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

since 2020, I have fervently reached out to the consumer reporting agencies as well as the creditors listed on the attached documentation regarding how Ive been impacted by XXXX data breach. Ive informed the consumer reporting agencies of the identity theft as well as provided the consumer reporting agencies with sufficient proof in the form of affidavits, as well as locally filed police reports regarding the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX bank. Despite my continuous, dreadful, and unsuccessful attempts to rectify my credit file, the consumer reporting agencies have been negligent and non-compliant to the FCRA 605b and promptly blocking and removing these accounts from my consumer credit profile. I have informed the consumer reporting agencies that the accounts listed on my affidavit are not related to any transactions made by me, and that my request was not made in error. a result of XXXX data breach, XXXX have promptly blocked and removed the account from my credit file, however, XXXX and Transunion have refused to do so by stating that they do not block and remove accounts. I am requesting that the CFPB aid me in the removing of these fraudulent accounts from my profile, as I have endured tremendous adversity as a result of this breach. I am also using this final, good faith attempt with clean hands, to support me should I have to seek monetary damages if this final attempt is unsuccessful. attached are the following : XXXX qualification claim that proves I was a victim of XXXX data breach, FTC affidavit, local police report, drivers license, and Social Security card.
Product: Credit card or prepaid card

Capital one willfully refused to remove the late fee on my payment. My payment was postmarked XX/XX/2020 and it wasn't allegedly processed til XX/XX/2020. I called them the night of the due date which was XX/XX/XXXX around XXXX, because they had charged my account as late. I explained that this happened in XX/XX/XXXX or XX/XX/XXXX and it was resolved, and i informed them that they were in violation of title 15 for unfair practices, that i can't control what happens when mail leaves my possession, to note the account and i was told that they can not and their system doesn't work like that. After that, it was just a tennis match. I would refer to title 15and he would agree but then attempt to rebut what i told him. I haven't spoken with them since because I am tired of the slavery being inflicted upon me. I will never pay the card completely if they are going to continue with that behavior. I checked some of my old statements and i saw the same activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the following inquires in the attached consumer report. Block and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/TOTAL ( XXXX XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX has deleted the incorrect account. XXXX and XXXX continue to report account is verified and validated. When I asked for proof of validation, XXXX XXXX XXXX sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the debt.
Product: Student loan

My student loan servicer was perviously XXXX and now it is Navient both whom I had major trouble with. I owe XXXX in student loans and I am on the IBR plan. My monthly payment has been calculated to zero due to low income. Despite my low income I was getting help from my family and making payments anywhere from dollars XXXX for the last few years. I have always requested my payments to be applied towards my principal but my payments were not applied correctly, my balance has still not gone down and is always the same. XXXXNavient is just scamming students and has been doing so for years. How is it possible that after all these payments I am still at the same principal balance. I kind of gave up now and really can not afford to play these games with them anymore. I was told by a financial advisor to ask them over the phone whenever i make a payment to have my payments applied towards my principal. They have not done so and have applied my payments towards interest even though there was no interest that had accrued at that time. These student loans and servicers will eat my life away just unbelievable. Instead of helping students succeed so we have more educated people in the USA they make it almost impossible to pay off these student loans and making them absolutely not affordable for students by redistributing payments wrongly. I have enough of this, this is not how students should be treated and suffer. I have enough of this and as of next week I am filing a lawsuit.
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 all 3 credit bureaus 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. These are the following remainig collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccuracies that do not reflect my financial transactions or credit history. This situation is a direct violation of the Fair Credit Reporting Act, notably under Section 15 U.S.C. 1681e ( b ), which obliges credit reporting agencies to ensure the accuracy of the information they compile on individuals. Enclosed are the documents that substantiate my claims of these discrepancies. I request an immediate investigation and the correction of these inaccuracies.
Product: Mortgage

Wells Fargo purchased my mortgage from XXXX, subsuming the terms of my mortgage contract. Wells Fargo has been accepting timely payments from, however refuses to apply them toward my monthly payment. They are instead registering them as " Payments to principal '' -- one of their representatives notified me over the phone that they would still expect a " single, one time payment in the exact amount of the bill '' every month. 

The payments I make toward my loan are to be applied at my discretion ; the representative informed me that they would keep applying them to principal regardless of what my wishes are. To date I have received one legal correspondence from Wells Fargo notifying me that my " XXXX '' payment is overdue. From XXXX through XXXX I have submitted {$970.00} in payments. From XXXX through current I have submitted an additional {$310.00} toward monthly payment ; which the rep told me was not applied toward payment.
Product: Credit card or prepaid card

I have tried on two separate occasions to redeem credit card rewards from my Chase credit card. The first time was in XXXX, I tried to purchase a flight using Chase XXXX XXXX  website, but received an error. I tried to call in and sat on the phone for over an hour trying to get someone to help me, and they couldn't explain why I received the error on their website. They thought it was just a problem with the website being down. 

Now, on XX/XX/XXXX I tried again to redeem a flight using my reward and received the same error I received in XXXX. I called to speak to someone on the phone. I was on the phone for over an hour, with them telling me they were receiving an error on their system multiple times, and eventually escalating to a supervisor. It ultimately took me almost 1 hour and 30 minutes. 

Chase advertises that if you redeem rewards for travel on their rewards site you get 5 % back on those rewards purchases. However, they have made it nearly impossible for me to do this on multiple occasions. What I have done to avoid this is just use that credit card to book a flight on my own, through the airline, and then just redeems rewards for cash back on my credit card, but missing out on their advertised 5 % cash back since I did not book through their XXXXXXXX XXXX website. I upgraded my card last year, to this card with a {$95.00} fee as they advertised their 5 % cash back offer on travel booked through their website. I have yet to be able to successfully and efficiently do this. This feels like a deceptive practice of falsely advertising a service that is nearly impossible for me to use.
Product: Mortgage

My Mortgage and escrow was transfered from Chase to XXXX XXXX   DBA XXXX XXXX on the XXXX XX/XX/XXXX. 

Upon checking my online Chase account I see that on XX/XX/XXXX the follwing happened : 1 Escrow XXXX was transfered 2 Servicing Transfer XXXX 3 Restricted Money Adjustnebt XXXX 4 Late Charge Waived XXXX My new servicer XXXX XXXX is showing the late charges and and a {$15.00} fee from XXXX that I knew nothing off from Chase until today. 

As far as I am concerned the late fees from Chase have been removed as waived means waived. Payment means payment and waived should mean waived. 

Any other late fees I have had waived in the past have been waived with exactly the same meaning on my account
Product: Credit card

Received a letter on XX/XX/2023 ( dated XX/XX/2023 ) that my credit card was cancelled due to inactivity. I never received a letter, email notice, or notification message in my online account that the account would be closed due to inactivity.
Product: Debt collection

Hello, I have sent several letters to PRA, LLC asking that they provide method of validation for a debt they claim I owe and has been reported to the credit reporting agencies. I have also requested that they send me original documentation that has my proof of signature for such account. 

Intern, the company responds back claiming they 'verified ' the debt with the original creditor and it appears to be accurate. They told me that at the time of sale, the Seller provided an electronic file of the business record containing such information concerning the account. All they have provided me is a summary that was hand typed and some old statement from the creditor I would have to assume. There was no proof of the original creditor validating or certifying the debt. Nor did I receive documentation from the original creditor that has my signature on it. PRA has not 'Validated ' that the debt they claim to be mine. I am looking for 1 ) Method of Validation - who certified ( validated such debt ), contact information and the original documentation that has my signature on it. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all
documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. Please find attached responses from PRA.
Product: Debt collection

recieved a letter from capital management services that I owe a debt from XXXX  XXXX XXXX for {$3200.00}. There is no verification that amount is my debt. No options were included. They have called me nonstop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file either in error or result of identity theft. Please assist me in getting these accounts and unauthorized inquiries removed from my credit file. I did not authorize anyone to apply for or open any accounts using m personal information. Please see the attached Identity Theft Form. 

