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

XXXX XXXX I requested my credit report to find so inaccautes items being reported. I've disputed 2 times and nothing have been removed. My first date of. delinquent is reporting incorrect. the Balance was reporting {$3100.00} once I reached out the change it to XXXX also the last payment date is wrong
Product: Credit card

In XX/XX/2024, I saw Chase XXXX XXXX was running a promotion that before XX/XX/2024, if you book XXXX travel components, you will be rewarded with XXXX points and XXXX travel components will be rewarded with XXXX points. Since I need to travel to XXXX, so I took advantage of the offer. I enrolled immediately and went ahead and booked XXXX flight ( XXXX  to XXXX for XX/XX/XXXX ) and XXXX different hotel orders ( XXXX XXXX for XX/XX/XXXX, XX/XX/XXXX ), that qualified me for the XXXX travel component and XXXX points. I wanted to make sure I did enroll and also my bookings conform the terms, so I called Chase XXXX, the associated confirmed on the call that my booking qualifies the XXXX points and informed me that the reward points will be added to my account within XXXX billing cycle. After I came. back from my trip and XXXX cycles later in XXXX, I still did not see the points being added to my account, so I called Chase XXXX again, they confirmed again that my travel components were legit and they 'escalated " my case to upper leadership to add the points to my account, and asked me to wait for another billing cycle for the points to be reflected. One cycle later in XXXX, I still did not see the points being added, so I called again to confirm, the associate changed their response by saying I did not enroll in the offer, I was really shocked, because my prior confirmation with Chase XXXX has never revealed that I failed to enroll, and I questioned the person, the person then changed the response again by the points can't be added until the year end, and asked me to wait for next year to see the points being added. Then the associate told me that my case was 'escalated ' again to be addressed. Up until now, it's already end of year, and I still did not receive the points! I can't be more disappointed. Despite the number of times I called in and repeat the same information again and again, the responses and actual actions from Chase were minimal! I have been holding the XXXX XXXX card for over 5 years now, and can't be more shocked by how customer care is being handled so terribly.
Product: Money transfer, virtual currency, or money service

My last successful login and action on my account was on XX/XX/XXXX involving the selling of all crypto assets ( ~ {$4000.00} USD ), and keeping said assets in my USD wallet account - This was done on XX/XX/XXXX at night Pacific Time, though I do not know the specifics of the timing.  Any actions conducted from XX/XX/XXXX onwards were not authorized by me. The motivation of selling said assets were to prevent my total capital gains from falling as the crypto-market was bearish. Likewise, I've always kept my crypto trades a secret from anyone. 

On XX/XX/XXXX, suspiciously convenient unauthorized actions were performed purchasing {$3000.00} and {$1000.00} worth of BTC on XX/XX/XXXX. I have confirmation e-mails of said actions that were received around XXXX and XXXX XXXX respectively. What is even more suspicious is that at XXXX XXXX, my 2FA settings were changed, though I did not receive notice of this until after my account was compromised. Likewise, a request to change my e-mail account was conducted at XXXX XXXX. 

I noticed these attacks an hour later after they happened, and unfortunately, immediately had to wait for another 2 hours or so waiting for the customer service fraud hotline to speak to me regarding my account. I felt extremely panicked especially when I logged into my account to check whether or not the deposit of {$4000.00} into my BTC was made - it was not.The call was rather unhelpful, as the only actions performed were to disable my account, and refer my case to a " specialist, '' with no time-frame given to as me when the issue would be resolved. 

After a LONG three-weeks after the incident, I received feedback on my case questioning the security of my household and wether other individuals had access to my information/codes. At the time, my household only contained two individuals - my mother and I - so naturally, I found it offensive that they questioned the integrity of the security of my household when this case arouses suspicion of internal fraudulent activity. 

Likewise, Coinbase suggested that I change the passwords of my Coinbase account, and to run malware scans on my computer, and to change my password of my e-mail accounts - all of which I had completed during my following customer support call. After having updated all that I can, I have not received any further communication with Coinbase since. Moreover, I remain locked out of my account with no ability to recoup my money that remains in my account. 

