23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX  ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX have tried on several occasion to resolve my issues with EQUIFAX every time i file a CFPB report they keep using a stall tactic and stating that they need verification from me to proceed this is very frustrating and i feel like i am being taken advantage of. There are 2 accounts that are being reported on my credit report that i need removed which is XXXX XXXX AND XXXX XXXX  BECAUSE MY CONSUMER RIGHTS HAVE BEEN VIOLATED, I HAVE SUBMITTED AN AFFIDAVIT OF TRUTH AND GOT IT NOTORIZED THIS IS THE LAST CHANCE I AM GIVING EQUIFAX TO FIX THIS ISSUE BEFORE I SEEK LITIGATION, I NEED THOSE 2 ACCOUNTS LISTED ABOVE REMOVED PERMANENTLY FROM MY CREDIT REPORT.
Product: Debt collection

According to an email communication dated XX/XX/2022, which I have attached as evidence, XXXX confirmed that my account balance was {$0.00}. This email clearly indicates that I owe no outstanding debt to XXXX. 

However, to my surprise, I recently discovered that Jefferson Capital Systems has reported this debt on my credit report, despite the balance being {$0.00}. This action by Jefferson Capital Systems has negatively impacted my creditworthiness and is causing significant distress. 

Attempts to Resolve the Issue : In an effort to rectify this matter, I have made numerous attempts to contact Jefferson Capital Systems regarding their erroneous debt collection efforts. I sent the aforementioned email communication, both via email and mail, to their listed contact addresses. Unfortunately, I have not received any response from them, nor have they acknowledged the evidence provided. 

Request for Intervention : I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I believe that Jefferson Capital Systems ' actions are unjust and in violation of my rights as a consumer. Specifically, I would like the following actions to be taken : Investigation : Conduct a thorough investigation into Jefferson Capital Systems ' debt collection practices to determine whether they have violated any consumer protection laws. 
Removal from Credit Report : Request that Jefferson Capital Systems immediately remove this erroneous debt from my credit report, as it is impacting my creditworthiness and causing undue harm. 
Communication : Direct Jefferson Capital Systems to promptly respond to my communications and provide a clear and satisfactory resolution to this matter. 

I greatly appreciate your attention to this matter and look forward to a swift resolution. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your assistance in addressing this complaint.
Product: Credit card or prepaid card

I applied for a capital one card with a promotional code that was send to me and was approved for XXXX cards. One was for XXXX and the other XXXX When filing out the application I put in my personal information and received an alert that I had XXXX inquires on my credit report. I created a user name and password and was giving immediate access to my card and was able to use them. Capital one is decided that the promotional codes were sent out in error and it was a glitch. The company has since restricted access to my cards, I 've called the fraud team and they are giving no information. I want to know what I need to do as a consumer so that this does not affect my personal credit. I would have never applied for this card had I not received the email and I feel it was bait and switch. Another concern that I have is how will this be reported to the credit bureaus? How will my utilization be affected as thisis 30 % of my score. I do not feel it is fair for them to approve a card, mail it, then restrict it with an explanation to what happens next.
Product: Mortgage

I am a home owner in review for a modification but the lender is still proceeding with foreclosure and has set a foreclosure date for Tuesday XXXX XXXX, 2015. I believe they are violating my " Homeowner Bill of Rights Act and they are breaking the law. Can you please help me with this. 

Thank you, XXXX XXXX
Product: Student loan

THIS IS NOT A DUPLICATE COMPLAINT This is regarding Nelnet and their alleged, questionable tactics of servicing. I initiated a student loan consolidation from Nelnet to XXXX on XX/XX/XXXX. I have kept in contact throughout this process with both servicers to ensure a smooth transition. I logged in to my Nelnet account and it showed that the payoff was received XX/XX/XXXX ; and XX/XX/XXXX, respectively. However, after further review, I had a principle balance of XXXX cents ; which insinuates to me that the payment was shorted in this amount. I called Nelnet and I attempted to pay the XXXX cents balance with my debit card and the representative was unable to process it. She emailed her supervisor and was told by this supervisor that it would take 60-90 days for the closing process ; then was told by the end of this month ( XX/XX/XXXX ). I asked the rep which is it, as I need a definitive date. The supervisor then told her the end of this month. The representative could not tell me why a balance of XXXX cents was left on my account. So I then asked for them to close it out immediately, as this is still showing on my credit report. I asked to speak to their Ombudsman, but was given the phone number to their state Ombudsman and not the financial aid Ombudsman. I believe that Nelnet is purposely and fraudulently attempting to keep my account open, after it has received its payoff from the new servicer ( XXXX ) ; and ruining my credit utilization by not reporting " PAID AND CLOSED ''. Additionally, for them to tell me that it would take another 60-90 days to process this closure is unacceptable. After being given the incorrect information on contacting the financial aid Ombudsman, I called Nelnet back and processed the XXXX cents payment through their automated system. I have attached documentation from my account dashboard showing a XXXX ( {$0.00} ) balance ; and the dates of payments made. A further investigation needs to take place regarding Nelnet and their practices. I have attached all documentation including Identity verification documents. Thank you CFPB for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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  : account # XXXX, XXXX XXXX : account # 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 a 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: Credit reporting or other personal consumer reports

There are several inaccurate late payments on my consumer report. I am demanding that these companies show me concrete proof that I was ever late on any account by sending my the accounting records of each following account number. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681i I am also requesting the procedure you used to " verify '' these inaccurate late payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( XXXX ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX XXXX XXXX A : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( XXXX ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month Of XXXX XXXX, I made a purchase of XXXX and paid it on XX/XX/XXXX. Got a confirmation code which was XXXX. I never got paper statements only by emails. But later discovered that my email was hacked in XXXX so I never got any late payment information due to the email being compromised. Now my card has been hacked again on XX/XX/XXXX for {$1.00} cent which I called about and it was not fixed. I have attached all the findings on the account. I have sent more then 3 goodwill letters expressing to them that if I was paperless and only got emailed the statements but due to my account being hacked I knew nothing about it. I received a confirmation number. And each time I was told or sent letters to them, I was told could not be helped because of the credit laws and that the information provided to credit bureau was correct.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address systemic issues with TransUnion, including inaccuracies in my credit report, discriminatory impacts, and its repeated failure to comply with federal laws governing credit reporting. TransUnions practices have directly harmed me by denying me access to housing and credit, both of which are fundamental to my ability to participate in the economy and live securely. 

Violations and Legal Basis : 1. Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : TransUnion has failed to ensure maximum possible accuracy in my credit report, leading to repeated adverse decisions regarding housing and credit applications. 
15 U.S.C. 1681i : TransUnion has failed to investigate and resolve inaccuracies in a timely manner, a violation of its obligations under federal law. 
XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) : The U.S. Supreme Court held TransUnion liable for providing inaccurate credit reports, highlighting systemic issues within its operations. 

2. Discriminatory Practices Under the Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 : TransUnions reliance on outdated credit metrics perpetuates systemic discrimination, disproportionately impacting individuals without traditional financial histories. 

3. Exploitation of Consumer Data TransUnion profits from selling consumer data to third parties while denying individuals meaningful control over their own financial information. 
Impact on Me : TransUnions practices have directly harmed me by : -Preventing me from securing housing due to erroneous and outdated information in my credit report. 
-Creating systemic barriers to accessing credit, despite my lawful capacity to contract.
Product: Money transfer, virtual currency, or money service

Hi, There are a lot many complaint I have received since past year but there is no resolution and my money is not sent to me by chase bank. Latest complaint number is XXXX. 
I still haven't received my check at XXXX address and there is no tracking number shared. I am waiting since 2 years almost now and my money is still not returned to me. Chase case number XXXX. I am trying to reach out to chase but the number is not connected and everytime there is only follow up and assurances. It's really frustrating and tiresome that for my own hard earned money I have to follow up since 2 years now and I still didn't receive the check. Ideally as per last communication with a chase XXXX, the cheque was sent out on XXXX XXXX and was to be delivered n 10-12 working days but i still haven't received it and nor there is tracking number which can help me track it. Please help since I am in need of my own money which is with chase bank since 2 years now and the amount is {$900.00} and {$6500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft and fraudulent accounts, i was out of the country from XXXX to XXXX i never lived in the address the accounts were opened under, see police report i also have my US passport as they stamped it the day i left and came back. 

CREDIT CARDS OEPNED UNDER XXXX : Capitol One opened XXXX XXXX and closed XXXX XXXX. 
XXXX XXXXXXXX XXXX opened XXXX XXXX and closed XXXX XXXX. 
XXXX XXXX opened XXXX XXXX and closed as a charge off in XXXX. CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  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 me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I have continued to pay my private student loans on time, but my interest rate keeps increasing which has gone from XXXX in XXXX of 2022 to 12 % in XXXX. I have been working to make my payment on time and have been trying to refinance but with inflation and not having secure hours at my teaching position it has been a challenge to get the loan refinanced. However, I have asked if they have any programs which they do not, or only offer ones that only make me pay more in the long-term and they just keep increasing my rate. Not offering any information as to how high the rates can go. I did not qualify for the lawsuit because I have always been making my payments, which I have always tried to do. But if they keep raising the rate I will never be able to pay off my loan and how will I survive or work if I can not keep a roof over my head or eat? For example, my one loan was for XXXX and now it is at 12 % I currently own XXXX dollars and will never pay it off at this rate. I have asked for help or options but they offer nothing but options that cost more, or no options at all. Instead, they just keep raising the rates with no end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$1200.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX XXXX X {$8200.00} XXXX XXXX {$2900.00} XXXX XXXX {$290.00} XXXX  XXXX {$0.00} XXXX  XXXX {$110.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$23000.00} CHAPTERXXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Product: Debt collection

Was notified a collection/charge off was added to my credit report. I called them and said I was disputing it because everything I show and have screen shots of my account was that I have no active loans with Credit Ninja and the loan was ultimately denied ( I assumed since it was over the amount allowed and interest/APR legal in the state of florida ) In the mean time I was contacted by a XXXX XXXX and given proof they are the ones in charge of the debt collection and not sure who XXXX XXXX is. Other than asking for payment XXXX hasn't been real helpful with documentation and the fact that I first questioned the debt all together. With the other company showing proof arrangements have been made but I now have a credit collection/charge off from XXXX on my credit report and they don't have the right if not collecting the debt. I have tried reaching out to XXXX but XXXX has to agree to remove it which they haven't. But this is fraud if this is the case.
Product: Student loan

I have an IDR pending since December for which I was place on a 60 day forbearance, which has not been renewed automatically, despite Mohelas insistence that forbearance renewals should be automatic ( its in their phone line and on their website ). I have called multiple times ( about a total of 6 ), mostly unable to reach any representative due to call drops after many hours. One of these times i waited to talk to a representative for 2 hours, this representative ensured I will be placed in forbearance and transferred me to another dept. After an additional wait time of 4 hrs, the phone call dropped ( while i have been in the same spot with flawless signal ). I have sent Mohela multiple messages on their platform, without response or confirmation of my communication to them. I have sent a complaint in student aid.gov without response. I went as far as to submit a forbearance request form ( as I am a medical resident and qualify for forbearance regardless ). I submitted the required forms on their website two times. They have provided 0 proof of submission of these forms, and additionally it has been over a month without any response. I am currently on the phone again, and it is 4hr and 30 minutes of wait time without response. Additionally they should provide proof of any communication sent to them.
Product: Vehicle loan or lease

Date : XX/XX/XXXX Re : Santander Consumers, USA Today, I made a payment toward my car note and it covered XXXX payments that was legitimately past due. The amount processed totaled {$1200.00} plus an convenience fee. I called the regarding loan company after payment processed on today, to ensure that I will be able to get late payment removed as verbally promised from employee # XXXX on XX/XX/XXXX. 

When I called today, I spoke with employee # XXXX ( XXXX ) regarding the payment update and she basically denied all of my request for " letter submission '' because as she stated " Good-will is not something that they consider from consumers. '' I explained that the late payments reports are inconsistent on my credit report, but she still denied assistance. Therefore, I asked if this denial is in writing or in the contract ( s ) so I can refer to it, respectfully. She said it is not in writing and I will hear the same denial from all of the customer service reps. Since the conversation and assistance was getting no where, so I requested to speak with a supervisor. Employee # XXXX refused to transfer and proceeded to " not hear me ''. Soon after, she disconnected. 

I am writing this complaint because I strongly feel like the following examples of my rights were abused : XXXX False or misleading representation 1. ) 15 U.S.C. 1692e 2. ) 15 U.S.C 1681f > Unfair practices : 1. ) 15 U.S.C 1692f >Harassment or abuse : 1. ) 15 U.S.C 1692d, Line 5
Product: Credit reporting or other personal consumer reports

This account was charged off in XX/XX/XXXX. Since the the date of last activity has been inconsistently updated. On XXXX the last active date is XX/XX/XXXX. On XXXX the last active date is XX/XX/XXXX and Equifax the last active date is XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same.According to the washington state 's fair credit reporting act ( RCW 19.182 ) requires credit reporting agencies to maintain accurate credit reports. Please delete this account from my credit report. 
Account Number : XXXX XXXX
Product: Credit card or prepaid card

I am unable to transfer my American Express Membership Rewards points to my XXXX account. After speaking with multiple representatives over the phone and chat, I am still experiencing the same error : " This action will not be completed because of an attempt to sell or otherwise transfer Membership Reward points to someone else which is not permitted under the terms and conditions of the program. '' There have been multiple theories proposed by the representatives that include name mismatches and frozen accounts. Regardless, I need my points transferred as soon as possible ; however, AMEX 's exhibited incompetence leads me to believe that transferring my points will not be an easy process.