23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was given the WORST advice for my, then, XXXX loan! At the time I had just finished doing a 2 year XXXX. At the end of your XXXX you are awarded money to use for either going back to school or to repay student loans. One of the reasons I did my service was to then get this money to repay student loans and get myself back on track. I called XXXX for advice. I had $ XXXX in debit to pay off, my rewards money was $ XXXX. I was told by the XXXX representative to put my loan on deferment and use the money to pay the interest in the meantime as I figured my life out after XXXX. Let 's get something clear, I am an XXXX, it is not easy for me to deal with money or math, it is just not my bag. So when the institute representative advises, truly urges me, to go this route- I trusted him and XXXX . Naive, I now see. I place this all on automatic payment, not really looking at what is going on for a couple of years, again trusting my institute. XXXX then becomes Navient and I take a look at what was going on. Here 's the numbers- I had XXXX to pay in the beginning, with a XXXX award. After a couple of years of doing the XXXX ' way- I had $ XXXX to pay off and less than $ XXXX left in awards money. That 's right ... the SAME amount of money to pay off to Navient!!! I had just been paying them for no reason. I felt stupid and cheated and lied to. I had grown up a lot in the years between then and I felt so foolish for trusting a company I had no choice in dealing with. I was ashamed to tell my parents and my, now, husband. I should have paid the XXXX outright and figured out the taxes- today I would be debt free. I still owe over $ XXXX to this day as I slowly chip away.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : 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 XXXX XXXX Inquiries : Sure, heres the list with all the credit bureau names removed : 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 I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 accounts 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 XXXX  XXXX  XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$9100.00} XXXX XXXX  XXXX Balance : {$4000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against XXXX and Experian Regarding Inaccurate Late Payment Reporting for XXXX Account Dear CFPB, I am writing to formally file a complaint against XXXX and Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account Number : XXXX ). Despite multiple attempts to resolve this issue, including disputes filed on XX/XX/year>, XX/XX/year>, and XX/XX/year>, the inaccurate information remains uncorrected. 
XXXX  Account Details : Account Number : XXXX High Balance : {$420.00} Balance Owed : {$350.00} Credit Limit : {$3500.00} Late Payment Reported : XXXX late payment for XX/XX/year> ( XXXX and Experian ). 
Account Status : Open and Current. 
Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The incorrect XXXX late payment reported for XX/XX/year> demonstrates a failure to uphold this requirement. 
As per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Truth in Lending Act ( TILA ) : Per 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting indicates a failure to comply with this requirement. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are mandated to provide timely statements to prevent unfair penalties. The inaccuracies in reporting late payments breach this obligation. 
Evidence of Discrepancies : The reported late payment for XX/XX/year> is inconsistent with my payment history, as I have always made payments on time. 
XXXX and Experian report a XXXX late payment for XX/XX/year>, while XXXX has XXXX reported history of late payments for this account. 
Monthly payments and account status indicate compliance with payment terms, further invalidating the reported delinquency. 
Requested Resolution : Immediate removal of the inaccurate XXXX late payment notation for XX/XX/year> from my credit report with XXXX and Experian. 
Written confirmation of the correction. 
An assurance that reasonable procedures will be followed to ensure future accuracy. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints to the relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a letter to this company in XX/XX/year> and never received a response to verify said {$780.00} debt that is being report on my credit reports. They can not prove that I owe the debt or that they own the amount being reported.
Product: Mortgage

Greetings, The issue is my escrow account is currently short by {$2200.00} as stated by XXXX XXXX  my mortgage servicer. XXXX XXXX  informed me that I have to pay it via spreading this amount over the 12 months period. My mortgage being transferred from XXXX XXXX  to XXXX XXXX  to XXXX XXXX and finally XXXX XXXX  so my escrow account payments were mishandled by the previous XXXX firms. No one wants to take the responsibility or audit the escrow account. I always pay my mortgage payment in full as it is shown on the online account or a statement I receive. 

I have attached all the docs I have received from the tax collector office in my town and all the escrow analysis provided by XXXX XXXX and XXXX XXXX. Please assist and investigate the matter. please let me know if anything else is needed on my end.
Product: Credit reporting or other personal consumer reports

*GLBA FTC SAFEGUARD NON-COMPLIANCE* I am filing a complaint against this company for violating the Gramm-Leach-Bliley Act ( GLBA ). The company has failed to meet critical compliance requirements, including : Providing the necessary privacy notices that explain their information-sharing practices.

Offering an opt-out mechanism to prevent the sharing of my personal information with nonaffiliated third parties.

Ensuring adequate protections for my personal and financial data, as outlined in the GLBA 's Safeguards Rule.

Implementing effective identity verification procedures, which raises concerns about potential pretexting. 
I request immediate steps be taken to halt any unauthorized sharing of my personal data. I also require a full account of how my information has been used and evidence of the companys compliance with the GLBA
Product: Debt collection

I have never taken out a payday loan through ANY cash advance company. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

Someone claiming to be from ASG has been calling constantly for about 2 months- most recents are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I've called their number ( XXXX ) XXXX ) several times, and just get a voice menu to pay now or set up a payment plan. I visited their website, and it lists a debt of {$1300.00} to XXXX XXXX, and a immediate payoff of {$390.00}. I've never even heard of that company! After having visited their website this morning ( XXXX ), I've gotten XXXX text messages saying they noticed that I visited their website ( ASGRecoveries.com ) and didn't select a payment option. On top of that, for the last 2 months, they have also been contacting my relatives!
Product: Debt collection

On XX/XX/20 I sent a letter to McCarthy Burgess & Wolff stating that I was a victim of identity theft ( XXXX_signed copy _Identity Theft Letter to Debt Collector_ McCarthy_Burgess_Wolff ) The letter was sent Certified Mail Return Receipt, with a tracking # XXXX, and was in McCarthy Burgess Wolffs possession as of XX/XX/20. 
The letter explained to McCarthy Burgess Wolff that I am a victim of identity theft. In addition, the letter informed McCarthy Burgess Wolffs responsibilities under the Fair Credit Reporting Act ( FCRA ) ; which requires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
McCarthy Burgess WolfXXXX was asked to provide me with the records I requested ( XXXX_signed copy _Identity Theft Letter to Debt Collector_ McCarthy_Burgess_Wolff ). 
Again, McCarthy Burgess Wolff was in receipt of this request on XX/XX/20. The 30-day deadline for me receiving the required documents has passed as of XX/XX/20. 
Section 609 ( e ) ( 1 ) of the FCRA, 15 U.S.C. 1681g ( e ) ( 1 ), requires a business entity to provide an identity theft victim with application and business transaction records evidencing any transaction that the victim alleges to be the result of identity theft. The business entity must provide such records not later than 30 days after the date of receipt of a request from a victim. 
The FTC also has issued guidance to businesses seeking to comply with FCRA Section 609 ( e ). Each guidance document states that businesses must provide records directly to victims upon request. 
Despite the FCRA 's requirement, McCarthy Burgess Wolff has declined to provide the records I requested.
Product: Debt collection

In reviewing my credit report I noticed an account listed from CAVALRY PORTFOLIO SERVICES. However I have no knowledge of this account. My first concern is that I was never notified of this debt, so I immediately go to the company website. When I attempt to login and see what this is about I get an error message saying I need to contact another company. 
Meaning this company no longer has control of the alleged debt : yet it is still reporting. I have received no communication from either place which is alarming to me. 

I am disputing this account. 
This letter is being sent to you in response to an entry made on my Credit Report dated XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

This account needs to be permanently deleted.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act, this creditor has violated my rights.

under 15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604A section 2, it also states A consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Checking or savings account

On Monday, XX/XX/year>, I changed my mobile phone provider from XXXX XXXX XXXX to XXXX. It is now XX/XX/year>, and I can not access my online banking accounts. I spoke with no less than XXXX representatives from Citibank , and they all read the same script that they can not allow me access to my accounts due to possible security issues. However, they are unwilling to provide legal documentation on how they have the authority to block my accounts for five days ( and counting ) because I chose to change phone service providers. They say they can not text me ( a process that other banks could do without an issue ). However, they can see I'm calling them from my number and will use that number to call me back. Nor will they provide an alternative to " texting '' me a one-time passcode ( also a process that other banks could do without an issue ). They are making it impossible for me to pay bills, access cash, use XXXX, etc. My other financial institutions have no problem simply verifying the information. At this point, Citibank is unduly restricting my access to my money.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I was informed that my claim regarding a fraudulent XXXX payment was denied because Wells Fargo found that I authorized this payment. 

For background, on XX/XX/2024, at around XXXX XXXXXXXX, I received an email notification that I XXXX  XXXX XXXX {$3000.00} from my Wells Fargo savings account. I do not know anyone named XXXX XXXX nor was I initiating a XXXX payment from my account at that time. As a result, I immediately ( within minutes of receiving this email ) called Wells Fargo to report this fraudulent XXXX payment and indicated that I did not know this person and was not intending to initiate a XXXX payment and/or transfer funds to XXXX XXXX and/or any other person. Moreover, I indicated that I have never given anyone my account information, login information to my online banking account, or given anyone my pin to my debit card. I spoke to a representative and expressed concern that this person clearly has unauthorized access to my savings account and presumably my other accounts. As a result, my online banking was frozen and my savings account was closed. A claim was opened regarding this XXXX payment. 

In addition, I filed a police report reporting the aforementioned incident. I stated, verbatim, I do not know this person and did not authorize and/or consent to this payment in any way shape or form, including, but not limited to, the recipient, amount, initiation of payment, and/or transfer of funds all together. I have attached a copy of my police report for your reference. Notably, I am a licensed attorney and fully aware that falsifying any information in a police report is a serious offense. 

To be very clear, I absolutely did not authorize this XXXX payment. To reiterate, I do not know this person, did not give them access to my account, have never provided anyone with my Wells Fargo login information, did not authorize anyone to send a XXXX payment through my account or devices on XXXXXXXX XXXX on XX/XX/2024 ( or any time before and/or after this date and time ), and am completely unaware how this person was able to gain access to my account ( s ) and the funds therein. I am unsure if they hacked my account or devices ( phone, computer, etc. ) in order to make this payment. 

I am not quite sure how this could be considered an authorized payment especially given the circumstances surrounding said payment, namely : ( 1 ) the fact that I have never zelled this person before ; ( 2 ) I have never zelled anyone from my savings account where the majority of my funds are held ; ( 3 ) I immediately reported this fraudulent transaction ; ( 4 ) said person XXXX  themselves the daily limit for this account ; ( 5 ) I have never made a XXXX payment with that high of an amount ever ; and ( 6 ) I filed a police report regarding the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two ( 2 ) accounts on my credit report for auto loans that I did not authorize & I would like investigated, & removed from my credit report.
Product: Money transfer, virtual currency, or money service

To follow my previous complaint ( ID XXXX ), 1. I ask that CFPB not let JPMorgan Chase investigate itself. It has to be third party or independent agency to check on Chase. They replied with " no error '' on their part to simply excuse themselves and to escape their responsibility. 
2. The following secured message I received from Chase on XX/XX/2021 : " Please note that this return of funds may take time to achieve, we can not advise how long as each bank has their own procedures to follow. '' However, Chase bank has closed my case recently without returning any stolen funds as they indicated in the message. This is a joke to me.
Product: Debt collection

I attempted to dispute the debt that was listed I owe on my credit report but first Id like to say Ive never received anything in the mail, but Ive never had a capital one credit card account or a XXXX XXXX account. They both have removed their self from my credit report now I have this company giving me a hard time and I sent a certified letter to them and they did not respond to by 30 days.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated. 


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.

EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Checking or savings account

I filed three claims for fraud/unauthorized activity with Capital One 360 Checking. 

Claim # XXXX for account ending in XXXXClaim # XXXX for account ending in XXXXClaim # XXXX for account ending in XXXX. 

My name is XXXX XXXX, birthday XX/XX/, last four of social XXXX. 
The claims listed above filed by me on XXXX, were WRONGFULLY DENIED after only 8 days of investigation, I was not even issued provisional credit. The reasons Capital One gave for the determination is " Due to your assertion about the debit card possession and transaction information ''. This is completely inaccurate as I NEVER HAD POSSESSION OF THE DEBIT CARD, it was delivered XXXX which did not require a signature, left outsidemy door where my sister proceeded to pick up the card activate and use it for the transactions in the claims number listed above. 
Whomever I spoke with initially about the claim took down an inaccuratereport, which has caused me severe financial hardship. I have had this Capital One accountfor YEARS and nothing like this has even happened. 
Attached please find PROOF mine and of my Sisters ( the culprits ) address in the form of a XXXX bill in her name, which is where the card was sent to. I notified the representative of this on the phone, and let them know she no longer lives here and has a history of stealing from family to support her addiction. I contacted the XXXX police, told them my sister gave a VERBAL admission to taking the card and activating it by logging into my Capital One application and entering the CVV code- which makes it way too easy for someone commit fraud by the way, they should be required to call and verify. 
So to be clear : I NEVER had physical access of this card when it was mailed, how can an investigation into theft/fraud only take 8 days to finalize?? Did you review ATM camera footage? Apparently not, as I clearly am NOT responsible for any charges or transactions made in the claims numbers listed above. I have filed a report with the Consumer Finance Protection Bureau and I hope we can resolve this matter as I was truly a victim of theft here and this is extremely stressful. 
Please let me know if any further documentation is required or if you would like to speak to the Detective with XXXX, Illinois police department. 
Thank you XXXX XXXX