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

I am writing to follow up on my CFPB complaint number XXXX filed XX/XX/year> in which I requested that you provide a copy of the approved purchase agreement and proof of ownership of the account in question. As of today, you have failed to supply the requested documents, which is a violation of federal and state law. 
Under both the Fair Credit Reporting Act ( FCRA ) and relevant state laws, I have the right to request this information to ensure that the account on my credit report is accurate and legitimate. Your failure to provide the required documentation violates my rights as a consumer. 
I kindly request that you respond promptly to this matter by providing the requested information. Failure to do so will leave me with no choice but to escalate this further with the appropriate legal authorities. 
Thank you for your attention to this important matter. I expect a timely response and resolution. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX Social Security number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding XXXX Data Breach Lawsuit Settlement Dear CFPB Representatives, I am writing to express my dissatisfaction with the handling and outcomes of the XXXX data breach lawsuit settlement. As a consumer directly affected by this breach, I feel that XXXX has failed to adequately address the damage caused and has not provided appropriate restitution to those impacted. 

XXXX negligence in safeguarding sensitive personal data exposed millions of consumers, including myself, to identity theft and financial fraud risks. Despite their admitted responsibility for the breach, the settlement process has been deeply disappointing for the following reasons : 1. Insufficient Compensation : The cash payouts offered are inadequate compared to the financial and emotional harm caused by the breach. Many consumers have reported receiving minimal compensation despite experiencing significant disruption to their lives.

2. Delays in Processing Claims : The settlement process has been fraught with delays, leaving consumers uncertain about the status of their claims and any potential resolutions. 
3. Lack of Accountability : XXXX ongoing operations appear unaffected, raising concerns about the companys accountability for the breach and whether sufficient measures have been implemented to prevent future incidents. 

As the agency responsible for ensuring fairness and transparency in consumer financial matters, I urge the CFPB to hold XXXX accountable for its actions and reassess the settlement process to ensure it truly addresses the harm inflicted upon consumers. 

I kindly request that the CFPB investigate these concerns and take steps to enforce stricter penalties and oversight for companies that compromise consumer trust and security. Additionally, I would appreciate any guidance or updates regarding my individual claim and the settlement process. 

Thank you for your attention to this matter. I look forward to your response and hope that steps will be taken to address these ongoing issues. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

A month ago in my home buying process I was told about an unpaid debt after my credit report was pulled. 

In an effort to ensure I repaired the credit, I contacted Possible Finance through phone, email, and their app to pay off this debt. 

Since I began this process I have asked for a phone call. They called XXXX time too early and then on all other suggested call times they have not replied, They only communicate via email and each email has taken several days to get back to me and none of them have answered my questions or solved the problem despite stating it every time- just looking to pay off my debt. 

It is seemingly discriminatory but we are at a month of me trying to just pay off a debt, finally was able to get my bank in to their system trouble shooting on my own as none of them can get back to me on problems despite screenshots and ample asks, and they still ask me questions about my account I have sent several messages explaining urgency, explaining they can just charge the account explaining their systems is down. And the latest email sent XXXX  days ago was when is an exact time we can call. Responded with any day any time and still no call. They have no customer service hotline and emails are taking forever to reply to therefore I am finding a huge barrier to just paying off my debt which in turn has led to more negative marks on my credit report. 

If we go back historically I didnt even know I still owed as had to switch my bank account number due to security reasons several years ago they never send anything to tell me I owed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report provided by Experian. On XX/XX/XXXX, I contacted Experian regarding the following discrepancies in my credit report. Despite the lapse of time, I have not received any response from Experian. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the inaccurate information and required corrections are as follows : 1. Account with XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} Please remove this account from my credit report as it does not belong to me. 

2. Account with XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$430.00} Please remove this account from my credit report as it does not belong to me. 

3. Account with XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Please remove this account from my credit report as it does not belong to me. 

4. Account with XXXX XXXX ( never late ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1200.00} Please correct/update this inaccurate information on my credit report as the account was never late. 

5. Account with XXXX XXXX XXXX ( never late ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$25000.00} Please correct/update this inaccurate information on my credit report as the account was never late. 

6. Account with XXXX XXXX ( never late ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please correct/update this inaccurate information on my credit report as the account was never late.
Product: Debt collection

I have reached out for more information about this alleged account to include the 1099 considering it is listed as a charge off. Please stop ignoring me and provide the 1099 for this charge-off or at least tell me if there was one done. Also if this alleged debt was sold provide that information as well. You have several alleged accounts for me under Synchrony and I need this info for and all. 
THIS IS ALLEGEDLY XXXXXXXX XXXX ACCOUNT
Product: Checking or savings account

To whom it may concern, I had been a Chase customer for 2 years and done everything correctly and justly.
Then, after depositing a variety of checks in to my business account, Chase simply informed me by mail that they are closing all of my accounts, both business and personal.
We tried to get a reason for the closures, but they would not give any, nor was there anything I could do about it. 

