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

" In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account number ending in : XXXXXXXX XXXX 15 U.S.C. 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 an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ''
Product: Debt collection

XX/XX/2019, I notified Nordstrom about 2 pages that I ordered on line. I called XXXX XXXX 5 times and Nordstrom did 3 investigation through XXXX. I, still being harassed by Nordstrom in California. Im XXXX by the State of Nj, just because my neigbors  at XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. Admitted they stole my packages XXXX XXXX XXXX XXXX XXXX, NJ XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX stole my packages along with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX along with my NJ motor vehicle drivers license and social security card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ATTACKED MY PHYSICALLY 3 TIMES XX/XX/2019, XX/XX/2019 MY HEAD WAS BANGED TO THE HARD CONCRETE, XX/XX/2019 IN FRONT OF THE XXXX TOW TRUCK DRIVER. IM IN A D XXXX SCAM I ANSWERED AD ON XX/XX/2019. I trported my identity theft and nothing has been done, by the XXXX County police department or the courts.
Product: Credit card or prepaid card

On or around XX/XX/XXXX I found out Bank of America closed my credit card account due to a Bankruptcy filing. Upon investigating this, I found out that someone named " XXXX XXXX XXXX '' that lives in Texas and shares the same last four numbers of my SSN filed for bankruptcy and Bank of America confused me with him and closed my account. After Bank of America investigated on their own, they confirmed that it was not me that filed for bankruptcy and reinstated my account. Before reinstating my account they pulled my credit score with the promise that they would remove it from the credit bureaus as this was not my mistake ( it was never removed, see attachment ). 

After my account was reopened I noticed that I could not log in to my online account with Bank of America. Due to life circumstances, I was unable to call them to try and get this fixed until I called on XX/XX/XXXX. I eventually ended up getting transferred to XXXX at ( XXXX ), he advised me that he would look into this and would call me back.On XX/XX/XXXX I get a call from XXXX and he advises that since the account has been inactive, that I should make a purchase and then try logging in again as the purchase might be able to re-enable my online account. I made a purchase the same day and called him back to let him know that I was still unable to access my account and he then advised me to wait until the charge was posted and try again. Then on XX/XX/XXXX I get a call from him to let me know that my account was now closed due to inactivity and that he was unable to help me out any further. 

On XX/XX/XXXX I received notifications from credit monitoring that Bank of America reported my account closed due to Bankruptcy again and my credit score dropped 93 points from XXXX to XXXX due to this. I called XXXX back and ended up getting a call from his co-worker due to XXXX being off and they gave me the number for the Bankruptcy Unit and transferred me over. I spoke to the Bankruptcy Unit same day ( XX/XX/XXXX ) and they advised me that they would have to investigate this again, but that I would not get a call back from them and that I should follow up in a few days. I also advised them that I have a letter from the other person 's lawyer that I got last year stating that the bankruptcy does not belong to me and they asked me to fax it ( see attachment ).
Product: Mortgage

Hello, I have asked the lender to provide clarification for the balance discrepancies and then asked for further clarification on the Payoff statement. 

The amounts just seem high and there is no breakdown of what the balance pertains to.. 

Please see attached Payoff Statement, which is inaccurate and have not received a response from the lender for the wrongful fees/charges added to this. 

Please advise..
Product: Student loan

Navient has no payment options that are according to my income or realistic. I only make around $ XXXX a year and already have federal student loan debt and needs to survive and cant afford the payments that are nearly double the cost of my rent. 

I told Navient this and they said that Id have to pay for temporary forbearance that wouldnt go towards my balance and after forbearance my payment and balance would be even higher. 

I just cant afford the payments. Realistically payments of over {$1300.00} is just not possible at all.
Product: Debt collection

Child support has an account on my credit that is not mine/inaccurate.
Product: Credit card or prepaid card

Barclays US offers a branded Frontier Airlines Master Card where XXXX award miles are awarded upon opening the account and completing one transaction. Barclays actually has no internal system in place to award those miles. My account has been open 5 months and despite my calls to customer service I'm unable to gain resolution.
Product: Debt collection

