23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a senior citizen and I'm on the HAF program they paid my Mortgage and my mortgage company received the payment and refused to posted the payment and charging me a late fee I called several time and was told they received my payment but its not yet posted by they keep on calling me about late payment also charging me a late fee, HAF sent the payment on XXXX also XXXX XX/XX/23 select portfolio not posting the payment and causing me issues with my credit I called them several times and they acknowledge that they did received the payment and another department is handling those payments as of today the payment received posted to my account and causing me stress and fear, at XXXX XXXX XXXX XXXX cant handle this stressed from them, Please see all the letters from select portfolio services also my HAF approval letters XXXX XXXX
Product: Credit card or prepaid card

Chase bank keeps trying to open an amazon credit card in my name I have called and report twice now and yet now a third and forth time the company is contacting me to open an account again. I 've wasted hours and hours contacting chase bank and they still continue to try to run an application which seems like every 3 months. Tell chase to take me out of there system and stop bothering me.
Product: Student loan

I am paying for this loan when the school is out of business the school is named XXXX. I am paying to UAS XXXX who is handling my private loan for something I do n't attend to and went out of business. I need help.
Product: Debt collection

Citibank in their response to my complaint against ( Case # XXXX ) them stated they have not attempted to collect on the debt in question since XXXX XXXX when it was sold to XXXX. And that a copy of my complaint and Citibank response will be forwarded to XXXX. ( See Attached ) I want to know what part of my complaint against Citibank was sent ; the complaint, or the complaint and fair resolution. I like to know whom it was addressed to and the address it was sent to. 
I want to address the issue of the debt being sold XXXX XXXX and all information made through the date of sale is given to the debt buyer. Why was my complaint against Citibank, and Citibank response forwarded to the debt buyer after the date of sale? 
Citibank fraudulently stated in their response to my complaint that they received a " Cease and Desist request from me in XXXX XXXX, and the account was updated accordingly. '' I never sent or requested a Cease and Desist. My written request made in XXXX XXXX to XXXX XXXX XXXX , XXXX was that all communication to be in writing, there was no mention of cease and desist. 
I want Citibank to produce the Cease and Desist that they refer to in their response to my complaint. ( Case # XXXX )
Product: Debt collection

I 've responded to NCB Management Services Inc every time a letter has been sent to me. I have never done business or signed up for any credit with XXXX XXXX XXXX XXXX. I 've requested proof such as a signed agreement, payments made, credit received, etc so it could be forwarded to law enforcement, but have yet to receive anything but more letters demanding payment for # XXXX. I ask that they stop contacting me and remove this account from my personal credit report as it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion, XX/XX/XXXX, and XX/XX/XXXXon XX/XX/2021 by Certified Mail regarding removing unauthorized inquiries. 35 days later, these inquiries are still showing on my credit report. I sent another Certified Letter on XX/XX/2021 requesting that the inquiries be removed.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I sent this letter off to them on XXXX XXXX, and here we are 5 months later and they refusing to update my personal information. They sent me a letter stating that they didn't update my information because they believe the letter wasn't from me. The information on my report is not report accurately and I would like it to be updated to the correct information. 

This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows :
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 15 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus to no avail they will not help me I have tried reaching out to the furnishers with the contact information on my credit report and they are not getting back to me I need help to remove these from my credit report since they do not belong to me in any way!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Equifax Data Breach Dear Sir/Madam, I am writing to file a formal complaint regarding the data breach that occurred at Equifax, which exposed my personal and sensitive information, including but not limited to my Social Security number, birthdate, and financial data. I believe this breach is a violation of the Fair Credit Reporting Act ( FCRA ), the Identity Theft Enforcement and Restitution Act, and other applicable consumer protection laws. 

Incident Summary : In XXXX XXXX, Equifax experienced a major data breach that compromised the personal information of millions of individuals, including mine. I discovered that my personal data was affected either through notification from Equifax or by checking the website Equifax created for affected consumers. The breach has caused significant distress, and I am deeply concerned about the potential for identity theft, fraud, and the long-term impact on my financial security. 

Despite efforts to protect myself ( e.g., credit monitoring services, fraud alerts, and security freezes ), I believe that the breach 's impact on my privacy and financial well-being is severe and ongoing. 

Details of My Experience : Impact on My XXXXredit/Financial Security : Unauthorized credit accounts, credit score changes, or other financial consequences.

Steps Taken to Protect Myself : Fraud alert/credit freeze, and enrolling in credit monitoring services. ] Desired Resolution : Given the serious nature of the breach, I am seeking assistance from the CFPB to ensure that Equifax provides appropriate remedies. I request the following : Clear Communication : Ensure that Equifax provides clear and ongoing communication to consumers affected by the breach regarding steps they are taking to rectify the situation.

Appropriate Remediation : Ensure that Equifax offers compensation for the harm caused, including credit monitoring, identity theft protection, and other forms of assistance.

Accountability and Oversight : Advocate for stricter consumer protections, more rigorous safeguards for personal data, and accountability for Equifax regarding their handling of this breach. 
Assistance in Resolving Any Negative Impact on My Credit/Financial Status : Help me address any negative financial or credit consequences stemming from the breach. 
I appreciate your attention to this serious matter and hope to receive a prompt resolution to my complaint. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance is in violation of 15 USC 1692c ( c ) 2
Product: Credit card or prepaid card

*see attached letter. 

I will summarize. but more detail in letter. I paid for services to conduct a survey to my clients ( 2 year deal ). The first survey and experience leading up to preparing the survey was a disaster as was the actual survey. I told the company I did not want to continue with the 2nd year because of the unprofessional experience I had with their team developing the survey and the terrible results I had with the survey. It actually hurt my business. The execs of XXXX said " let us look into this to see if what you are saying is accurate. We had a conference call and they agreed that their team did not provide services paid for. I said I do n't want a refund I just want to terminate. The execs came back with this ... We are sorry you had a bad experience and we would like to put our best team on your 2nd year  survey and we will not charge you for the year 2 fee. We thought long and hard and we decided not to take them up on the free offer because the first experience was so bad and hurt my company. XXXX then went ahead and charged my credit card for year 2 event though they said they would cancel and give me a free survey. The fact I turned that offer down made them mad and they charged me for year 2 and they did n't even provide services although I did n't want them. and went and charged credit card without my authorization. 

Not once has Chase Visa ever returned multiple calls we palaced to discuss this matter. They just send their form letters. I have attached communication with them. 

I paid {$5000.00} for a service the company agreed was not acceptable and I did not ask for a refund. I said I did not want the service for year 2 which they offered to give for free ... .and I turned it down and took my lumps and then they charge me for year 2 and I did not use. Chase Visa has done nothing to resolve this expect to charge me interest. Look at my payment history ... it is flawless. This company did not keep their word or perform the services and they agreed to that. Chase still continues to keep amount on my bill while adding fees. 

Sorry this was more than a summary but please read attached letter. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the account and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be removed from my credit report to safeguard my personal and financial information. 
Affected Account : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - {$7100.00} Inquiries : XXXX XXXX XXXX XXXX XXXX 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

EquiFax said I had to dispute this with the police department, as I have had my identity stolen in the past. 

Police Citizen Report tracking number : XXXX ( for the other fraudulent inquiries ). 

Here are more hard inquiries that I did not authorize : XXXX XXXX XXXXXXXX EquiFax Mortgage Informative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was moving to in XXXX of 2016 XXXX and on the way there I got a call saying my card was being used XXXX where I used to live. I told them it was not me and to cancel the charges. come to find out the canceled them then put them back on my card with out telling me. XXXX of my purchases on the way XXXX was a Hotel room XXXX a day before the first fraudulent transaction happened. I was clearly not any where near XXXX when those purchases were being made and bank of america refuses to accept my claim.
Product: Credit reporting or other personal consumer reports

Got an alert from XXXX XXXX changes of changes to my credit report on XX/XX/2024, pulled my reports from MyFico.

I called Experian and asked for fraud department and was told I needed a FTC or police report and needed to send copy of Identification, ( DL ) and copy of Social Security Card and either a current bill or bank statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account.
Product: Credit card or prepaid card

The end of XXXX I applied for a capital one business card, I already have XXXX other credit cards with them a credit card for XXXX I've had since XXXX and a Capital one XXXX for XXXX since XXXX. I applied for the business card for my XXXX business. When i applied through XXXX XXXX for the card, XXXX XXXX did most oXXXX XXXX, where i only had to fill in a couple of blanks. they approved me for the card XXXX limit and they also sent the card, with the card i got 2 other letters stating that those other XXXX accounts had been deactivated. the next day i recieved a letter stating that the business card i was just approved for deactivated also. the letters gave a number and also had 3 different case numbers. they stated that it was a concern about Fraud and needed to verify information. XX/XX/XXXX I sent in 3 most recent bank statements and proof of my business, i did that a couple days later i was told to send in my ss card and ID front and back. i done that, next couple of days heard from the person who stated that they were over the account and she never ask for ss card or ID, at that point i stated that if capital one did not want me to have a business card then that was fine, and i was just wanting to know about my other XXXX cards, i have also contacted XXXX and they letter i got back was the same stating fraud and information needed. they were stating my bank statements were not real until i had a rep call the bank and i verified information so the rep could get info on bank statements and they recieved the same 3 month statements, Now they are saying they want my personal bank statements. I have already been approved for the card and its on my capital one account and on my credit. my other credit cards with them are at XXXX always,
Product: Credit card or prepaid card

Places where I have used my card since unlocked. 
XXXX  on XX/XX/2023. Amount. {$150.00} its on autopay, so any XXXX is me. 
XXXX on XX/XX/2023 amount {$180.00} Lastly. XXXX XXXX. XX/XX/2023 amount {$20.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account Acct XXXX XXXXXXXX was charged off in ( XX/XX/year> ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispurted this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attached is also the dispute filing in XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN XXXX BUSINESS DAYS after the date of receipt by such agency of. 

PLEASE REMOVE ALL ACCOUNTS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a 3rd party creditor attempting to collect a dept, they claim they are trying to collect this debt in the name of the original ''creditor ''.
Product: Credit card or prepaid card

I went on my honeymoon on a cruise and while in XXXX we purchased items. XXXX of the items was a store selling food. They are supposed to charge {$3.00}. and change or close to it. she ran the card, and I didn't think anything of it. After I got home, I realize that I was charged {$320.00}. I called the bank and informed them of the situation. The bank is asking me for a receipt. I don't have one ... who keeps a receipt for {$3.00}. The burden is not on me is on the merchant. They won't even look at it.
Product: Student loan

The issue began some time ago when I found out that the school that I attended " XXXX XXXX XXXX in XXXX through XXXX XXXX XXXX on the studentaid.gov site was defrauding student and that it closed down, and the time frame XXXX XXXX XXXX indicated the issue with the school XX/XX/XXXX - XXXX Closure ) I was there from maybe XXXX, XXXX XXXX ). Because of this act I informed Navient through email and on ( XX/XX/XXXX ) and they responded to me that they were willing to help in email sent to me. ( XX/XX/XXXX ). It got to XXXX XXXX I was talking to someone every other week to get the proper information for the form " school mis conduct application '' I needed to help with the possible discharge of the XXXX private Loans that were all " XXXX XXXX XXXX. 

Navient sent the application " XX/XX/XXXX. I did not know I had it until I made a call and asked about the application again. Eventually I sent all my information related to the application, XXXX XXXX XXXX letters indicating that my loans were XXXX and that they refunded me XXXX when doing so. Also, I've been sick and out of work since XX/XX/XXXX, so XXXX months almost while having to deal with the loan 's situation and now my declining health. Navient gave me a forbearance for maybe XXXX month and a half. At the moment I do not know if I will be able to go back to work since this new health crisis. It's frustrating, especially since I've never missed a payment and the only result is that they will possibly give a XXXX forbearance but in end your interest goes up but see in this case they only gave me maybe XXXX  days of forbearance and I also payed this month private loan of XX/XX/XXXX, and I provided the Borrower of defense information and Navient indicated that " Misconduct '' of my school does not meet the requirements for a discharge ''. While at the same time XXXX XXXX XXXX has been closed down for defrauding students.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I received an email form XXXX XXXX XXXX stating that I had a new inquiry on my credit report. 

New Credit Inquiry It looks like someone viewed your credit report. 
New Inquiry : XX/XX/2020 XXXX XXXX I DID NOT check this nor did I authorize anyone to check my credit information. I did not apply for a new line of credit.