23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a representative on the phone around XXXX XXXX about my loan and me still being in school. After I finished my class the quarter was over and the next quarter would start in 3 months are so, I contacted the loan department and inquired about why I received a letter stating that my loan was coming up for repayment status, I was advised to send in income information and in the meantime apply for a forbearance, by the representative. I applied for the forbearance she walked me through it online. I sent in my requested documents. and waited. I was sent and email stating my forbearance was approved and no payments were due. A couple of months went by and I received my credit report and found Navient on my report reporting that I missed payments for 90 days. I immediately called in and spoke with a representative about it. I was told by that XXXX that I must have missed the deadline and that it was nothing I could do, I explained to her that there was no deadline and that I had a forbearance that I was advised to do. She said I would have to send in another forbearance and apply for an income driven payment plan also to contact the credit bureau. I 'm confused as to what I did wrong? I was giving false information that lead me to have a negative item on my credit report by an agency that said they were working with me.
Product: Debt collection

This company is trying to collect {$16000.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or everhad ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with  my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Mortgage

Mr. Cooper ( Nationstar Mortgage, LLC ) website and phone systems are down since XX/XX/2023. I along with its 4 million customers are unable to logon to the website to either check our mortgage balance, pay balance, have automated payment initiated. The same is with phone systems. 
It has been 5 days with no ETS provided by the company. 
How can a stock market listed company be down with a cyber attack since 4 days. 
Why were there no safeguards to detect and prevent cyber attacks for a mortgage processor that has XXXX XXXX customer and XXXX XXXX in revenue. 
What oversight is XXXX playing to protect the customers. 
How will XXXX ensure such issues are not repeated by companies like Mr. Cooper. 
Please initiate an inquiry. 
Information on Mr. Cooper website about the cyber incident - https : //incident.mrcooperinfo.com/
Product: Credit card or prepaid card

On XX/XX/ a deposit of XXXX XXXX and XXXX XXXX dollars ( {$160.00} ) was made using my credit card to a merchant for eyeglasses. 
Another payment on XX/XX/ was final payment for another XXXX XXXX and XXXX XXXX dollars ( {$160.00} ) was made using my credit card to the merchant for eyeglasses. 
I authorized both transactions for payment ONLY. At no point in time during the transaction there was a disclaimer prior to signing. I requested a paper receipt and they told me I will get it via a text which was a link. 
The disclaimer was attached to the text. I consider this to be very deceptive business practice. 
However, the next day one of the lenses fell out and returned to store to have it replaced. I was told that I had to wait for the manager, who told that I had to come up with XXXX XXXX and XXXX XXXX dollar ( {$170.00} ) for the replacement. 
I refused to pay it because I was told if anything happened to it I should bring it back and they would take care of it. Then he said, to give him XXXX XXXX dollars ( {$72.00} ) and declined. I returned the eyeglasses to the manager. 
I filed a dispute with my bank and they issued a a chargeback temporarily. Then reinstated it to the merchant and the case is closed. I contacted dispute department and they told me that there is nothing they can do because they lost the case and Visa upheld the payment. I contacted them once more and they told me if I could get a letter from the third party eyeglasses company to say that the first one was defective, but the company did not want to provide a letter, only an invoice. 
Therefore, I should seek external resources. I contacted the FTC and the Attorney General which gave the necessary resources to contact CFPB. 
Finally, I had made a purchase for another pair of eyeglasses on XX/XX/ from another retailer and it is still functioning as it should without any defects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureau ( Transunion ) letters asking them them to verify the fraudulent items on my report. Each time they update the file stating that everything is verified correctly. My credit report is still showing inaccuracies.15 U.S.C 1681s-2 ( A ) ( 1 ) ( B ) 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( II ) the information is, in fact, inaccurate. Accounts are below and Transunion is the only CRA reporting this! 
XXXX XXXXL- Acct # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiries- XXXX XXXX XXXX 3.XXXX  4.XXXX XXXXXXXX XXXX The credit Bureau ( TRANSUNION ) stated my account was properly investigated but how is that possible if the items don't belong to me nor does the information that there reporting is accurate. Nothing about these accounts are accurately accountable to be on my credit report. This is ground for removal, they also violated my rights under 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 1681 B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( II ) the information is, in fact, inaccurate. I sent my last dispute on XX/XX/23 certified mail. Tracking # XXXX : My Attorney General in Wisconsin is involved also, they are the ones that told me to pursue litigation as they are investigating all CRA 's in my behalf. Paperwork from them will be included as well as TRANSUNIONS negligent response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XX/XX/XXXX I spoke to XXXX They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX. A Total of 15 points got pulled from my credit and this issue was NEVER Fixed. I am demanding in 30 days that " EQUIFAX '' " XXXX '' AND " XXXX '' Delete this from my records. Please see the attached Information from XXXX and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XXXX and should of been removed then, XXXX Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX " XXXX you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. XXXX Told me that they contacted XXXX, EQUIFAX AND XXXX for removal back in XXXX - They never removed this from my credit nor has XXXX Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

