX ( XXXX ) approved the report. 

At the time of the report I was being harassed online by someone who was changing all of my username and passwords to bank accounts, XXXX, XXXX, XXXX XXXX, XXXX website builder accounts, my email address and my XXXX account. The thief started to text me with demands for me to complete in order for him to stop. 

I checked my credit and notice several accounts that I did not apply for and noticed a different social security number attached to my Equifax, and XXXX report. 

The accounts in question that still remain to be an issue are XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. 

I filled out the FTC report number XXXX and sent a copy to XXXX, XXXX, and Equifax. XXXX promptly responded to the fraud and removed the accounts in question. This complaint is against Equifax and XXXX. 

For the past 3 years I have been submitting dispute after dispute to XXXX and Equifax concerning XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. These disputes on the Equifax side keep coming back with the comments as " AMOUNT IN HIGH CREDIT IS ORIGINAL CHARGE-OFF AMOUNT. 

The dispute was for fraud and some how they keep trying to verify a debt which is not the disputed part of the claim. Apparently a computer is doing all of the work and no one is paying in attention for the past three years. 

I recently furthered my investigation into these accounts and found multiple reporting errors. XXXX reported the debt as first being delinquent on XX/XX/2019 and on XXXX XXXX 2019. They also report the account as having an available credit of $ XXXX. How can a closed charge off account report as available credit on any report. 

No accurate responses to my disputes from XXXX or Equifax. Instead I just keep getting generic computer generated responses.
Product: Debt collection

My name is very common and after my parents died I had no money, car or home.I found a job and needed a car.I went to a crooked car dealer named XXXX in XXXX Texas back in early XXXX.Told me the car was perfect no issues.I had taken the bus all the way to his company.He rushed me and changed the price on the car to get me in and out.The cluth fell out the car almost instantly after I bought it.I reached out to them and did a voluntary surrender but never missed a payment.On my credit reports they are not matching.Without my permission and after reporting incorrectly saying I had missed payments which I did not, they sold it to a company called Credit Acceptance.I did not give them permission to sell my account to a third party as well as the dates are incorrect and only all 3 credit reports its not matching up and under the Fair Debt Collection Practices Act I did not give any permission to have this sold to Credit Acceptance.I tried to reach out to the original XXXX who sold me the car but no response and this happened in XXXX.Also I keep getting updates that the balance was increased on 2 of the 3 reports but on XXXX it is closed and not increased so its false information reflecting because its been a closed account for years but now now on 2 credit reports out of nowhere its adding an increased balance for a closed account? An account thats been closed for years
Product: Mortgage

Ocwen claims it sold my house to XXXX XXXX via a foreclosure auction in XXXX XXXX. XXXX XXXX  subsequently filed an action trying to evict me in XXXX XXXX XXXX. I have been fighting them in court ever since. I have been represented in that action by XXXX XXXX XXXX XXXX since XXXX of XXXX. In XXXX of XXXX, Fannie Mae switched its counsel from XXXX XXXX to XXXX and XXXX. When XXXX became new counsel, they stated that XXXX XXXX and its servicer Ocwen were willing to evaluate me for a loan modification. They asked that I submit a Request for Mortgage Assistance package. I submitted a package with pages and pages of supporting documentation in XXXX XXXX. Over the next two months, Ocwen, through counsel requested additional documents three separate times. Each time I promptly provided them with what was requested. 

On XXXX XXXX,, my attorney received a letter from Ocwen ( which was dated XXXX XXXX, XXXX ) via email from an attorney from XXXX. The letter ( which is attached ) said that Ocwen could not offer me a loan modification because my loan was post-foreclosure. However, Ocwen and XXXX XXXX knew this all. I do not understand why they asked me to submit an entire application, and rounds of supporting documentation if they were going to deny my application for a reason they knew all along. There is absolutely no indication they ever did any sort of individualized analysis based on my income and debts. My attorney contacted the attorneys at XXXX right after she received the letter from Ocwen and told them how she did n't understand why Ocwen would say they would review me ( and ask for so many documents ) if they were going to reject me for the fact that the loan was post-foreclosure. The XXXX attorneys did not respond to her emails or voicemails. 

On XXXX XXXX, XXXX, I encountered an individual outside of my Property trying to take measurements. When I asked him why he was there, he stated that he was trying to assess the property for a pending sale. My son XXXX then discovered a listing for the Property on XXXX, which states that the Property has been under contract since an auction on XXXX XXXX, XXXX. ( I have included a copy of the listing. ) I realized all the while that Ocwen and XXXX XXXX said they were considering me for a loan modification, they were trying to sell the property. 

Ocwen 's and XXXX XXXX 's actions are all the more upsetting to me because my ex-husband and I were once offered an affordable forbearance plan ( in XXXX ) and then the former servicer ( XXXX ) kicked us out of the plan because my ex messed up a payment by a penny. I begged XXXX to let us make the proper payment and remain in the plan but they refused. Neither XXXX nor Ocwen has ever done an individualized loan modification analysis, taking into account my actual income and debts, since that point and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX Company Inquiries : 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 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 reporting or other personal consumer reports

My account with XXXX 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 those account 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. 


XXXXXXXX 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