23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My homeowners insurance was due on XXXX, I received a bill from the insurance company on XX/XX/XXXX saying it was still due. So I called Fifth Third Bank to find out what was going on. Well they sent the check to someplace in Missouri not affiliated with my insurance which is XXXX, located in XXXX, MI which is clearly stated on the bill. To make a long story short they assured me they would reissue the check. On XX/XX/XXXX I decided I had better call the insurance company to find out if they had received the payment, they had not. So I TRIED calling several times over several days to get ahold of someone at Fifth Third, always put on hold, twice up to 40 minutes. Noone will answer, so frustrated I went to the local Fifth Third branch in XXXX, IN where I live and talked to the branch manager, XXXX XXXX, who after trying herself to reach someone was not able to do so. She looked me in the eye and swore she would call me back that same day, not tomorrow not next week, that day, and she would not go home until it was resolved, hahaha!!! It is now XX/XX/XXXX, I just got off the phone with my insurance company and the bill still has not been payed, so I made a partial payment so as not to get cancelled by the insurance company ( {$210.00} ) I am at my wits end, I have done everything, I pay my bills on time and for them not to answer the phone and lie straight to my face and not even call me back, I mean what am I supposed to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a incorrect Bankruptcy reported only on my Experian Account. I have made numerous attempts to get them to remove this account and they are refusing to remove it. The have been advised by the XXXX XXXX company that they use that this is not my account and they are still refusing to remove the account. I need help with getting Experian to remove this erroneous account off of public record from my report.
Product: Checking or savings account

In XX/XX/year>, I opened a checking account with US Bank in response to a promotion that promised a {$500.00} reward after meeting a direct deposit requirement. I completed the direct deposit requirement but never received the reward. Upon my last complaint on this issue, US Bank mentioned that the promotion ends on XX/XX/XXXX. However, that's only part of the story. The truth is starting from XX/XX/XXXX to XX/XX/XXXX, US Bank make this promotion again and I opened my checking account on XX/XX/XXXX, so I should get the bonus for accomplishing the direct deposit. 

Pitifully and quite wiredly, US Bank has deleted their page on this promotion from XX/XX/XXXX to XX/XX/XXXX. Here is a third-party website that I have searched for storing this information : https : XXXX, it clearly says that " To receive the bonus, you must open a new U.S. Bank Smartly Checking account with a minimum deposit of {$25.00} either online, in a branch or over the phone from XX/XX/year> through and including XX/XX/XXXX, XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about some fraudulent inquiries on my report on   XXXX  , and was informed by the representative that they would investigate the inquiries. As of  XX/XX/XXXX , i have not received any correspondences and they continue to report these inquiries listed below : Campus  XXXX    XXXX     XX/XX/XXXX   XXXX -   XXXX    XX/XX/XXXX    XXXX     XXXX     XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX -   XXXX   Rate Genius-  XX/XX/XXXX
Product: Debt collection

Jefferson Capital Systems , LLC acquired an overdue debt from XXXX XXXX in the name of XXXX XXXX, reflecting an outstanding balance of {$14000.00}, approximately XX/XX/XXXX. The outstanding debt is related to the purchase of a XXXX XXXX XXXX To accommodate the refund of the balance, I was given a payment of {$3000.00} as a total payment, payable in 48 monthly installments of {$62.00}. To take advantage of this special rebate plan with discount, the first payment must be made before XX/XX/XXXX. I could not make any payment since there was a reduction in my work hours to 20 hours per week at {$7.00} per hour with a salary Week of {$690.00} monthly. Unable to comply with the payment, deliver the bus as a guarantee. In addition, the bus suffered damage with the passage of Hurricane Maria and had to take a loan to XXXX to secure it. Currently Jefferson Capital System has sued me and they want me to pay the amount of {$14.00}, XXXX. This situation is affecting my health. I need you to help me since I don't have the money for a lawyer.
Product: Debt collection

I have not supplied proof under one doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Keybank credit card account number XXXX I entered into an agreement thru XXXX XXXX XXXX on XX/XX/2020 wherein Keybank agreed to accept monthly payments of XXXX. However, they continue to report as delinquent 30, 60, 90 days. Neither Keybank or XXXX when I dispute will agree to change the status even though I am making the monthly payments as agreed.
Product: Debt collection

Portfolio recovery XXXX They keep calling me and harassing me and seconding stuff to employers and all and this is over XXXX XXXX XXXX debt
Product: Debt collection

sent letter to company request the purchase agreement of the account. Asked for a copy of contact with my wet signature.
Product: Credit card

I have Macy 's American Express card that had fraud charges totaling about {$230.00} on XXXX/XXXX/2015. So called Macy 's to resolve this issue and they told me to fill out a form and send it to them and told me they will take care of it. After 4 months, nothing have been resolved and they finally admitted to having that they lost my fraud form so I had to resend it again. But the real problem is that this got into my credit report for no payments made. I have called more than 10 times but I am not sure what else can I do to fix this problem. 
Pls Help.. 
XXXX XXXX
Product: Mortgage

We entered into forbearance in XXXX of XXXX due to the impact of Covid. Most companies were closed and not buying furniture and supplies. My husband is in sales. Our income drastically decreased and we did all that we could to make ends meet but ultimately had to enter forbearance. We were told by Mr. Cooper ( Mortgage Lender ) that we would have 3 options once our forbearance period ends. 1 : Pay back the lump sum of missed payments. 2 : Pay back the sum of what is owed over XXXX months along with the monthly payments. XXXX : Apply for Mortgage Modification. ( We understood this could change the terms of our loan. ) We decided to apply for Mortgage Modification as the other options were not within our means. We were denied by our Mortgage Lender, Mr. Cooper. We were then told we only had one option and that was to pay our passed payments totally {$30000.00} in full by XX/XX/XXXX. 