My case number : # XXXX Email : XXXX Phone Number : XXXX Side Notice : I had previously transferred money to a different wallet ( to XXXX ) in order to purchase XXXX   before. The documentation and evidence of this is attached as the e-mail correspondence with CoinBase suggests that I had chose to externally transfer my funds outwards. I have no e-mails confirming this except the one time transfer I made from Coinbase to XXXX in order to purchase XXXX. This can be cross confirmed with XXXX.
Product: Debt collection

XX/XX/2018 I received only 1 notice from some type of Law Office name RAUSCH, STURM, ISREAL, ENERSON & HORNIK LLP. regarding payment options on a written off debt from XXXX XXXX XXXX D/B/A. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Texas XXXX. A few Days later without giving me by law ample amount of time to dispute that debt, that I have no knowledge of owing, This law firm filed immediate legal actions against me, and this was before the 1st payment due date XX/XX/2018 .On the legal document the law suit was filed on XXXX XXXX in Justice Court XXXX , County Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, This seem to me that debt collection Law office used an abusive tactic to the fullest extent, to scare me into paying that money assumed I owed, I am disable, living off a small fixed income, don't foresee me being employed in the near future, I contested that suit, sent to that court my Social Security Award Letter as proof of income, showed a copy of the only letter received via mail from that plaintiff lawyer, I informed the court that the statue of limitation has ended for XXXX XXXX to sue me, I didn't receive any papers showing that company has the right to sue me, Chief of title, original papers I signed, No paper trail showing missed payments / payments made to XXXX XXXX , tried to discuss the matter via phone with 3 of XXXX employees in their debt collection / and customer service dept, was told they no longer had my personal file it was given to a 3rd party agency which is that law firm- I also recently became a victim of identity theft through cyber breach and was notified by mail from one of the 3 major Creditor Bureau , not saying this is/ not my account- they did not Validated their claim regarding this alleged account that causing me to have reservation about this matter, I was also given just 14 days to respond to that courtroom, and on top of that I am still getting payment options letters from that firm -I 'm trying to recover XXXX  after XXXX, the worse storm ever to hit XXXX, no one should ever have to endure abusive tactics from collection agencies
Product: Credit reporting or other personal consumer reports

I had a car loan with XXXX XXXX XXXX  years ago.I was involved in a car accident and the car was totaled.My XXXX  insurance paid for the car and my loan was paid off.I was given a voluntary repossession remark on my credit report and this has been negatively impacting my credit for XXXX  years.i ask that this remark be removed.I spoke to XXXX XXXX multiple times on the phone and they confirmed that the loan was paid off and that the car was deemed abandoned and sold at auction to pay off the remaining balance.They gave me a copy of the loan payments paid off to help me get this removed from my credit report.
Product: Student loan

To begin this loan had defaulted back in XXXX and Navient took control. I was unable to make payments when they reached out to me at the beginning of XXXX because I am in XXXX XXXX XXXX. They only option they gave me was a temporary forbearance that came with the catch of paying XXXX dollars every 3 months. Now after a year they said I am no longer allowed to do that and my current payment would be XXXX dollars. With increasing cost of living and unchanged wages this is currently not feasible. I tried to negotiate with them and they told me the only option I have would be interest only payments at XXXX and that is also temporary. I only have two years remaining in XXXX  and all Im asking for them is to work with me. Ive even inquired if a qualified under the recent lawsuit but no information was ever given to me. It was basically a take it or leave it attitude with no concern about defaulting and ruining my life.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple over draft fees i have inccured despite having sufficient funds when transactions were authorized i was charged fees due to lagged do to lagged posting of charges and credits. This issue aligns with CFPB against findings with Navy Federal where similar practices where transactions settled with insufficient balance despite initially avaliable funds. I believe these practices are unfair and requests an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/XXXX and noticed an account XXXX that was not reporting accurately. I have XXXX missed payment in XX/XX/XXXX reporting XXXX days late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a proof of my address and a copy of my identification card I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