There was an account open with a lease to own company named Acima that I have used once before that is not mine. The account was opened in XXXX  and I live in XXXX I looked at the account online through their mobile app and the payment information they have is not mine. The banks name is XXXX and I have never had an account with them I have had XXXX XXXX XXXX XXXX for the last 12 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted Forebearance by my Mortgage company XXXX from XX/XX/XXXX to XX/XX/XXXX -- - They unfreezed my credit and just started this month in XX/XX/XXXX to add negative information- that I was late 26 payment, when i was actually in forebearance. They took one year to modify my mortgage payment from XX/XX/XXXX to XX/XX/XXXX, and just sent my first new statement in over a year ... that my payment was changed from {$2800.00} to {$2500.00}, new payment effective XX/XX/XXXX. Also I wrote back on XX/XX/XXXX that my common law spouse also a co-borrower on my the shared mortgage loan, died back on XX/XX/XXXX as i have death certificate on file, wrote a hardship letter to XXXX... they have ignore my request. XXXX XXXX was a XXXX XXXX working the XXXX  XXXX XXXX  at XXXX XXXX and also at a XXXX XXXX... .was very sick from XX/XX/XXXX to XXXX XXXX when he died at home from XXXX causing mulitple XXXX in his body. I requested XXXX for hardship on my mortgage loan and they have ignore my request. I am seeking further help for CFPB to intervene in this matter. Their Loss and migitation department is a mess, that handle forebearance customers ... .I request help many times..and they are messed up my credit report as being late 26 times.
Product: Credit reporting or other personal consumer reports

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Ttle and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and XXXX. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem is with my XXXX report hand the way the agency has handled my dispute, I noticed two fraudulent account on my report back in XX/XX/XXXX, After inquiring around I was told how to tackle this issue I reached out to XXXX and ask them to provide me facts that this account is accurate and to provide me proof and method of verification, however all they did was send me back a report saying that it was verified no insight, Ive contacted the two creditors who have failed to corporate because they have sold the account so they are not investigating and XXXX is not demanding that these two creditors supply detailed information to me, I them reached out to FTC and they told me that I need to fill out the IDENTITY THEFT REPORT which is the same as a police report and send it to XXXX and they must delete the fraudulent accounts in 5 buisness days, XXXX have ignored this order and continue to report these unauthorized accounts, they have never done any true investigation, Im asking that the CFPB look more into XXXX  and see to it that they are following the fair credit reporting act, which clearly state that they must go beyond the original source of the information to prove accuracy, its also the reporting agency job to make sure the account is correct and they also have the authority to remove the files if they are not accurate in findings and if you find its accurate supply the information to the consumer ... XXXX have done none of the following, the accounts are listed below ... also XXXX continues to make updates every time i dispute like removing a late payment or two then next dispute adding a late payment and they are doing this and then sending me a verified and say they updated the account, but why u keep making changes? And then reversing changes no investigation is being done and the account is to be delete as they are not mines ACCOUNT : XXXX/CBNA ACCOUNT : XXXX XXXX
Product: Prepaid card

On XXXX/XXXX/XX/XX/2015 I discovered that XXXX prepaid debit cards that I had purchased had been used by someone to make small fraudulent charges. I reported this to USBank. The cards were deactivated to prevent further fraudulent charges. When they were deactivated, the money I had placed on those cards were also made unavailable. I was instructed to fax information into the disputes department so that I could go about getting my money ( {$400.00} ) refunded ( fax included - proof of possession of cards, receipt for purchase of cards, my contact information ). On XXXX I called inquiring about status and was told to call back after 10 business days had passed. On XXXX I called and was told I 'd need to call the fraud department the next day. Today, XXXX I was told that I never needed to send a fax and that I would need to wait to receive a letter in the mail. Then after sending back the letter, i would need to wait 45 days for an investigation before my funds are returned. I asked to have my funds that were remaining on the cards but not in dispute returned to me immediately ( approximately XXXX ) while waiting for the disputed charge ( approximately XXXX ) to clear. This set off a maze of phone calls and conflicting information from representatives about the current status of my dispute and how long it would take for me to receive access to my funds. At this point it is unclear whether USBank is even appropriately attempting to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts have violated my rights. 

1. XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX - XXXX {$350.00} XXXX. XXXX XXXX BALANCE {$170.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions also have inquiries that do not belong to me. 

1. XXXX Inquired on XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX
Product: Checking or savings account

Subject : Formal Complaint Regarding Delayed Direct Deposit and Urgent Financial Hardship Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One concerning a delayed direct deposit that has caused significant financial hardship for me and my family. My direct deposit, which was sent to Capital One at midnight on Wednesday, has still not been processed or made available as of Friday at noon. Despite contacting Capital One customer service on Thursday, I was assured that the funds would be available within a few hours. However, more than 24 hours have passed, and my funds remain inaccessible, with no further communication from the bank regarding the delay.

This delay is causing an immediate crisis for me and my XXXX children. My checking account balance is only {$8.00}, and without access to my paycheck, I am at risk of having my electricity disconnected just before a winter storm hits Texas. Additionally, my refrigerator is nearly empty, and without the ability to purchase food, I am unable to provide for my family. We also have prescriptions waiting at the pharmacy that I can not afford to pick up. 

I have made repeated attempts to contact Capital One for clarification and assistance, but each time I am placed on hold for over an hour, ultimately giving up without speaking to anyone. I have no other financial resources or credit, and the situation has left us in a dire position with no means to address our basic needs. 

I am seeking the CFPBs assistance in addressing the following : Immediate Access to My Funds : Capital One should be required to make my direct deposit available immediately, as it is causing severe financial distress.

Assistance or Credit : In light of the banks failure to process my deposit in a timely manner, I am requesting that Capital One provide temporary financial assistance or credit to ensure I can cover basic living expenses while they resolve the issue. 
Accountability and Communication : I am requesting that Capital One be held accountable for their failure to notify me promptly about the delay and their lack of responsiveness when I attempt to contact them. 
I understand that technical issues can arise, but the lack of communication, failure to resolve the issue in a timely manner, and lack of alternatives or assistance has placed my family in a vulnerable position. I am unable to meet essential living needs, and the situation is urgent given the approaching winter storm. 

I respectfully request that the Consumer Financial Protection Bureau intervene to ensure that Capital One fulfills its obligations, communicates clearly with customers, and provides compensation or relief for the distress caused by this failure. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE 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 XXXXXXXX XXXX XXXX XXXX Reference # : XXXX This account has resulted XXXX several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to request the removal of a closed account with late payments that has been paid in full. This account is reported solely on my credit reports from XXXX and Experian, and I believe its presence is unfair and does not accurately reflect my current financial situation. 

The details of the account are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX My request is based on the following laws : Inaccuracy of Information : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information in my credit reports. The existence of this closed and fully paid account with late payments may be considered inaccurate in the context of my credit history.

Responsibility to Report : According to 15 U.S. Code 1681s-2, creditors are required to report accurate and truthful information. The presence of this account may not align with that obligation, given that it has been paid in full.

Right to Deletion : Under applicable laws, there may be grounds for the removal of information that does not accurately reflect the current status of an account. A closed account that has been paid in full but contains late payments may unjustly affect my credit history.

Given these points, I kindly request that the CFPB investigate this matter and facilitate the removal of this account from my credit reports. It is essential for my credit history to reflect accurate and fair information. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Student loan

On XX/XX/2023, I submitted my final Public Service Loan Forgiveness ( PSLF ) Employment Certification Form ( ECF ) and forgiveness application that should have resulted in discharge of my student loans. This form was received by Mohela the same day. 

On XX/XX/2023, when I called to check the status of my application, I was told that I had to resubmit the final employment certification form because of an error on Mohela 's end that resulted in a " duplicate form ''. If I resubmit, it will result it me losing my place in line and having to wait an additional 30 days on top of the 75 days I have already waited. 

On XX/XX/2023, I submitted a XXXX complaint. 

On XX/XX/2023 I received a response to the XXXX complaint that didn't address my concern. They stated that I should submit another ECF form if I want my employment certified. I shouldn't need to because the XX/XX/2023 form is my final Employment Certification Form that should have resulted in me getting forgiveness. 

On XX/XX/2023 I am submitting this CFPB Complaint where I am requesting an expedited re-review/audit of the XX/XX/2023 PSLF ECF form that I submitted and Mohela received. When Mohela reviews it, they will find that my payment counts will be updated to over 120 qualifying me for forgiveness.
Product: Debt collection

they didn't provide me with my original signature, And two this letter clearly says pay XXXX balance in full
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, transunion, XXXX I just received my investigation results. Report XXXX and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX