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

Transunion and XXXX were asked to provide Please provide the following : Agreement that grants the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting The means of which this information was VERIFIED and VALIDATED For the account thats been reported as fruad. 
In the packet sent none of these items arrived. There was 0 proof for any of these items being validated which checks out with Transunion not running FCRA disputes as they have previously been caught not doing. Statements are inaccurate and missing information and provide no real information yet Transunion failed to do this investigation on their own
Product: Credit reporting or other personal consumer reports

incorrect information that does not belong to me, was not verified when requested or obtained illegally. Will not remove from my report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Requested debt validation 3 times and never received requested information
Product: Student loan

Due to the impact of the COVID-19 virus situation, I called two companies, XXXX XXXX and American Education Services today ( XX/XX/2020 ) to seek forbearance for three months on my student loans payments. The service representatives, in each case, told me that the forbearance will be decided upon later and they will let me know the status but the interests on the loans will continue to accrue during the period of forbearance in case they are even approved. 

I feel that these two companies are heartless ones who don't have the needs of the American citizens at heart but are only interested in their profits no matter what is going within the lives of the citizenry and should be called to order asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two disputes to update the following information one on XX/XX/XXXX and one on XX/XX/XXXX - nothing has been done. Please see below as this is the information that was sent to the bureaus. <P/>The following account needs to be UPDATED AND CORRECTED : Creditor Name : ARVCNTRLMTG Account Number : XXXX The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected. Two bureaus are reporting an Open status, while while the other is reporting as derogatory, this is inaccurate this mortgage is OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all three reports and should reflect a monthly payment amount of {$1900.00}. One bureau is reporting no term which should reflect 360 months. The payment status is incorrect on XXXX and should show a payment status of current. The dates being reported as last active are all inconsistent.
This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX 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 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 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.

Experian 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: Mortgage

We are currently working with a lender called XXXX XXXX XXXX  as well as a realtor for us to be able to do a Short sale on our home and continue to live there with our children however SLS and XXXX XXXX XXXX could not come to an agreement on the terms of the Short Sale. On XX/XX/XXXX SLS gave an approval for a short sale. from that time SLS and XXXX were sending emails back and forth with counter offers to each other until XX/XX/XXXX the XXXX approved a SS for the amount of {$4800.00}. However SLS stated that XXXX should only accept an offer of {$1900.00} as they claim that the agreement for the XXXX is to receive 10 % of the second lein holder 's principal balance. XXXX will not budge stating that there is no written agreement or regulation from the US treasury department that oversees all lenders about this issue. On XX/XX/XXXX SLS hostated that XXXX does not have to participate in the short sale and they are given the opportunity to receive a small compensation on their loan that would be Quashed in a foreclosure.Again our agent stated that this is wrong information because if the second lein holder does not participate then the property will never have a clear title. I have all the corresponding emails and am hoping someone can help us with this. We just want to live in our home with our children and have this resolved. We are stuck in the middle and the stress it is causing has affected us mentally and physically. Please reach out with your guidance. Sincerly, XXXX XXXX
Product: Checking or savings account

Up until XXXX XX/XX/XXXX I have been able to access my Chase checking and savings account through the web and mobile app, and have done so for 10 years as a customer. 

On Thursday XXXX XX/XX/XXXX I transferred {$10.00} to an external bank account and the money was received. On Friday XXXX XX/XX/XXXX I could no longer login to Chase web or mobile app and was directed to call a number because my account had been suspended. 

I contacted the call centre and was informed that my identity needed to be re-verified with the bank. I was informed this could only be done in-person at a branch or that I would have to contact a branch. That is a problem for me - I currently live in XXXX and there are no Chase branches. 

I contacted the XXXX branch ( where I opened the account in XXXX ) multiple times through late XXXX and early XXXX to seek further information about why my account had been suspended and how to fix the problem so I could regain access and conduct transfers. Each time I was told that it had been suspended because my ID needs to be re-verified ( first time this has happened in 12 years .... ) and that it could only be done in-branch. 

