23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase had sent me two letters recently claiming that they could not locate the transaction information that I requested. 

Chase has not provided any reasons why they could not locate the information nor they identified clearly on their letters which transaction information they are referring to.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. The accounts and inquiries listed attached in this document are a result of identity theft. please remove!
Product: Debt collection

I reached out to XXXX XXXX, and they informed me that since it is a XXXX debt, I need to contact the debt collection agency for any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has reported that I have a store credit card with them and it just hit my credit reports. I do not have a  XXXX  card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 | presumed that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/ 2024, several times I attempted to sign in to my credit card account. Each time after I entered the new code sent to me in this two-step authorization process, Capital One terminated the process and went back to its blank generic page. When I called customer service, Capital One was unable - or unwilling- to identify the problem with its IT. I was told just to try again on another date, without resolution. Thus, I am unable to make a payment that is due.
Product: Student loan

Chase private student loan went into default because Chase transferred servicing to third party company and I did not realize. Letters were sent to old address, Auto-pay did not transfer over and I did n't notice until my credit score took a large hit ( XXXX to XXXX ) from the default. Servicing company XXXX took over the loan, which I confused with XXXX ( another Chase servicing company ) with whom I already have federal loans. Everything was current with XXXX, I thought nothing of it. Chase can not /will not reverse default.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


EQUIFAX XXXX XXXX  XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Flagstar for the past two years has not made my insurance payment via escrow. In XXXX, I received a cancellation notice from XXXX XXXX XXXXXXXX due to lack of payment. I then conference called both Flagstar and XXXX XXXX XXXXXXXX to resolve the problem. In XXXX, it happened again. On XX/XX/XXXX I conferenced called both again to resolve. A check was supposed to be overnighted and the insurance would be updated. Yesterday I was working with a refinance company and found out that the insurance was never paid by Flagstar but there system was updated as the insurance was good until XXXX which is not the case at all. Our house has been unprotected since XX/XX/XXXX, XXXXdue to Flagstar not making a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I faxed a complaint to Carrington Mortgage due to late payments reported on my credit report while I was on a COVID forbearance program, as my wife had contracted XXXX  twice in XXXX and was hospitalized, causing a loss of income and increased medical expenses. I included copies of the mortgage statements that they had sent to me during this period of negative reporting, which clearly state on the statement that You are currently on a COVID-19 Forbearance Plan. See additional information related to COVID-19 Forbearance Notice on page 2. The same statements further state : " IMPORTANT COVID-19 FORBEARANCE NOTICE : You are currently on a COVID-19 Forbearance plan. Please note that the billing statement shows the Amount Due, which is the contractual amount needed to bring the loan current, however, you are not required to make any payments during the COVID-19 forbearance period. In addition, your account will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the COVID-19 forbearance period. Please refer to your COVID-19 Forbearance plan letter or visit your account online for more details. '' However, their response was that while the statements indicated the active forbearance there were other letters sent advising that the forbearance was expiring. However, I extended the covid forbearance and they don't have any documentation stating the forbearance expired or was extended, even though they continued it for a period thereafter. 
Furthermore, when I asked for reinstatement options they referred me to the State of Texas website which indicated that my income was too " high '' for any programs and I had to come up with twenty four months of payments in one lump sum to avoid foreclosure. I paid over {$29000.00} to keep my house after being on a government backed forbearance program. How did anyone expect to pay all the months that were deferred in one lump sum payment? Also, during the forbearance period Carrington would not accept partial payments. This was a terrible and frightening experience to have the threat of losing our house after dealing with Covid. I feel Carrington is not supportive of the governments efforts nor the situations that some of their borrowers faced on these unprecedented times. And I would also ask why the government programs could not help all Americans that were on these deferred programs. 
I have been unable to refinance this mortgage or obtain credit due to these marks. It has had an extremely detrimental effect on our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for my free credit report and was mislead into my Debt card being charged. On or about XX/XX/2019. 1 unauthorized charge of {$19.00} and 1 unauthorized charge of {$29.00}. I called Transunion XX/XX/2019 and the company rep agreed web page was misleading and reversed the {$19.00} charge and would not reverse the {$29.00} charge. I asked to speak to a manager and after speaking with the manager as a " courtesy '' he reversed the {$29.00} charge. 
The methods used to charge my card I feel are predatory.
Product: Student loan

A check for the amount of {$6200.00} was cut by XXXX XXXX XXXX and mailed to Mohela student loan servicer on XX/XX/24. The check was cashed by Mohela on XX/XX/24. Student loan account number is was suppose to be applied to is XXXX. 

However to date, the payment has still not be applied to my account and they are still requiring my monthly payment amount. 
Myself and XXXX XXXX company have spent hours on hold trying to get a hold of someone. We have repeatedly sent proof of payment and that the funds were cashed by them. No one gives us answers and no one at Mohela can find where the funds went.
Product: Debt collection

Contacted by Concord XXXX, XXXX stating I owed {$300.00} from an outstanding payday loan from XXXX 2011 from XXXX XXXX. They had the last XXXX digits of my ss #. I stated this was not my debt but they stated their was state and federal confirmation that this was a valid debt and collection procedures would be starting. I tried to get them to explain how I resolve this matter since it was obviously a scam and they hung up on me. 

Tried to call back but they said they would transfer me to my case manager even though they did n't even ask for my name! Sounded like the same guy that hung on me the first time I called. 

Was on hold and no one ever came on the line.
Product: Credit card or prepaid card

I have an American Express bluebird card that I just recently switched my VA compensation direct deposits over to. I had one check go in and my stimulus check then after 2 maybe 3 days by of paying my bills, bluebird locks my card for some reason. I was told to call customer service to have them unlock it. Well, ... nobody ever answers. I held on today for 1 hour and 27 minutes. Can't log on and fix it ... .I put in user and pass next page says card locked and go no farther. The so called account protection department bc will not ever answer either so you either get hung up on or wait for bb nothing all day long. That is EVERY XXXX my family has and we will definatley not make it with nothing. Somebody's head needs to roll.
Product: Credit card or prepaid card

on XX/XX/XXXX I did a promotional offer on my XXXX card for {$290.00} for deferred interest for 1.5 yrs. My minimum payment went up and I was assuming that XXXX like other lenders was applying my payments to the promotional balance in such a way as to ensure that balance would be paid off first. They weren't. I have 99 days left ( due on XX/XX/XXXX and I have a balance of {$250.00}. I do paperless billing. If I had not clicked on a link I would have never seen that I will shortly be incurring a {$100.00} charge in interest that would cause me to go overlimit and start incurring overlimit fees and potentially late fees as I struggle to bring my account current and not-overlimit. 

This is deceptive payment allocation practices and when today XX/XX/XXXX I contacted XXXX I was informed of their policy which is to apply only amount OVER the minimum due to promotional balance ( I didn't realize that so their disclosures if there we any, are not obvious enough ). This practice seems very deceptive and encourages their consumers to get into overlimit situations which can also impact their credit. Set up to fail!
Product: Credit card or prepaid card

I noticed XXXX fraudulent charges on my Bank of America XXXX  XXXX Credit Card. These charges were made on XX/XX/2021 to SXXXX XXXX in the amounts of {$1500.00}, {$1300.00}, and {$970.00}. I reported these charges as fraudulent to Bank of America. I received a letter from BoA dated XXXX stating that the claim had been resolved in my favor. Next, I received a letter dated XXXX that stated that the merchant had provided documentation confirming my receipt of the merchandise or service. This is not possible. I absolutely dispute that I ever made these purchases. I have no knowledge of them. I neither made these orders nor received anything from this company. So, I sent a letter to BoA requesting a copy of the documentation provided by XXXX XXXX. They replied with a letter dated XXXX again stating that the merchant had provided documentation, but they did not provide me with any proof or copy of this documentation. I have hired a lawyer who has sent them a letter requesting the following : Name and address of the purchaser Address or email address where the tickets were sent Relevant device information relating to the purchase Originating IP address Date and time stamp Device signatures Browser ID Country of origin Mac number I have been a customer of BoA for decades. I have never made a purchase of thousands of dollars worth of tickets to anything. BoA should have flagged the purchases as anomalous, notified me, and backed me up against the criminals as I am their customer. I am a respected, law abiding member of my community. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company placed a security alert on my report that I did not write or consent to. Someone from there had to do it because they stated that I was XXXX military XXXX which I have never done in my life. This false information has caused pain and suffering upon me. It stopped a complex from renting to me, which is compromising my livelihood and my reputation.
Product: Credit reporting or other personal consumer reports

I have on several occasions asked that the inaccurate information on my credit file be removed from the the credit bureaus and they have failed to respond for months. This is financially injuring me and I need this information fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously tried to get Fair Collections & Outsourcing to make sure they updated my credit reports properly, but they have not done so, and have caused me to be declined on a new rental application as such. I am trying to remedy to situation, and need someone to help me make sure they are providing the correct information to XXXX, XXXX, and XXXX  because its been negatively affecting my credit for over 4 years now.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed ans a letter from an advocacy group helping me due to XXXX XXXX debt XXXX which falls under XXXX. According to XXXX- debt rule XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block and delete this information from my credit report within four days, pursuant to section 605C of The Fair Credit Reporting Act. I am a avictim of human tracking of debt bondage and I would like for all listing accounts to be blocked and deleted company information from Transunion LLC, from XXXX hard inquiries I didn't authorize them XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, ( XXXX XXXX ) There are inquiries on my TransUnion and XXXX credit report I didnt authorize. I spoke with a supervisor at XXXX by the name of XXXX she insist she would reach out to TransUnion and have it deleted because she couldnt find me in their system, also theres another inquiry XXXX  which I didnt authorize I spoke with XXXX she insist I called the bureaus and have it deleted, I contacted XXXX XXXX I spoke with someone name XXXX who asked me did I reach out to the bureaus directly if not he suggest I do so, and he asked am I a victim of IDENTITY THEFT I immediately told him yes he suggested I contact the bureau, Ive reached out to XXXX XXXX XXXX  I Didnt get an answer directly but these inquiries arent authorized They were placed on my credit report XX/XX/year> there a FTC report attached and also theres an email I received form one of the CEOs regarding this inquiry. Please take a look into this and remove these inquiries also I received an email regarding the complaint with XXXX but no response on the CFPB as of yet. please remove these from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to access my credit information from Equifax, I am asked to verify my account by supplying information about auto loan and retail credit cards. I do not have an auto loan or retail credit card. The item about bank credit card did not include any information that matches my own bank credit card. 

It appears that Equifax has my information mixed up with someone else 's. 

I have tried to access this info twice from Equifax, once on XXXX XXXX and today, XXXX XXXX. I attempted to submit a complaint to CFPB on XXXX XXXX and got a complaint ID number, XXXX. However, when I tried to print the complaint, I got an error message so I think it may not have gone through.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I submitted a letter to the XXXX and Equifax XXXX XXXX XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$54.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with AMERICAN EXPRESS. I am not disputing anything on my credit reports in regards to my card On my XXXX XXXX report it states this in the status / remarks comment section " Account information disputed by consumer, meets FCRA requirements. I am not disputing anything with my American Express Card with XXXX XXXX. On my XXXX regarding the same American Express Account. The remarks section says " Consumer disputes this account information ''. The remark section should be blank. I am not disputing anything with American Express
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is XXXX  and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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