XXXX / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as XXXX Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX
Product: Debt collection

When living at my former home in XXXX, the electricity bills became extremely high and unsustainable. I therefore called the electricity company, XXXX, to inquire as to how I could get the bills under control. At the rate at that time, I would be forced to sell my house because we could not afford the electricity bills ( we did indeed have to sell ). The representative that I spoke with offered " budget billing ''. It was explained to me that this was a flat monthly fee. The representative at no time disclosed that I would be liable for any electricity used above that flat fee. When I later called to close the account, I was informed that I would have to pay all electricity charges above the flat monthly fee that were essentially being accrued, which resulted in a bill of over {$1500.00}! I immediately contested this as I was never informed that I would have to pay any accrued amount that would be accelerated upon closing the account. I immediately put my dispute in writing and told XXXX to contact me to resolve and I would pay an appropriate amount. Instead, they chose to send my bill to a debt collector and my credit score has dropped nearly XXXX points as a result. My dispute was in writing as required by the FDCPA, XXXX should have contacted me ( which they did not ), and my account should have never been sent to debt collection. The debt collection agency informed me that XXXX was aware of my dispute, but validated the debt even though they had failed to contact me as the consumer.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX and I have always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment. 

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family. 

I demand that the late payment reported in the specified months be removed. 

XXXXXXXX XXXX is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date.

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

Please remove the late payments from my consumer reports.
Product: Checking or savings account

Back in XXXX of 2023 my husbands Identity was stolen. We didn't find out until XXXX when we received a letter in the mail. I noticed money was missing from my account but couldn't find out where it was going. On XX/XX/2023 my husbands social security check was deposited and i always make my house payment right away and there was no money in my account it was drained and on XX/XX/2023 his social security check was taken again. Even when I would deposit deposit checks or cash it would be taken. I opened up XXXX new accounts due to this and it did not. Chase Bank did nothing about this and neither did there Fraud Department, ever time i called the fraud department they would tell me i canceled it and i would not do that when i want my money back. In XXXX we has charges on our account that we did not do because we had no money and Chase Bank made us paid for them when i could prove it. I turned it over to Detective XXXX at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX he even said it's fraud.
Product: Mortgage

We bought our home XX/XX/2019 3 months after buying our home we had a chimney fire attic fire It's Been 2 years now and we're still not back in our home and we've been in forbearance we were in forbearance and forbearance was over we filed for last mitigation application they've lost our paperwork numerous times they switched processors for us and then that that didn't follow through and then now our house is being up for foreclosure because they keep putting us with different people different paperwork and I've submitted three different applications I've tried to get them to help me in any way possible I've had to hire an attorney to find the contractor who took off with our money for the insurance so the mortgage company won't help the insurance company won't help and now as of the end of this month we have nowhere to live and I'm still trying to work out the mortgage payment So eventually we'll have a home and I'm so frustrated I don't know what else to do with XXXX Every every time you talk to somebody there or somebody different you can never get a hold of the manager you can never get a hold of your person who's supposed to be your contact person they won't give you a phone number for him I'm just I'm beyond knowing what else to do and they don't help us and I'm so afraid we're going to forclose on us. They said they sent a loan modification that we were approved of at the end of XXXX and that we XXXX XXXX  for a living so we weren't home when the paperwork came so the post office sent it back and then I asked him to resend it again and then they said they took the loan modification away from us because the house was vacant which I know it's vacant because we can't live there because it's not livable yet. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has broking the law. EXPERIAN assumed this role I never gave them permission in the first place to have my private information that's identity theft. EXPERIAN is not exercising their grave reasponabilty to insure me the consumer has fairness, impartiality and respect to the consumers privacy .EXPERIAN violated 15 usc 1681e ( A ) ( B ) ( C ) ( D ) They continue to violate the FCRA. Pursuant to 18 usc 8 I own no debt. EXPERIAN violated my consumer right to privacy pursuant to 15 usc 1681b2 EXPRIAN has no permission to report ANYTHING using my information pursuant to 15 usc 1681A. The accounts in question is XXXX XXXX ( LATE PAYMENT ) and XXXX XXXX CHILD SUPPORT ( LATE PAYMENT ) Me being the Consumer my rights have been violated and I want that late payments removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry : XXXX XX/XX/XXXX I would like to highlight the following concerns regarding this hard inquiry : XXXX. Unauthorized Inquiry : I have not given consent to XXXX XXXX, Chief Fin XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well- being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly.

Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above.

Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$3300.00}
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACT EQUIFAX  ABOUT THESE INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL EQUIFAX TO HAVE THEM REMOVED OFF MY CREDIT, WHEN I CALL THEM ABOUT THIS PROBLEM THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEEDS TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. WITH THESE UNKNOWN INQUIRY THATS NOT 

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
I want the CFPB to publish this :