As far as I know, there was nothing wrong with my banking activities. 

Please let me know what I can do to get my accounts and/or standing back to normal. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires listed below on my TRANSUNION credit report are unauthorized and unverified. I did not give these creditors my permission to access my report, therefore I would like these unverified and unauthorized inquires removed from my report as soon as possible. 
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: Checking or savings account

On Monday XX/XX/XXXX I noticed four unauthorized debit charges to my checking account ending in XXXX. One charge was for XXXX for {$100.00}, XXXX {$100.00}, XXXX {$100.00}, and XXXX {$10.00}. My card has always been in my possession. I filed a police report that evening. 

The person I spoke to said that they would file a dispute for the three XXXX charges. She said I would have to call back the next day to file a dispute on XXXX because I have used that service before. 

I call back the next day XX/XX/XXXX. The women I spoke with said she saw an XXXX charge for {$100.00} and not {$100.00} so she was filling a dispute for that charge. 

The next day U.S. Bank charged me seven overdraft charges for {$36.00} each. That is {$250.00}. 

I turned off all overdraft protections from all accounts at U.S. Bank. 

I called U.S. bank on XX/XX/2023 with still a negative account. Nothing heard back from U.S. about these fraudulent charges. The women I spoke to left a message for them. But she did not know the status of the dispute. 

This morning XX/XX/2023 U.S. bank took {$400.00} out of another checking account I have XXXX and transferred it to XXXX. I have overdraft turned off so this should have never have occurred. 

Now U.S. Bank has drawn XXXX negative. They took away the only working checking account we have by drawing that one negative now. 

We are a family of five and have gone a week without being able to purchase basic needs. Now the access to both of our checking accounts and essentially blocked by U.S. Bank by drawing both accounts negative. We are not able to purchase gas or groceries now for a family of five for almost one full week going on who knows how long. 

I called U.S. Bank this morning XX/XX/2023 and the woman on the phone could not reverse that transfer. I have to call the fraud line and they don't open for another 2-3 hours. 

This was not handled right. U.S. Bank should have stopped all overdrafts. They should offer provisional credit for people while the fraud is being investigated. This should take almost a week to get figured out. It isn't right to block people from using their own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON MY XXXX  XXXX, XXXX XXXX, XXXX XXXX, AND XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Student loan

I have been in contact with my private student loan lender Discover Student Loans several times since XXXX 2014 to try and make my monthly payment more feasible so I can afford to live. I have been told to either use forbearance or default my loans and that they can not help me. They want me to pay nearly {$700.00} a month, while trying to live and pay other bills. I also have federal loans that are in non repayment right now until I can get something resolved with Discover and be able to afford to repay my loans. I am willing to work overtime to pay Discover a settled amount every month so everyone is happy they are getting money. But, Discover will not work with me to make it to where I can live and afford my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report shows that I have good score and excellent payment history, However I always got denied for credit cards when the creditor runs my credit report, I have some credit cards with some banks I had them for 2 years and my payment history is great however my credit score doesnt grow even I have been using my credit cards responsibly and paying on time and never been late at the last 2 years, My XXXX  credit report doesnt show my payment history Also I have accounts went for collection that I have paid it already and still shows as I owe them money, such as XXXX XXXX, XXXX XXXX  XXXX XXXX credit card I need your help as I need to know what is going on my credit report when I check my credit score it shows that I have a score of XXXX Which a good score however the collection still shows on my reports despite I have paid already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried correcting information with two separate companies XXXX and Transunion. 

Transunion corrected one of my errors but left the other in tact. Since then I have tried making contact with them multiple times, but every time their systems are " down '' and they ca n't process my request. These error need to be fixed but this company shows no interest in upholding their legal responsibility in this matter. 