The following accounts does not belong to me : XXXX   XXXX XXXX XXXX XXXX/XXXX  XXXX  INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Payday loan

I took out a loan for {$1000.00} from Big Picture Loans on XX/XX/XXXX. I was told my first payment would be {$350.00} and my payments would go down after that. I had no idea the interest rate was so high, and after paying {$700.00} to this company, I sent an email to Big picture loans on XX/XX/XXXX stating that I was facing financial difficulties and would like to work out a more affordable payment plan. I never received a response, and when I attempted to reach them via phone, I was only put on hold and no one answered my call, despite their claim that they 're available 24/7. Because I could not contact them, I stopped payment on the next {$350.00} withdrawal and again attempted to contact them via phone, to no avail. On XX/XX/XXXX, I sent them another email stating that I had missed my previous payment due to financial hardship, and that I wanted to work out a payment plan and had paid {$700.00} already, but again, no response save for an automated email which directed me to call if I had n't heard back from them. Again, could not get a real person. I realize that this is a debt I owe, but I feel I was misled regarding the payment amounts and am frustrated with the lack of ability to communicate with this company. I am also unable to look at anything regarding my account online because it is past due, so I ca n't view the disclosures at all. This company is predatory and unreliable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

My account with 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 in XXXX  days 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 XXXX  days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently mailed a letter to Credit Bureaus for disputing items appearing on my credit report, which they maintain. The response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. 
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX  OF XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor 10 XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 

XXXX XXXX XX/XX/XXXX {$90.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX
Product: Debt collection

first citizen bank gave me short term XXXX 7 year loans on my home for 18 years XXXX. was the end of my loan, after I made XXXX payment I went to see XXXX XXXX bk. manager he put me off saying it was too early to start proses I contacted XXXX they wrote me a loan with XXXX loan I was still working with first citizen they said I could get {$300.00}. to {$1000.00}. closeing cost. XXXX had my loan ready with a {$4200.00}. closing I stay in contact with XXXX there was always some delay I finly told XXXX to close. then first citizen charge me a {$5600.00}. late fee it change my debt to income {$29.00}. to low I had to take a XXXX loan with XXXX my credit score was XXXX first citizen cause the delay I never had a late payment for 18 years, I contacted customer service for someone else to handle my loan no change, first citizen cause all the delays and no reasen to charge me alate fee I wont my money back
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$780.00} XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX Balance : {$610.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Non-Compliance with FCRA by Trans Union Dear Consumer , Financial Protection Bureau, I am writing to file a formal complaint against [ Credit Reporting Agency, e.g., XXXX ] regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a dispute I submitted about inaccurate information on my credit report. Despite my repeated requests, [ Credit Reporting Agency Name ] has not provided proof of how they verified the disputed information, which I believe is a clear violation of FCRA requirements. 

Details of the Complaint : On numerous occasions, I submitted a written dispute to Trans Union regarding inaccurate information on my credit report. Specifically, I requested the removal or correction of the following information : I followed up multiple times, on numerous occasions, requesting a detailed response explaining how Trans Union verified the disputed information. To date, I have not received any documentation or specific details regarding the verification process, despite my requests, which is my right under the FCRA. 

FCRA Non-Compliance : The FCRA mandates that consumers have the right to be informed of the methods and sources used by credit reporting agencies in verifying disputed information. By not providing this information, I believe [ Credit Reporting Agency Name ] is not adhering to federal requirements designed to protect consumer rights and ensure accurate reporting. 

Request for Assistance I request that the CFPB assist in holding [ Credit Reporting Agency Name ] accountable for its lack of transparency and non-compliance. Specifically, I would like the following actions to be taken : Trans Union should provide the documentation of how they investigated and verified the information in question. A thorough review should be conducted to ensure compliance with FCRA guidelines. Enclosed with this letter are copies of all correspondence, including my initial dispute letter, follow-up requests, and any responses ( or lack thereof ) from Trans Union XXXX I hope the CFPB can assist in resolving this matter to ensure the protection of consumer rights. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring compliance with federal regulations and a prompt resolution.