23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally raise my complaint regarding the inaccurate credit information present on my credit file. It is disconcerting to find that the following information has been included in my credit report. I strongly urge you to promptly verify the inaccuracy of this information and remove it from my profile due to the detrimental impact of such inaccuracies on my creditworthiness. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. These items contains inaccurate details : XXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/2022. Please remove these items from my credit profile ASAP.
Product: Credit card

My father had significant fraud on his Barclays credit card. There have been significant gift card purchases. My father never purchased gift cards, and I am surprised that the Barclays fraud group never had any fraud flags to the aberrant patterns that were present. My Father passed away on XX/XX/2024. Barclay card refused to get involved because I was not the primary on the account. I provided a POA, but that was refused because it only had XXXX witness. I submitted all of the fraud information to the office of the XXXX on XX/XX/2024. I didn't get any response from the office of the XXXX. Additional Barclay card does not return calls from the XXXX detective that has been working the case. 

I have never seen a credit card company refuse to help a senior and hide behind internal policies that are designed to not take accountability.
Product: Credit card or prepaid card

The creditor is Best Buy Credit. I have made consistent and frequent payments over the last 2 years and 5 months. I have never been late on a payment and according to my records I have paid {$3700.00}. On XX/XX/XXXX apparently a charge of {$5000.00} in interest was applied to a {$3400.00} balance resulting in a {$8400.00} balance. I called 6 times to speak with a customer service representative. 4 of the 6 times I was hung up on and 2 of the times I was put on hold for over an hour before being hung up on. I tried accessing my account multiple times online only to receive error messages. I requested to close the account which I was able to do but I was not told how the {$5000.00} interest charge was applied and to what item it applied to only that it was due to an expiration of a promotion. To my best recollection any promotion was only going to revert to a APR of 14.9 % after the interest fee payments of 24 months. Best Buy has been non communicative and unable to provide the information when requested multiple times. The last I had heard was that it was escalated and that someone would contact me but I have yet to hear from the company. A 143 % increase in the overall balance while paying on time over the last 2.5 years is egregious and should be remedied. I am not opposed to paying what I owe with a reasonable interest rate. In my mind Best Buy practices predatory and fraudulent lending on par with loan sharks.
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX # XXXX ( DELETE! ) Dear Equifax and CFPB, In accordance with the Fair Credit Reporting Act, this creditor has violated my rights 15 USC 1692e 807 ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; 15 U.S. Code 1681 - ( 1 ). The banking system is dependent upon fair and accurate credit reporting.

Under 15 U.S.C. 1681i ( 5 ) states,. Removal of inaccurate/invalidated credit information Under 15 U.S.C. 1681 section 602 states,. I have a right to privacy.

Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction..

Under 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation I would like to demand the XXXX XXXX XXXX stop reporting this account on my credit report because they are injuring my credit profile and violating my rights.

They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation.

This account also communicates charges that do not belong to me. I have asked the XXXX XXXX XXXX to Explain in writing what an initial late {$310.00} fee is and where I agreed to pay every month for six months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for XXXX XXXXXXXX ( see attachment below ) therefore it would be impossible for either XXXX XXXX or XXXX XXXX XXXX to try to collect the initial late fee of {$310.00} payment for six months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. 

This account is also reporting a {$200.00} paint fee, I have already paid a {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of expenses. The apartment has to be repainted every time its rented. My unit has normal wear and tear.
Product: Student loan

Navient has called me over 30 times since XX/XX/XXXX, every day 4 times a day. Based on information from the Government all student loans should be on forbearance, As part of the federal legislation passed on Friday, XX/XX/2020, we have suspended payments and interest accrual on all U.S. Department of Education ( ED ) owned loans until XX/XX/2020. 

They have charged me every month since than. I logged on today the past due fees were still there and my forbearance only had only 43 days left. In addition, it'slisted that I have a payment due in XXXX ... Why am I being billed in XXXX if the forbearance is current until XX/XX/XXXX? 
They reported delinquency to the credit bureau over 60 days. How is that possible if my payments were discontinued, per federal legislation payments were suspended on XX/XX/XXXX? Furthermore they sent me a text message asking if I need forbearance, I responded yes.. 
I am in the process of filing a compliantwith the XXXX, Pleaseadvise Navient to remove delinquencyon my creditreport, and make my acct current. I have been paying on time for about 3 years ; I stopped when Covid 19th started. Please fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with the  XXXX ,  XXXX  and Experian to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of t  he ledger where it shows we had a huge credit balance.
No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that thi  s money is owed.
Product: Debt collection

On XX/XX/XXXX I received a letter claiming I owed a debt of {$770.00}. XX/XX/XXXX I called them and asked for verification of the debt and an itemized bill. They refused and hung up on me. On XX/XX/XXXX I sent them a letter requesting creditor information, basis for the debt, billing statement, original contract, passt payments, and their licensing information. I did not receive a response. On XXXX my wife received a phone call from XXXX. She did not identify herself as a debt collector. She instead she was " private business relations ''. I called the number and spoke to an agent who did not identify himself as a debt collector, but instead attempted to get me to confirm information. Once I asked why he wanted to know, he then identified himself as a debt collector. He then continuously tried to get me to admit that this was my debt. The debt was not over {$1000.00}, instead of the {$770.00} they claimed in their letter I told him I dispute this debt and he said I was being difficult. I told him he was being difficult. They refuse to give me any other information about this debt for me to confirm that it is my debt.
Product: Credit reporting

Every year I can not get past Equifax 's ( PURPOSELY ) illegible s CAPTCHA, ( authentication challenge ) alpha-numeric box. I try 3 times unsuccessfully and the system then locks me out. This requires me to sent Equifax - by mail - a list of documents in order to receive my free annual credit report. I do not have this issue with XXXX XXXX or XXXX. I have lodged a complaint once before to no avail. CFPB has not been successful in dealing with this OBVIOUSLY and PURPOSEFULLY underhanded attempt to force citizens to the onerous task of mailing sensitive documents to them. The obvious reason is to get requestors to just give up and go away. I hold CFPB accountable for not fining or sanctioning Equifax. Otherwise this will never be resolved. Please respond with a corrective action detailing what, if any, pressure you can bring to bear on Equifax.
Product: Credit reporting or other personal consumer reports

this company is reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me. this practice violate the fair credit reporting act ( fcra ), 15 U.S.Cs 1681i, which mandates a reasonable investigation of duputes. futhermore, equifax actions may also contravene the consumer financial protection act ( CFPA ) 12 U.S.C SS5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted XXXX, XXXX XXXX Transunion about the many inquires on my account i do not recognize i informed them of how i have contacted each company and they could not provide me with any information. i did not authorize any pulling of my credit with these companys XXXX Credit Report XXXX XXXX XXXX, ( total of XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX, multiple XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX real XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have several different loans with XXXXnavient to pay back. And showed a record of paying on time for the past 6 years. However, I started my XXXX ( went back to school after having worked ) at a XXXX in XXXX, the XXXX of XXXX, XXXX. The school is not on their list of foreign schools that let me be eligible for not having interest rate accumulation while I pursue my studies. I have asked several different representatives what to do to help get the school on the list, provided documents of proof of student status, and asked how to ensure that I do n't have accrued student interest on my loans, but I only received the option to declare that as I do not have a salary, I should go on the income-driven programme, therefore being eligible for XXXX $ monthly payment. The solution does not give me access to student-based deferment plans, and overburdens me during a period that I have returned to continue my studies. My repayment continues to grow while the fact that I 'm a student falsely makes it looks like I am unemployed, and am not eligible to claim my truthful student status. 

I feel that this is discriminatory to students who do not continue their study in the US, but have attained US loans and placed undue burden on my financial status. If there is a way to help place my university on the eligibility list, or frankly, if there is a way to expand this list to include all recognized/certified universities, than some of my crushing debt and burden would be lifted.
Product: Debt collection

XXXX XXXX XXXX XXXX. Have been calling my job numerous times a day, my cell phone and leaving messages at multiples XXXX for me numerous times a day ( I work out of many XXXX  ) when you first answer the first, XXXX never identify his self. He asks for me as name and poses as a parent I work with. Or a parent inquiring about something. When I ask where he is calling from is when he identified his self. When I finally asked them to stop calling my job because I got in trouble I was told that they will sue me and had a very nasty attitude and was aggressive with me on the phone. After the man XXXX was done with me he place XXXX on the phone who tried to be nice but was nasty as well. I repeated myself for the 7th time to contact me via mail only and do not contact any number for me and they she proceeded to tell me that a lawyer will be involved and will be calling me. She doesnt understand if I was able to pay a bill for 4 years what happen. And they can take everything else from me. 

After that comment I was highly XXXX off. I said to her I dont owe her an explainatation and will like all the information they have on this account to make sure that I am the one that actually owe this debt. I am not sure if they will be contacting me again but I asked to be contacted via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached of negative items impacting my credit profile without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

Have further question and complaint under spawned I got from Bank of America previous case number XXXX 1. Did Bank of America sold my Deed of mortgage and note to XXXX XXXX in XXXX.I need an answer yes or no 2. Did Bank of America sold my deed of mortgage and note to any organization outside XXXX XXXX 3. Did Bank of America owner of the note and the mortgage until it transfer the servicing right to XXXX 4. Did the DOJ declare my home as a toxic mortgage XXXX
Product: Credit card

I charged an item in the XXXX XXXX credit card. I paid off the charge, then the bank kept charging me fees every month. I called them and they said they would stop the charges if I pay the outstanding fees, which they should not have charged. But I paid them to put an end to this. I requested that the account be closed. They sent a letter which I will attach. However, every month I get a statement with new charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EQUIFAXs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 2 inaccurate late payments for the XXXX account beginning in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX DEPT OFEDUCATION/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/year>. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXX XXXX XXXX XXXX XXXX SOLD TO NATIONAL RECOVERY. THIS ACCOUNT IS FRAUD AND NOT VALID. I HAVE NEVER DID ANY BUSINESS OR APPLIED FOR ANYTHING WITH XXXX XXXXXXXX XXXX XXXX XXXX XXXX IN MY LIFE. IVE ASKED THIS COMPANY NATIONAL RECOVERY TO PROVIDE ME WITH A ORIGINAL CONTRACT WITH MY SIGNATURE WITH XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NO RESPONSE. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED. ATTACHED IS MY IDENTIFICATION AND IDENTIFY THEFT REPORT FOR THIS FRAUDULENT ACCOUNT.
Product: Mortgage

I was under the pandemic relief program. In the beginning of XXXX I had spoken to my mortgage company and I was told that I need XXXX to submit a loan modification form online. This was when the issues started. I had made mistakes on the form so I allowed the form reset itself after 7 days because the form would not allow for changes I did not finish it. The modification form was very unuser friendly. 

I again tried to redo the form and the same thing happened. Then one day I get a call from someone else at the company and he saw that there was no way to go back and fix mistakes on the form. He told me that he was going to cancel the request and advises me that I would have to wait several days to log back in and try again. 

I waited several days and logged back in. Thats when I found that this man did not in fact cancel the request but instead submitted the form with the incorrect information. Numerous phone calls to my dedicated loan specialist went unanswered and no return calls. We are now almost to the end of my pandemic relief protection and I am no closer to an answer as to what my next step. I feel like USAA is purposely making this difficult in order for them to take my home. 

I can afford to make my regular monthly payments however, I can not afford the amount due from the times of the pandemic relief. How is that relief if they continue to rack up past payment? I am a single mother with XXXX and this stress is causing me major anxiety attacks because I am I. Fear of losing my home. I am a 100 % XXXX veteran and went with USAA because they claim to be for military and veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I vacated my residence of XXXX XXXX XXXX XXXX XXXX AZ XXXX on XX/XX/XXXX. During that year I paid the mortgage payment but my wife at the time was living there with the kids. During XX/XX/XXXX- XX/XX/XXXX we were doing temporary orders to resolve who was going to live where and who was going to pay for what. During that time, I had a myriad of bills and transitioned most my billing to a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. XXXX did not send the bill to the new address, and I had turned autopay off on XXXX XXXX because we were in the middle of temporary orders, and it was possible that she would have to pay the mortgage, and were I to pay it, then I would never see that money back from her. XXXX Mortgage made ( 1 ) attempt to call me to collect payment and then submitted a delinquent payment to the bureau. Now, once I was notified by the credit agency of the delinquent payment report I contacted them, explained the situation and they remove the delinquency on the report. Then, I moved back into the home after temporary orders and caught the account up. There was no problem for a few months until during the divorce it was required, we sell the property. XXXX Mortgage then reissued the delinquent payment after the property was sold ( 1 ) Year after the initial delinquent payment was reported. They did not ding my ex-wife 's credit score, they dinged mine. In any case, the delinquent payment should be removed because the circumstances were such that a divorce and billing error was the cause of the issue. I have attached letters from my attorney, as well as the divorce exhibits to show that this timeline existed as I stated earlier. Please remove the 30 day late payment on my credit score immediately due to extenuating circumstances.
Product: Credit card or prepaid card

Our credit card account was closed with no advance notice per a letter from JPMorgan Chase dated XX/XX/XXXX. We were told that the account was closed because Chase needed my SSN " to comply with federal law. '' I sent my SSN and other personal information to Chase three different times and the account is still locked. The first time I sent that information was by fax, and I do have copies showing the fax was received. What's more, Chase told me it would send me more than {$2400.00} in earned rewards money but failed to do so. Now, I can not even get a person on the phone to discuss this. Chase has never acknowledged receipt of my SSN and other personal info that it requested and has never told me why our account was locked. I have sent a letter about all this to a member of Chase 's senior management team. In summary, Chase locked my account and has not told me why and also told me it was sending me earned rewards money and has not done so.