XX/XX/2019 and various other dates on XX/XX/19 called daughter asked for me and said if She didn't give info he has other relatives he can call..He has my number I just don't answer. 
Has called my work numberous times after I told Him not to Calls other relatives eventhough He has my correct address and phone # and I have asked Him not to. 
XXXX XXXX is the caller Sim Associates is the agency XXXX-XXXX-XXXX ext XXXX
Product: Checking or savings account

My sister has been XXXX  with XXXX XXXX ( XXXX  ) for five weeks, and signed a Power of Attorney giving me authority to make decisions on her behalf. She also created a trust for her assets ( all managed by an estate lawyer, and notarized ). She has multiple savings, checking, and investment accounts at Wells Fargo. 

I went into the XXXX XXXX branch of Wells Fargo today and met with XXXX XXXX XXXX, an Assistant Vice President, giving her copies of the trust documents and the POA. She informed me that my POA was invalid because I gave her a copy rather than the original, reflecting a lack of familiarity with the eFile act. She further said that the POA, assuming I provided the original, would have no value beyond giving me access to the accounts, which I already have, and that my sister would need to come into the bank if she wanted to place her accounts into the trust. 

This is not feasible. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I was shocked and disappointed by her attitude, not to mention her ignorance of the fairly straightforward legal principles in play here.
Product: Debt collection

I am disputing a debt i previously owed with XXXX XXXX. I had set up a payment plan to pay off an outstanding amount with XXXX and kept my promise of making payments but they sent my account to collections even though i was making payments. When my account was transfered to the debt collection agency i explained to them the situation and agreed that if i paid in full over the phone they would remove the information on my report. Since the agreement was favorable to me and since i had already been making payments i immediately paid the debt collection agency only to discover they did not keep their word and remove it. I have tried disputing the item on my credit report with no luck. I recently discovered that i could file a complaint so that is why i am doing so 4 years later. The account was not in collections any longer then a month, i was making payments prior to it being sent to collections to avoid it even being sent to collections and once it was there i paid it as soon as possible because they told me it would be removed. I would like to have this account removed because it was promised to me and it has been 4 years since it has been paid. I understand that credit reporting lasts for 7 years but in this case, it should not have stayed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX off XX/XX/2016 misinformation on all three-credit reporting in which the account sent to two other collection agencies, and four the past six years paying repair companies and reinvestigations. on and about i called XXXX XXXX XXXX and was forwarded to another collection company in XXXX  and was paid in full, XXXX shows thansfer XXXX and Equifax shows Charged off with different dates. 

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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to my consumer to any. Consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ 1 ] Good morning - I made a total of 3 calls to Equifax to ask questions about the factors they are reporting are adversely affecting my credit. They have 3 factors that are of the same type : proportion of balance to credit limit too high/amount owed on revolving account too high/loan balances too high. <P/>[ 2 ] I am in the pre-qualification/pre-approval process of buying a home. Lenders pulled my credit, and I got the " Notice to Home Loan Applicant '' that states that if I have questions about my credit score or credit information to contact the credit reporting agencies at the number provided. <P/>[ 3 ] The first problem is that the number given does not give you an option to talk to anyone. It is a number to get the report. If you do n't request one, it hangs up on you. I Googled for another number, XXXX, called it before XXXX XXXX but the auto response said to call between XXXX and XXXX ( no time zone info given ). I called at XXXX XXXX and got the same automated outgoing message. <P/>[ 4 ] I was able to find a 3rd number, XXXX and eventually found someone to talk to. I talked to XXXX who gave me examples of when an account is too high that were obvious. If the credit limit is {$1700.00} and I am using {$1600.00}, that is too high. He could not give me specific answer. Is it 50 %? 55 % 5? When do you know it is too high that you report it as too high? <P/>[ 5 ] I asked to speak to his supervisor. I spoke to XXXX, who also gave me obvious examples ( like with my XXXX XXXX account with a {$360.00} balance with a credit limit of {$2500.00} ). When I specifically requested to know what does Equifax consider too high to report it as too high, she repeatedly said Equifax does n't have the criteria to answer that question. She asked me if I wanted XXXX 's phone number, and I said yes. <P/>[ 6 ] The XXXX number she gave me also does n't give me an option to talk to anyone, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX  XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> TU XXXX  XX/XX/year>XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I sent a VALIDATION REQUEST dated XX/XX/2020 to XXXX XXXX ( a XXXX XXXX ) located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX which was received on XX/XX/2020 according to USPS records of certified mail. This letter was a request for written validation in accordance with the provisions afforded me in THE FAIR DEBT COLLECTION PRACTICE ACT. the letter asked for documentation proving that they had the legal authority to collect from me along with proof of my legal obligation to pay. We also asked for other legal notices required by law. They did not respond to me within the 30 days required by law THE FAIR DEBT COLLECTION PRACTICE ACT. Because they were and still are in clear violation of the FDCPA, their unresponsive action forced me to send a final demand letter dated XX/XX/XXXX insisting that they remove any and all derogatory reports issued to XXXX, XXXX, and XXXX credit reporting agencies. To this date XX/XX/XXXX, they have not removed their derogatory reports from my credit file. I insist that they remove these negative/derogatory reports or I am left no other choice but to file a lawsuit for damages.
Product: Student loan

Federal Student Aid has taken over a year to approve the Police Dept I worked at during my XXXX, XXXX, XXXX payments in public service loan forgiveness loan period ( XXXX 2022 ). I should have been discharged from the program ( being serviced by MOHELA ) and $ XXXX student loans been removed from my credit XXXX 2022. I have submitted forms, applications, proof of employer eligibility, and made calls monthly beginning XXXX 2022 yo try to expedite the process and absolutely nothing has been done. Therefore, my credit has been tied up, score affected, & I've paid higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection account with Experian for XXXX XXXX XXXX. I requested that the debt be validated. All that was sent to me was a ledger of charges. I asked for the actually invoices and a signature showing that each invoice was signed for. XXXX XXXX XXXX has not produced these items. They showed that I was a client of the company XXXX XXXX they are collecting for but they do not show any invoices or my signature accepting multiple invoices totaling $ XXXX. Furthermore the dates that are showing on my credit report contradicts the dates on the ledger that was sent to me. This collection debt needs to be removed from my credit report because it is invalid and its report incorrectly. Experian has refused to remove the debt. An accounting ledger does not prove that the debt is mine. 

The original date of the debt is reporting incorrectly based on their own accounting ledger.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received an alert showing that an inquiry for XXXX XXXX XXXX appears on my credit report. Because I did not authorize this inquiry nor had any knowledge of it, I immediately contacted XXXX XXXX XXXX at the number listed on the inquiry ; who instructed me to file a dispute with Experian. After calling Experian, the inquiry still has not been removed from my report.
Product: Mortgage

Cascade Financial, XXXX, AZ XXXX. I requested " forbearance, '' under the CARES Act due to a COVID 19 financial hardship. I was required to fill out several forms in order to prove hardship, and was then told I would have to wait up to 30 days for a decision. I was finally given a 90 day period of forbearance, which I requested to be extended for 30 days, but Cascade refused to do so ( XX/XX/XXXX ). I was told I was not eligible for an extension because VA loans are not eligible past XX/XX/XXXX. 
I have requested that forbearance be granted again since the CARES Act has been extended for another 90 days, and that I am indeed eligible. ( XX/XX/XXXX ) I continue to request forbearance, but Cascade will not give a definitive answer one way or another. I believe this is a stalling technique until the current 90 day CARES ACT expires. I have also been told all the paused payments are due in a lump sum at the end of the forbearance period. I have requested that the paused payments be moved to the end of my loan as provided for in the VA regulations for CARES Act forbearance.