These were not the conditions we were told when we went into forbearance. This sounds incredibly fraudulent.
Product: Credit reporting

Transunion has been reporting XXXX XXXX XXXX for 5 years, has been investigated more than 10 times and verified false, fraudulent, incorrect and incomplete information many times. 
THIS ACCOUNT FURNISHER has violated the spirit and the letter of the law in the 2009 Credit Card XXXX dollars was paid in XXXX checks to open the account ( violates statute by excessive XXXX. XXXX illegal internet access charge was made ( violates statute ) XXXX late fees are excessive ( violates statute ) .the information on the credit report is based on activities that include the illegal charges so the balance is inflated.there is no dofd on the report, the amt of last pymt is not listed, the scheduled payment is not listed ( used to determine excessive late fees ). 
I have attached all account history and legal reference in the form of the statute, the CFPB official guide, the Federal Reserve commentary on the ACT.all violations also violate FCRA and FDCPA on the part of Transunion and XXXX AND THE FURNISHER ARE NOW FINANCIALLY LIABLE REGARDLESS OF DELETION OR FUTURE ACTION ... ... FOR KNOWINGLY VIOLATING FCRA, FDCPA AND 2009 CREDIT CARD ACT, A JURY AWARD COULD BE SIGNIFICANT.
Product: Credit reporting or other personal consumer reports

Notice of Negligence of Holding Fraudulent Data on my consumer File. I have explained to ( XXXX, XXXX XXXX and Equifax ) That I have Never Received any Loan from XXXX and they have continued to Furnish this Data. Ever Since XXXX Through XX/XX/XXXX theyre furnishing Payment History & ( Account Details ) thats Inaccurate Data since XX/XX/XXXX up until XX/XX/XXXX. Remove this Account from my Consumer File Immediately. I Direct the Consumer Financial Protection to Remove this Data at my Discretion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX transferred the loan to XXXX when I paid XXXX off in 2017. XXXX is reporting the loan on Experian as an unpaid chargeoff with a balance of {$19000.00} which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX on XX/XX/2020 to apply for a credit card and they refused me. I ordered my free credit report at experian.com to see what was the reason. It was because I had some negative accounts that I don't even know what they are for or why they are in my credit. I asked my wife if she had added these accounts, but none of these accounts are hers or even has them on her credit report ( XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX ) these accounts listed do not relate to any transactions that I have made. These accounts are in my credit because of identity theft and I need these accounts to please be removed because they are not mine. I filed a police report with XXXX XXXX Police. i have never applied for the credit cards or credit and i have not ever used there services, cash or merchandise
Product: Credit card or prepaid card

Way2go XX/XX/2023. Money deposited on the XXXX and has been difficult to use. Customer service is 100 % automated and wont help. Even the alerts dont work.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Hard Inquiries that is reporting on my credit report is affecting me from getting approve for a credit card, and i dont recognize the inquiries this is a diect violation against my consumer rights i never gave my consent or permission for these Hard inquiries to be furnish on my report this Fraud and I need the CFPB to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested for Experian to remove an incorrect derogatory item from my credit report without success, even after uploading documentation, since XX/XX/2020. 
It concerns : XXXX XXXX, Debt Buyers, for an account originally owed to XXXX XXXX, for XXXX and failure to be co-operative and transparent when inquiries are made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this inaccurate information on XX/XX/XXXX and reached out to the following companies for assistance and have not resolved this solution ( PLEASE SEE EQUIFAX DISPUTE ATTACHED ) I provided Equifax with my identification ( Drivers license ) and a copy of a police report ( PLEASE SEE ATTACHED ) that shows I am a victim of identity theft and let them know this action items where UNAUTHORIZED and not a result of my doings In my dispute I asked that an unknown address AND unknown hard inquires be removed as they are damaging my reputation and character The result of Equifaxs investigation took LESS THAN 24 HOURS and the findings were as follows : Address - REMOVED Hard Inquires - found valid PER, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

**** Equifax is in violation, as I have stated and provided documentation that these hard inquired are inaccurate! I have explained that this false reporting is unfair, and affecting the privacy of my information.

PER, 15 U.S.C 1681 e - Accuracy of Report ( B ) states. Whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate.

**** Equifax has not gathered or provided reasonable procedures as they completed there investigation in under TWENTY FOUR HOURS proving they DID NOT provide the maximum possible and reasonable procedures to ensure this false information reporting on my credit report is accurate. 

