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

To XXXX XXXX of Mr. COOPER and calls answered by night as Nation star and that you responded to my complaint of loan no. XXXX in an email dated XX/XX/21 at XXXX unfairly to me. First, prior to our phone discussion that I had already called your company several times and by giving my identifiers to them about my loan above. They all confirmed it was my loan but said that there were no property attached. Then I spoke to you whom promised to research and provide details from the papers I faxed to you and please share those papers with the CFPB. After you received my papers and I called everyone started saying the loan number did not exist in your system. Then you sent to me, BELOW, Hi XXXX, This document explains that prop was purchased in another name of another through XXXX XXXX. 

I would call XXXX XXXX as we no longer have anything to do with this loan. 

Mr. XXXX you promised me to be straight and honest with me about the Fraud you now know is exactly what your looking at and trying to conceal it. I demand that you reveal all factual evidence to the CFPB so that they can deal with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

Deliquient mark showed up in XXXX and not XXXX, this proves inaccuracies in their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a ftc report fcra,609 forms to equifax which they have not taken care of correctly! 
Fraud accounts, inquiries I never obtained used or owed or even paid because they were never mine they have not taken off. 
XXXX XXXX needs to be removed completely I never had a collection And I never paid XXXX they are lying I do not have any account with them. Equifax deleted the collection account on XX/XX/XXXX and then put it back on my report. 4 days later! THAT IS ILLEGAL and I have grounds to sue equifax for doing that! 

It needs to be deleted. 

My inquiries are not authorized These I requested to be deleted as well and they did not. I didnt give permission or even contacted these people XXXX XXXX, XXXX XXXX XXXX XXXX  Names needing to be removed that dont even exist are not mine Also the address Address I sent in
Product: Student loan

The student loan service provider for XXXX XXXX XXXX XXXX XXXX, University Accounting Services " upgraded '' their site a few months ago. Before their site was XXXX and now it is XXXX. The old site looked about the same and ran very fast. The issue I've been dealing with is that they have put absolutely no effort into making sure that this new site runs properly. Pages consistently take more than 10 seconds to load, if they do at all. And most importantly, I can't download any of my statements or tax documents. I can't file my taxes because I can't access the document via their website. 

I'm a software engineer, so I am well aware of how these sites work. My internet connection is about 400mbps, so I'm sure it's an issue on their end. Their use-case is not that complicated or computation-expensive. There is absolutely no excuse for their website to run this slowly. They need to invest some of the interest they're making on my education into at least using more servers. I am filing this because this issue has been going on for months with this company and they have done nothing to fix the issue.
Product: Credit card

Again chase has acted against the best interest of a customer even in the light of evidence I requested that Chase review some merchandise that was not delivered to me. 
The sent me a note saying that the items were delivered despite my assertions to the contrarry and denied my requests for proof. 
I then supplied a tracking number that isnt mine but was provided by the seller USPS XXXX again notifying them this item, which happened to represent the most expensive of the disputes ( XXXX ) and they ignored my correspondence and denied receiving it. 
I need to have the XXXX ( XXXX/XXXX/16 ), XXXX ( XXXX/XXXX/16 ), XXXX ( XXXX/XXXX/16 ) and XXXX ( XXXX/XXXX/16 ) refunded to my card ending in XXXX. If they choose to dispute these claims then show me the item was delievered to me in XXXX, especially the XXXX. I am 100 % confident they cant for the XXXX charge and I never received tracking information from the sellers on the other charges. 
Chase needs to grant my request for refund and documentation
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to call citicard support. Also they have no email to access them. I believe what Citicard did is not fair to me as a creditor. I had credit line of {$14000.00}. My wife made a mistake one time and sent the payment a few days late. Yes, it was our mistake. We have been paying down all of our accounts. I have worked every day through out the whole coronavirus epidemic. Paid all of my credit cards down. Citicard dropped my available balance to what I owe them. Crushing my credit score. I would have a higher credit score if I filed bankruptcy on them. Total XXXX, time for someone to protect the creditors from lenders. This is almost the same as predatory home loan lenders did years ago. My credit score should be around XXXX Who let 's these lenders do what they do to creditors. I will be come full force on this issues. I will seek local and national legislation to fix the system and credit bureau. If I do not pay my bill fine, but everyone I owe gets PAID. 
Time that someone looks out for creditors or it will end up being another class action lawsuit against the banks. 
I have a buddy that filed bankruptcy 2 months ago for the 2nd time and has a credit score higher than mine. I should file, they would get nothing. I am a proud Veteran that has always paid my Bill 's and debt. Tired of large corporate banks taking advantage of the little people.
Product: Money transfer, virtual currency, or money service

My information was breached when I was XXXX  my iXXXX XXXX is XXXX XXXX I would like more information on how to get compensated for the loss that I have taken I know that is a lawsuit out I just don't know how to begin filling out the paperwork.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I notice an account on my credit report listed as XXXX XXXX Account number XXXX, I immediately contacted the company provided my information but nothing was found. The represented said they would open an investigation that could take XXXX days. This account was open via XXXX XXXX this is not my account and I demand that this account along with the late payment associated be removed. I've contacted the company and Experian this account needs to be removed due to identity theft. 
Under these laws 15 U.S. Code 1681c2 ( a- - Block of information resulting from XXXX XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S Code 6802 15 U.S. Code 1666a - Regulation of credit reports In demand that this account is removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REOPEN A COMPLAINTS THAT I HAVE ALREADY FILED WITH YOU AND I WASN'T ABLE TO RESPOND TO YOUR REQUEST FOR MORE INFORMATION BECAUSE I WAS IN THE XXXX BECAUSE I HAD A TEMPORARY MENTAL BREAKDOWN DUE TO THE IDENTITY THEFT THAT THE COMPANY 'S In questioning what's in my complaint that I submitted back in XX/XX/2022 my identity was sold in all my money was the XXXX all the banks that I mentioned in my complaint has not resolved this issue and the company that I paid to protect my identity and my bank accounts liked to me and told me that my bank account apps in my phone apps and everything that has to do with my business was safe and which it want to be open this complaint and get Justice and get all the money that was stolen for me I ended up having a mental breakdown and been put in a XXXX I have to have XXXX XXXX and I still haven't received any help or anything about my identity information stolen and it is at the point of this SERIOUS situation I have to change my Social Security number and I have been homeless since this SERIOUS incident happened to me and I have found out that XXXX XXXX Credit Card Department let hackers submit over 28 to 30 credit card applications and XXXX XXXXXXXX gave theses hackers 2 credit cards in my name and Social Security number and they have USED them and maxed them out and this situation has messed up my credit score and my whole entire credit report and I have repeatedly reached out to everyone in questioning and let them know that my identity information was stolen and being sold on the dark web sites and they ignored it and all three credit bureaus didn't notify me of all the fraudulent activities that were posted on my credit report because they were asking me to pay them XXXX dollars per month and I did until they had DATA BREACHES them selves and they didn't notify me about all the fraudulent activities or the banking companies that I used for my banking accounts and for my BUSINESS THAT I was trying to START up by saving my money and saving money for my daughter TRUST FUND and grandchildren TRUST funds accounts and emergency IRA accounts for EMERGENCY situations were all stolen and I REALLY need YOUR help PLEASE THANK YOU
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 me 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 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
Product: Credit reporting or other personal consumer reports

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Mortgage

XX/XX/2021 I have previously filed a complaint regarding this company. They are in receipt of my refund from The XXXX County Tax Assessors Office due to the fact that the company overcharged me for ESCROW. This has been a back and forth situation since XX/XX/2021 with this company. I spoke with a Supervisor XXXX XXXX, She hung up the telephone on me and did not call back. They continue giving various excuses for not issuing my refund in an expedient manner. I am requesting assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account XXXX XXXX XXXX ... account number XXXX
Product: Debt collection

Aargon collection agen is asking me to pay a debt I have no idea what it is and Ive never purchased or associated with them. Its hurting my credit and I just want it fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to the Wells Fargo XXXX ranging from XXXX XXXX to XXXX XXXX to inform them they were reporting inaccurate information on my credit file. 

The account is reporting late from XXXX XXXX to XXXX XXXX ( inaccurate ) and the account is also reporting as open when in fact it has been closed for almost a year. 
Upon contacting the company multiple times to dispute the information they also send a letter back asking me to send more information for them to continue the investigation. 

According to the FCRA inaccurate information must be updated or deleted from credit files ; however, they are not complying and constantly sending back letters asking me to send copies of my credit report along with more information which I have done and upon doing so I get the same response over and over.
Product: Credit card

XXXX credit card. I use this card to buy a XXXX last XXXX XXXX $ in XXXX. When I pay it use this card, I choose 6 month no interest, buy I keep minimal payment each month. After 6 months I send a check XXXX $ pay out all expense, but it come out late fee on my statement every month, till XXXX $ last statement after wife write a check pay another XXXX {$.00} 50 {$.00} XXXX $ total more than XXXX {$.00} because she just following the statement wrote another check payout all balance. This month, the statement come to my hand, I found this mis-statement with another 187 {$.00} they still keep count late fee and interest on 0 spend and o balance. the XXXX $ was count from my XXXX purchase plus late fees and interest from every month that should not charge ( I did 6 month no interest with minimal payment plus payout check XXXX $ ), but they just simply ignore all payment even over paid. I just want them to pay me back and close my account, and ask you to do an investigation to shut down their business in case they continue to steal money from people.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 separate applications were submitted under my name that I did not authorize. One was on XX/XX/XXXX and the other was on XX/XX/XXXX. I was alerted to the submissions by credit monitoring that I have. I submitted a dispute on the first one on XX/XX/XXXX, then put a freeze on my credit on XX/XX/XXXX at Experian. I put credit freezes at XXXX and XXXX on XX/XX/XXXX, then a fraud alert on my account at Experian on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score drastically. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

i contacted ERC on X/X/2018 to find where the debt was coming from and they couldnt find anything that supported the reference number i provided. they also searched by phone numbers, address, and social and got no results. i have no knowledge of any amounts of to a XXXX XXXX in the amount of {$330.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use Equifax, as well as XXXX and XXXX, to periodically check my credit report. In the last few days, improper IT security measures at Equifax led to their systems being " hacked '' and 143 million US customers ' information being leaked. This includes social security numbers, and poses an increased risk of identity theft. This happened in the first week of XXXX 2017.
I have placed a 90-day Fraud Alert on my credit report, however, I believe this hack was the result of insufficient and inadequate cybersecurity processes used by Equifax. If companies continue to neglect their cybersecurity, and continue to under-invest in what is an increasingly important and critical part of a company 's ( and democracy 's! ) infrastructure, then we will have increasing and more dangerous hacks.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S Bank will not remove me from XXXX XXXX XXXX. I had a over drawn account with US Bank back in XXXX of 2017. The over drawn amount was removed from another account I had with US Bank and the negative balance was paid in full. In the amount of XXXX on XXXX XXXX 2017. Even after the account was paid in full they have not removed me from XXXX XXXX XXXX. I have tried on two separate occasions to set up new accounts with other banks and have been declined because Im still listed on XXXX XXXX XXXX  owing US Bank money. Ive called, sent emails. Got nothing but the run around and nothing accomplished.
Product: Debt collection

I disputed the account several times by stating validation that I signed paper work with your company to show a collection on my account. I faxed over a letter asking them to remove it and she stated that the letter just goes in a file and this was submitted by XXXX XXXX XXXX. I told her that this should have been reported by XXXX XXXX XXXX and not there company. South West credit system in the amount of {$780.00}.
Product: Debt collection

I am a victim of identity theft and I never opened this account. 
Please remove this inaccurate information from my credit report.
Product: Mortgage

When with GMAC as our mortgage provider, we were contacted by XXXX XXXX ( affiliated with OCWEN ) to refinance our loan at a lower rate. When the loan information was presented to us, Freedom/OCWEN neglected to include our school taxes ( currently school taxes make up XXXX of our XXXX ). OCWEN has now come back, 1 year later, indicating that their Escrow projections were off and that we owe over {$5000.00} in taxes. Upon review, OCWEN admitted that the school taxes were mistakenly not included in the loan refinance documentation. The majority of the monthly reduction in the cost of the new loan was based on XXXX/OCWEN NOT including the school taxes as a part of Escrow, and this reduction was what they used to push us to move forward with the refinance. They have admitted the mistake. But thus far, we have not been compensated for their deceit.
Product: Credit reporting or other personal consumer reports

Crediter reported on a early date than usual normally billing cycle days 30-45 my last billing cycle was XXXX XXXX that was the date they reported to the bureau and I got next report to the bureau on XXXX XXXX this unexpected report caused major affect to my credit score for not given my abdicate time to pay off my debt before they report to the credit before that would of been after to my original schedule due date XX/XX/XXXX  they would of reported normally around XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've sent 2 debt discharge letters for them to remove closed accounts from my credit report under the G.a.a.p. Including medical bills.
Product: Checking or savings account

Received a check from an individual for {$3200.00} and received notification that funds were being held related to other bank establishment. The individual called and verified that funds had been released to Truist. Truist stated that it has to be verified but regardless of verification time they would hold my funds for XXXX business days