As for XXXX, their systems have refused to verify my identity. The free credit report they provide does not contain information that they require to file a dispute. I have tried multiple avenues of filing a dispute only to run into an unnecessary roadblock along the way. I believe XXXX is not upholding it 's legal responsibility to consumers by making their system impossible to navigate.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX Balance : {$8800.00} U S DEPT OF EDXXXX XXXX Balance : {$2600.00} U S DEPT OF EDXXXX XXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

This account was never late. The account transferred to a new mortgage company. 
The old mortgage company sold/transferred account. The payments went to the new company and the old company reported XXXX late payments in error. 
The new payment history with new company shows XXXX yrs of on time never late payments. 
the old closed mortgage ( XXXX ) account needs to update the status to CLOSED/NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry were not authorized by me. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Mortgage

I began to purchase a house and applied for a mortgage with a lender I was satisfied with on Monday, XXXX. 

On Wednesday, XXXX, I began receiving text messages from XXXX XXXX falsely claiming I applied to them for a mortgage, and whether I would like to continue the process. 

I had no preexisting business with XXXX, I had never applied to XXXX lending. The agents lies confused me and almost caused me to believe XXXX was the company affiliated with my lender. 

I informed the agent, XXXX, that I did not want to do business with XXXX and would not want to. 

Days later the predatory agent continues to send messages to my phone, disregarding both my initial request to leave me alone and subsequent requests.
Product: Credit card or prepaid card

We purchased airline tickets in XXXX for a trip to XXXX on XX/XX/2022. Bank of America is refusing to dispute the charges for two abruptly cancelled flights on XX/XX/XXXX and XXXX, stating that they are bound by an FTC rule limiting cc disputes to 120 days from the time of purchase. While this may make sense for many purchases, it clearly makes no sense for airline tickets which are most often purchased many months ahead of travel. Disputing these charges for flights cancelled without any notification or alternatives is one of our only remaining avenues, as the airlines have not responded to repeated emails, calls, complaints to the XXXX, or even to letters to their home offices. The airlines are XXXX and XXXX  ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency has violated my consumer rights under the fair Credit Reporting Act. Specifically 15 USC 1666 B, other violations are shown in the screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my XXXX credit report shows an inquiry from a company I have no recollection of ever doing business with. I did not submit my information to have my credit Ran & I am so upset right now. The company name is XXXXCROSSCOUNTRY MORTGA on XXXX. I am very selective of my credit being ran & I have no need for it to be run as I have everything that I need. Hopefully this company doesnt do this to others as its not right.
Product: Mortgage

I have already filed a complaint against Caliber Home Loans # XXXX but again feel it is necessary to file another complaint for red-lining. In the 21st century in the year 2020, I sincerely believe this particular underwriter has worked relentlessly to find every reason under the sun to deny me due process for this loan approval and this is a discriminatory racially motivated action. I have worked tirelessly with Caliber Home Loans in an attempt to provide all of the requested documentation to comply with the underwriter 's stipulations for loan approval to no avail. After giving all documentation from the beginning of this second process to receive approval to move forward with the loan based on having 30 days of paycheck stubs and now in the tenth hour, she has again come back to the loan consultant with a final decision saying I could not use my current income to qualify for this loan and can only get approval with a co-signer. How can this be possible that current/future income can not be used is beyond belief. I was told that my past income could be used for the loan but not my current/future income and this makes no sense because my mortgage payments would be based on what I am receiving now not the past income. I need a detailed written explanation of why everything I did was further exacerbated to the point of denial. The impact of hardship that this company has placed on me can not adequately be explained. I am pregnant nearing delivery and the stress of all of this has had a direct impact on my health as well. I have spent unrecoverable money, have no current place to live at the end of XXXX, not to mention the time involved to go through this process is ridiculous. This company should be investigated for what is happening. How many others have experienced this type of treatment. I will not let this go and work just as hard to expose this type of process so others may not have this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am writing to dispute the derogatory credit mark made against me by XXXX XXXX XXXX. XXXX XXXX received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from XXXX XXXX claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called XXXX XXXX customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per XXXX XXXX XXXX policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on XXXX XXXX XXXX part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. XXXX XXXX XXXX lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, XXXX XXXX processed it as principal-only, unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim if Identity Theft all of my information including my address, phone number, email addresses, social security number, bank account information, along with other personal information have been compromised.My personal information has also been exposed to an Equifax data Breach and also a XXXX  data breach. My personal information has also been exposed on the dark web.There are several inquiries and accounts that i am not responsible for.The accounts that i am responsible for have been Greatly affected by this situation including several of my personal accounts in which i pay bills with.According to the Fair Credit Reporting Act it is within my rights to dispute any Incorrect information or derogatory remarks including Late payments.I have tried to settle this matter with several companies because it has greatly affected my family and i during this pandemic.
Product: Debt collection

I mailed them a letter certified asking for a copy of the original contract with my signature to confirm if it is my debt. I haven't received anything from the company. This is not a debt owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX