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

Dear Sir or Madame : I am writing this formal complaint today regarding a failure to address a negative entry I have disputed multiple times. The entry has not been addressed as either investigated and verfied, nor deleted. The negative entry is XXXX XXXX XXXX XXXX and my suggested resolution is that Equifax comply with the requirements in the Fair Credit Reporting Act, and either investigate this information as requested in the original dispute letters and verify its accuracy, or remove the information from the credit file. I have included all letters, signature mail reciepts, and credit entry showing the listing referenced. I have filed a seperate complaint regarding this collection agency as they have failed to validate or verify the information regarding the alleged debt. The reference number for this complaint is 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 XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account 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: Debt collection

This is my XXXX complaint with this debt collector that bought old debt 2011. I had a wage garnishment and due to the collector not serving me properly. I was given back every penny and the levy was then closed. This collector keeps trying to get the venue transferred to a court to re serve me. The court that the collector is submitting it to gets taken off calendar then gets denied. I am like how much longer can this go on. I am a single mom with a daughter in school, trying to put a roof over her head and with this open collection no one will lease me home, we are now homeless. I have tried to contact the credit card company to make arrangements to pay the debt and only get told Mam? this account has been charged off.
Product: Debt collection

When reviewing my credit report, I noticed a derogatory entry claiming I owe Jefferson Capital Systems ( on behalf of XXXX ) {$410.00}. They claim I incurred this debt in XXXX, 2023. Not only have a not an account with XXXX in recent memory, but I have had a cellular telephone account with a different provider for several years. In addition, I did not receive any notice of this debt by phone, electronic mail, regular mail, or any other method -- either from Jefferson Capital Systems or XXXX. I also did not receive a notice outlining my rights to dispute this debt or request information from the creditor. 

Whether this is due to human error, false identity, or another reason, the abject failure of these companies to make reasonable efforts to contact me regarding the debt before reporting it is alarming.
Product: Mortgage

starting in XX/XX/XXXX i received a call from my mortgage broker offering a refi. I explained to them I was not interested in paying to refi a loan that was less than 1 year old. I was told there were no closing costs outside 1 month 's payment. after receiving loan form they were trying to roll costs into my loan. When this was brought to their attention is was denied. I had to finally ask what my principle was vs the loan amount to make a vivid point they were caught. After accepting I caught this problem it was immediately changed. Fast-forward to day, there is still no active refinance completed and I have been told they had to rewrite the loan. During this process I received an extreme amount of e-mails from Mr. Cooper. At one point when I decided to monitor them I received 18 e-mails from XXXX to XXXX the following day. I was also argued with when pointing this out and even demanded mismanagement attention. No calls have come nor e-mails trying to defuse this harassment of e-mails. Now my mortgage has went from XXXX monthly to XXXX monthly with the excuse my escrow account was miscalculated. When I tried to call customer service about this they had no clue what was going on nor the knowledge to properly discuss. I tried to get the rep to but the simple math to paper and she refused eventually leaving me on a constant hold when I demanded management. In summary this lender has falsely advertised a refi they could not come through on, they have harassed me via spam e-mails way into the night and have cause my mortgage to go up XXXX with no proper explanation why. The third issue could phase most Americans out of their homes, an increase of XXXX a month with no notice. There is already class action against this lender from what i am now reading and i feel that I have fallen into their predatory habits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was recently in the hospital for major XXXX on my XXXX  a year ago. I just now have got back to work. I discovered that my credit file has over 72 inquires for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 72 times that is insane and unnecessary. Please delete the following inquires Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have some issues also with unrecognized addresses on my credit file Please delete the following addresses : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XXXX, OH XXXX I would like a full copy of my credit file.
Product: Credit card or prepaid card

Comenity Bank XXXX Bread XXXX I have multiple store cards through this bank and I am unable to access any of them through the online portal. I cant see my statements ( I receive electronic statements only and I cant get in to change it back to paper ), I cant check for fraudulent charges, I cant pay my bills, I cant update my address, etc. I have at least 6 accounts managed by Comenity and I cant access any of them. This has been an ongoing sporadic issue since the migration from Comenity to Bread in XXXX of 2022. This is incredibly frustrating. Additionally, this bank has closed 3 store cards this year, for inactivity, with NO warning to me first ; this negatively impacted my credit. I need answers as to when I will be able to access my accounts again through the online portals. I even tried using the XXXX feature, which doesnt require you to login, and I still got an error. They make it impossible to pay them so they can charge late fees and more interest.
Product: Credit reporting

I disputed an Item from the City of XXXX utility bill which states after the investigation that it is still vailid an has a date of XX/XX/XXXX which I vacted this property in XX/XX/XXXX and it was sold in XX/XX/XXXX yet 3 years later they say this bill was delinquent. I am sure I paid this bill but can not find my reciept but it is definitely older than 7 years old and I feel this is because of my XXXX name that XXXX is refusing to release this debt. this is why Im making a complaint.
Product: Mortgage

I have send couple of emails to mortgage company to clarify the charges. Call the XXXXXXXX XXXX XXXX XXXX to verify the payments and no payments were paid on the property. Company wont respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my auto loan servicer, Santander, to let request a courtesy reversal of the late payment reporting as I suffered from a XXXX in late XXXX that kept me out of work for almost three weeks, which is why my car note was late in XXXX. After suffering this loss, I expected the company I have been paying on-time for over one year would have some kind of compassion in regards to the American disability act, seeing that XXXX is considered a temporary XXXX. I can provide hospital documentation if required.
Product: Student loan

When I first took out my loan in 2010 it was originally with XXXX, who later became Navient. The interest on the loan was very high and I was steered into making forbearance payments, which did not help because the interest was capitalized over time. After only being to make minimum ( interest only ) payments at first, I quickly realized that it would take many, many years to ever pay it off. 

My complaint is about the forbearance, and the extremely high interest rate and capitalization of the interest. ( There was one year when I paid over {$6000.00} in interest alone. ) Recently I have paid off both my loans with Navient but it did not come without a cost or major sacrifice, and that is what my complaint is about. Please let me know if there is a class action suit against Navient as I believe I would very much participate and have the records to show their wrong doing. 

Thank you!
Product: Mortgage

I have a high interest rate FHA loan on a double wide, which is now attached to a permanent foundation and has no DMV title anymore. I was told that my lender chase had to work with me on a Streamline FHA Refinance so I could get a lower interest rate, but they are refusing because was a double wide at one point. I have no options as I am upside quite a bit owing about {$100000.00} and the property value is far less than that so I ca n't do a traditional refinance, but I am getting XXXX by the payments and just want a lower interest rate.
Product: Debt collection

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
Product: Student loan

I got these loans as a XXXX kid who wanted to go to college. If Im being honest, dealing with Navient and student loans in general has soured me to college at all. It costs too much and they are loath to help if you are in a financial bind. They will not defer due to hardship and they dont communicate well. When I asked for an automatic payment to be cancelled, they didnt do it and it wasnt in the notes. My call happened to drop when I was asking for that and I was overdrafted by {$140.00}. I have kids and Im trying desperately to make enough money to pay off these loans despite my degree not helping me at all. The last lady I spoke to had an attitude and acted blas about my request for refund since they over-drafted my grocery money. After she said she wouldnt help unless they listened to the call, I just hung up. They also call me and my co-signer constantly. I had to block their number ( send it automatically to voicemail ) on my phone because they would call me upwards of 4-6 times a day. I have told them time and again that I want nothing more than to pay them off and be done with the whole thing. I want to do things right, but I didnt know what I was doing when I took the loans and dont recommend private student loans at all. Im essentially paying for what amounts to nothing and its drowning me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and two consumer loan accounts were made in my name. The lender 's name is Affirm. The first account was opened on XX/XX/XXXX for {$130.00} and the second on XX/XX/XXXX for {$310.00}. When I saw these fraudulent accounts on my credit report, I contacted Affirm, submitted a dispute with the credit bureau, and filed and submitted a police report. Not only did Affirm demand that I pay off the fraudulent accounts, they also refused to remove the fraudulent accounts from my credit report. When I contacted Affirm, they said I needed to pay off the accounts because they were in my name. I did so because I didn't want any more negative impact on my credit report ( there are months of late payments on the two accounts because I was unaware of the accounts/ I didn't open them ). I've since paid them off and they both have {$0.00} balances. Can you please remove these two fraudulent Affirm accounts from my credit report. It's frustrating to have my financial life impacted by something I didn't do. And I've gone above and beyond to fix the issue. I contacted the creditor ( Affirm ), submitted a dispute with my credit bureau, filed and submitted a police report ( attached ), and even paid off the accounts even though I didn't open them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters to open a dispute with Equifax and XXXX on XXXX XXXX of 2021. There is inaccurate accounts on my reports. Including XXXX XXXX  with a balance of {$12000.00}, XXXX XXXX XXXX with a balance of {$120.00}, XXXX XXXX XXXX with a balance of {$26000.00}, XXXX XXXX XXXX with a balance of {$13000.00}. Its been over 30 days since Ive disputed these accounts.
Product: Credit card

The Apple Card, issued by Goldman Sachs, refuses to completely close my account ending in XXXX, with a {$0.00} balance. As of today 's date, it shows a balance owed of {$1900.00} for account XXXX. 

I have called them multiple times and shared with them my XXXX XXXX XXXX  that was successfully XXXX in XX/XX/XXXX, and they still refuse to remove the account in question even though it was included in my Bankruptcy filing. 

This account is still showing as active on my Apple ID Profile, it needs to be removed. 

I am requesting the complete erasure of the account to be removed from my Apple ID, as it is a discharged debt, as well as a document stating my balance is {$0.00}. Something to which they said as much to the CFPB in a previous complaint, but failed to enforce, as of XX/XX/XXXX. See attached screenshot of Goldman Sachs stating I owe a {$0.00} balance. I spoke to the Apple Card Goldman Sachs representative who told me that my balance was still due, and that it does not show a {$0.00} balance and that the account is still active. 

This is illegal and needs to be rectified immediately.
Product: Checking or savings account

Chase closed our checking and savings account saying they are suspending my husband 's unemployment funds, when he provided documents proving he is receiving these funds and they are legitimate. They are suspending the funds. We have went to the branch proving this and still no resolution. I have been a customer of chase for over 10 years, without so much as an overdraft.
Product: Debt collection

Debt is unknown to me. Amount of $ {$10000.00}. opened XX/XX/XXXX, XXXX collection agency has refused to take it off my credit report.
Product: Checking or savings account

Charged overdrafts again and again called to try to figure out how and what was happening but was charged more times. My account ( checking ) was closed and charges were put on my credit.
Product: Credit card or prepaid card

RE : CFPB Complaint Number : XXXX. 

CFPB sent my original complaint to the company ( US Bank ) fifteen days ago, on XX/XX/2023. US Bank has failed to respond to CFPB or to me regarding my complaint. Therefore, US Banks response to my original complaint is untimely according to the CFPB regulations. 

Since having filed the original complaint, I received a letter ( photo attached ) from US Banks credit department dated XX/XX/2023. 

The letter states more reasons than was told me by the telephone conversations with employees of US Bank immediately after learning that my application for the credit card State Farm / US Bank invited me via a letter to apply for had been declined. 

By telephone, I was given only one reason for my application being turned down and that was but for having been granted too many new lines of credit by other companies within the most recent twelve months. ( In my original complaint I acknowledged the amount of the recent personal unsecured line of credit granted me by XXXX XXXX  in error at [ {$20000.00} ], when in fact the new line of credit with XXXX XXXX is for [ {$25000.00} ] ). 

The attached letter states multiple reasons for US Bank declining its solicitation to me via the United States Postal Service to apply for yet another State Farm / US Bank credit card and stating, We hope you are enjoying the State Farm / US Bank credit card the companies had granted me long ago that I have, in fact, enjoyed which is why I accepted their new offer to apply for yet another of their credit cards. 

Since filing my original complaint with CFPB, I wrote to the chief executive officer of US Bank, XXXX XXXX XXXX. I reminded XXXX XXXX that State Farm / US Bank had performed a soft pull of my credit standing BEFORE mailing to me its solicitation to apply for the Good Neighbor credit card and therefore the companies knew all of the reasons it stated for denying me their offer AFTER US Bank then pulled the hard pull it used to deny me their offer and that there was no more information that US Bank could have learned about me that it already knew from the soft pull. 

My learning that a soft pull was performed to qualify me to be mailed the offer only to be turned down with the results of the hard pull that hurt my credit rating is outrageous and is another reason for me making this second complaint with CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX credit card opened XX/XX/XXXX and XXXX XXXX Credit card XXXX XXXX and XXXXXXXX XXXX XXXXXX/XX/XXXX. I do not recognize the aforementioned accounts or collections as reported. The above mentioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above and mentioned accounts and collections are the result of identity theft and fraud. I have attached all correspondence 's and a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am rewriting to complaint to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Money transfer, virtual currency, or money service

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

Further, 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. These actions have caused significant inconvenience and financial loss, for which I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Let me provide you the Address and Telephone of the person committed the Bank Fraud : XXXX XXXX, CEO of Citigroup : Address - XXXX XXXX XXXX, XXXX XXXX, NY XXXX Telephone : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX e-mail : XXXX Let us hope that you have no problems to contact him. Thanks, XXXX XXXX XXXX, ID No. XXXX, Home address : XXXX XXXX XXXX, XXXX, NY XXXX ; Tel : ( XXXX ) XXXX ; E-mail : XXXX XXXX
Product: Credit card

On XX/XX/2023, I received a phone call from Barclays stating that my account is past due XXXX days. This account was past due XXXX days due to an annual fee that posted to my account. 

I received no notification whatsoever regarding late payment.

Barclays ended up closing my account without me knowing.

I paid all fees, penalties, and remaining balance. I requested paper statements and attempted to find out if my credit score was affected and whether my card could be reinstated. Representatives were unable to answer.
Product: Credit reporting or other personal consumer reports

Equifax credit reporting agency and it's successors wrongfully reported my credit score to the creditors I was seeking credit with and my application was denied.My credit score with Equifax was well over XXXX and they lowered my credit score XXXX points on the day I was applying for the credit.The only change on my report that there was, me paying off a credit card balance of {$120.00} on one of my credit cards. There has to be a reason for Equifax to lower my credit score XXXX points I need to know what was the reason.The other credit reporting agencies report over XXXX for months at a time I never missed a payment with any of my creditors. I have know idea what Equifax 's qualifications employment hiring process is thou the decisions that those unqualified employees are making for consumers can have a serious adverse affect on a families life.