I asked for it to be escalated to a manager- the manager couldn't assist me. Said that Chase policy requires in-branch verification. I then asked who I could speak to within Chase bank that had a better understanding of verification procedures for people living abroad - multiple times I asked for help, and to-date I still have received nothing. 

When I call a Chase help centre, no one can help because its not a standard request. When I call the Chase branch ( XXXX ), no one can help because the branch doesn't deal with ID verificaiton procedures aside from sighting documents in-branch. 

I also can't ( perversely ) lodge a complaint directly with Chase because I can't login to my account to do so! I asked the XXXX branch to lodge an official complaint internally for escalation - that was on XXXX XX/XX/XXXX via phone. I have never received a receipt for the complaint lodgment, nor a follow up or a response. 

I am genuinely stuck. I have {$2000.00} in the account which is now frozen and I can not access. I would like assistance from Chase to a ) re-verify my accounts ( if that's what's required ) and b ) assistance from Chase to transfer money once again. 

Thanks, and appreciate this service being available - I don't know how else to engage with the bank, it's not easy being abroad an unable to visit a branch. 

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

XXXX has already removed the XXXX XXXX XXXX account due to identity theft since i sent in all the legal required documents. You MUST REMOVE IT AS WELL. YOU ARE PAST 4 DAYS SINCE RECEIPT TO REMOVE IT
Product: Debt collection

On XX/XX/XXXX I had XXXX and provider ordered sequential compression stockings to be worn at home for 2 weeks XXXX XXXX. Claim was submitted to XXXX XXXX XXXX XXXX XXXX for the amount of {$5900.00} by XXXX XXXX XXXX. Id not heard anything from the company or debt being owed until this past week, XX/XX/XXXX. A collection company called Collection Associates in Wisconsin sent a collections letter. I called and asked what it pertained to. They stated it had to do with sequential compression stockings. I wasnt sure which ones they may have been talking about since I wore some while in the XXXX, XXXX XXXX XXXX in XXXX, after XXXX and ones that I was ordered to wear by my provider once I was XXXX. I called the Providers office by whom they had been ordered. They stated they didnt show me owing anything at their facility and to try XXXX XXXX I called XXXX and they stated I owed nothing there and they would contact the XXXX XXXX XXXX representative. The representative called me and stated he showed me not owing anything and that the debt was most likely written off. I told him Id never received a bill. He stated that a 3rd party must have bought the debt and trying to collect. I called XXXX XXXX XXXX to see what the claim status was. I was told they could not give me a copy of the XXXX  but that it was denied because the company did not provide documentation showing that I wore the sequential compression stockings. The XXXX XXXX XXXX didnt respond to them or resubmit the claim. I was not aware that this was an issue. There would be no documentation since I took them home to wear. I do not know where to go from here. I do not feel that I owe this full amount since it was not submitted to my insurance company correctly or my insurance should have covered it. It was not resubmitted and I was not called nor mailed regarding that I owed anything. Please help.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX XXXX is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, a construction company installed a sunroom without a permit ( permit is included in the contract with homeowner ) and informed the financial institution that it was completed. The financial institution disbursed the funds ( $ XXXX ) without confirmation from the homeowner. The XXXX insti. sent an email/notice to the homeowner that the funds was disbursed for completion of the project. 
The homeowner informed the financial inst. that the project wasn't completed due to failure to obtain permit. And asked what is their process in place before disbursing the funds. Financial inst. declined to respond via email. 
XXXX spoke to XXXX inst. over the phone and was told that " as long as the project was installed, funds will be disbursed.
Product: Mortgage

i have been with wells fargo for over 15 years i went delingent back in XXXX. of XXXX my lawyer was able to get me state my home ct. XXXX but she said i had to complete 3 trial mortgage payments of XXXX which i did and then they would the XXXX towards my mortgage i let everything go to make those payments they said i owe XXXX on my mortgage how is that possible they did not take any of those payments off that i already made before i became pass due. but now they say i have to due more payments before they will add the XXXX they gave me a payment which is not afordable to me. in XXXX or XXXX they gave me a modification they took XXXX out of my payments to pay a lawyer for the modification and i also think i paid for other modification i am only on soc. sec. wells fargo is ripping me off i know thew have been pocket my money i am XXXX XXXX XXXX they want XXXX a month if i pay that i will have no lights no oil no tv no nothing. they are to take everything from me i was suppose to make 3 trial payments and wells fargo was suppose to add XXXX
Product: Credit card

Made a Washer purchase from sears on XXXX/XXXX/15 cost {$950.00}. Was told if I opened a account, would get promotional discount and no interest for 12 months. The washer was defective and returned. An exchange was made on XXXX/XXXX/15 cost {$900.00}, before the XXXX item was delivered. I change canceled the XXXX washer and purchased a lower cost washer {$840.00}. I made several payments but notice as higher balance on the account and was told I was being charged for XXXX washers. I called several times disputing the amount. After several attempts I was told as long as the account was in dispute, there would be no attempt to collect on the disputed amount. That was untrue as I received multiple calls to attempt to collect on what I did not owe. After all the calls I did not receive the promotional discount.
Product: Credit reporting or other personal consumer reports

Hello, this happened on XX/XX/2023, I went to a car dealership to buy, I shared my personal information so that an inquiry could be made with my bank, but apparently they shared this information with many other lenders without my authorization, so I am disputing these inquiries, which I do not know
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed in the recent hack of Equifax 's data. I have received no specific information from Equifax on what data was exposed, and have only been offered credit monitoring at the potential cost of releasing them from any liability for their compromising of my information.
Product: Money transfer, virtual currency, or money service

I am filing a complain again Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash app fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, this dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Debt collection

I contracted services from XXXX on approximately XXXX for Internet Services. In XXXX of XXXX I cancelled services with a credit balance - which to date I have not received. In XXXX of XXXX I received a collection letter from a collection agency stating that I was delinquent approximately {$100.00} owing to XXXX. After contacting XXXX they identified that a return shipping label and request for hardware return was never issued upon cancellation. The XXXX representative issued a XXXX return label. The modem and related cabling was returned at the XXXX XXXX XXXX, in XXXX Utah with the provided XXXX return label. This past week - XXXX/XXXX/XXXX I received a second notice from the collection agency stating an outstanding balance was still owed. I again contacted XXXX of the issue and they [ XXXX XXXX XXXX stated they are unable to identify the location of the shipped hardware and are unable to assist with a resolution. I have copied the full dialog for reference. Since XXXX has received the hardware or has proof that the hardware was received, I would appreciate them updating the derogatory collections reporting and issue my outstanding credit for over payment.
Product: Credit card or prepaid card

I have never been late with these accounts, and I kindly request that you update my credit report accordingly.
Product: Credit card or prepaid card

Because of COVID19 my husband and I lost our income when the governor of CA ordered everyone to go home. This meant no more income for us. 
We tried to work and navigate with our credit card companies but CapitalOne refused to reimburse us the late fee our account incurred. 
On XX/XX/XXXX, because we have had no income it was hard to pay this credit card and they charged {$22.00} for late fee. I tried to have it removed and they couldnt help. 

CapitalOne is a XXXX dollar company and they cant help a client with a {$22.00} late fee? 

I am requesting that the CFPB protects the interest of the American citizens being taken advantage of by unscrupulous CC companies
Product: Credit reporting or other personal consumer reports

This debt is being reported by multiple companies on my credit report and does not meet the FCA reporting requirements. I do not recognize how or why it is reporting. I have contacted this agency to correct this issue and have not received a response.
Product: Credit reporting or other personal consumer reports

Pay tomorrow and somebody took it out in my name and it was not me and theyre not paying on it
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I XXXX be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous items listed on my credit report that are erroneous and inaccurate. This is having a serious negative impact on my overall credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Consumer, dated on XX/XX/2022 demand Capital One Bank USA National Association ( Capital One ) to Cease and Desist communication with my consumer credit reports pursuant to 15 U.S. Code 1692c ( c ).

Failure to comply will result in fines. Best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 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 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