The following HARD INQUIRES SHOULD BE DELETED! 

XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I am unable to reach anyone at NelNet by phone. The website frequently crashes. I applied for the XXXX plan XX/XX/2023. I have not been put on the plan yet. I have received a letter saying I have a balance due XX/XX/2023. However, I login and the balance says " XXXX '' owed until XX/XX/2023. I emailed XX/XX/2023 to followup on these questions, have not heard back. 

Everytime I call, it says the wait time is too long and to call back. If I elect to wait, I wait XXXX hours, and then the automated service says the call center is closed ( even when their listed business hours say they should still be open ). 

My concern is that I don't know how much I am supposed to pay, or when it's actually due, and interest is accruing this whole time. 

It is not transparent, there's no one to go to for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer has attempted to reach out to Captial ONE to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either Capital ONE or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Product: Debt collection

Received threatening letters so i called to clear up the confusion and its just a gimmick to have you call and be sold XXXX or get a " free XXXX gift card ''. There is no representative available to speak to, just a recording to connect you to sales.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistenly responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

2021 Identity Theft XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX posted to the Credit Bureau XXXX XXXX XXXX that I was in arrears on paying my XXXX XXXX XXXX XXXX XXXX bill in the amount of {$1100.00}. I do not have, nor never had an XXXX XXXX XXXX cell phone. 

XX/XX/2021 XXXX XXXX XXXX XXXX service provided by XXXX XXXX sent me an account XXXX that a Derogatory Item was posted to my credit report. 

XX/XX/2021 Contacted : ( XXXX ) XXXX XXXX XXXX to get the following information regarding the Alert : - Collection Agency : Credence Resource Management - Payment Due : {$1100.00} - Original Vendor : XXXX XXXX XXXX XXXX ( XXXX ) Spoke with Credence Resource Management and was provided the following additional information regarding the account in collection : - Account Opened : XX/XX/2021 - Account # : XXXX - Cell Phone # : ( XXXX ) XXXX - Home Address on File : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX ) Spoke with XXXX XXXX XXXX XXXX XXXX : Upon request from XXXX XXXX XXXX completed their online fraud investigation form ( XXXX ) XXXX XXXX XXXX Police in order to get a Police report generated
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 or information Any other adverse item 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: Credit card or prepaid card

This purpose of this letter is to request assistance in recovering {$4000.00} from Chase Visa for an unauthorized and invalid charge. 

According to Chase Visa 's supervisors, Chase 's Disputes mishandled my dispute by not reviewing it carefully, continuing to request information, and allowing so much time to lapse that they dismissed the clai. 

My claim for a refund of {$4000.00} is valid because I did not receive the services as described and which the vendor agreed to. 

XX/XX/2018, I hired XXXX XXXX to redesign the color 8-course graphics. However, that is not the work she presented. 

XX/XX/2018, In an email, XXXX XXXX admitted that she did not complete the work for which she was hired, and she apologized. 

XX/XX/2018, However, within 24 hours of her apology, XXXX XXXX quit. She did not attempt to remedy the situation within 48 hours, as her contract promises. 

XX/XX/2018, XXXX XXXX helped herself to {$4000.00} of my {$7100.00} deposit without providing any design products or accounting for her time. 

I have nothing to show for the {$4000.00} withdrawn from my Chase Visa account. 

Despite the fact that Chase Visa was provided with reams of detailed documentation and two letters from an expert in the field of design validating that the services described were not delivered, Chase Visa has failed to keep their agreement to provide me with cardholder protection.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Complaint About Navy Federal Credit Union 's Practices Dear CFPB Team , Im reaching out because Im having a serious issue with Navy Federal Credit Union ( NFCU ) thats negatively affecting my credit. I need your help to get this resolved.

Heres what happened : I had a credit card with NFCU and took out a cash advance. I paid the loan back within 24 hours, but NFCU charged a sky-high interest rate that effectively made the XXXX XXXX XXXX. That alone felt unfair, but things got worse. 

They reported the balance incorrectly to the credit bureausnot once, but twice. Then, NFCU drained my account to a XXXX balance and even withdrew an additional {$5.00} for my membership fee. That caused my account to have insufficient funds, making it look like Id written a bad check. 

This incorrect reporting is still on my credit report, and its making my financial situation look much worse than it really is. For clarity, this is a credit card issue, not a bounced check or bad funds issue, but NFCUs reporting makes it seem otherwise.

Ive attached documentation, including a letter from the collection agency involved and details about the account. Im asking for your help to ensure NFCU updates my account information and removes the incorrect details from my credit reports.

This has been incredibly stressful, and I appreciate any assistance you can provide to get this resolved. If you need any additional information from me, you can reach me at XXXX or XXXX. 

Thank you so much for your time and support. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote a certified letter to Wells Fargo for verification of the account because I have identity theft issues, and Wells Fargo never addressed the issue with a proper investigation. Identitfytheft.com complaint has been filed because my information was breached during XXXX XXXX XXXX and someone did use my information but I'm not able to track down who did.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX violated my consumer reports on XXXX XXXX & XXXX XXXX without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )