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

This complaint is to describe an issue with the company Equifax and it's online account service MyEquifax regarding a credit freeze. The original credit freeze on my report/account was placed in XXXX. Around XX/XX/XXXX I placed an online request with Equifax to have a TEMPORARY freeze from XXXX XXXX, XXXX to XXXX XXXX, XXXX. It is now XX/XX/XXXX and when I logged on, I discovered via my account that the freeze had not been reinstated and the date of expiration viewed on my account was XX/XX/XXXX. This is 4 months past the requested expiration of the temporary lift. I verified the information by going to the " Freeze '' tab on my account which stated there was no active freeze. In attempting a subsequent temporary freeze, the online account stated that a lift was already in place and prompted me to change the dates to replace the previous lift. 
It is my contention that there was no freeze placed on my account from XXXX XXXX, XXXX to XX/XX/XXXX. The representative I spoke with could not explain the discrepancy in dates nor the lack of coverage and I am forwarding this information to CFPB in order to have the issue formally presented to the company to be investigated and resolved. Thank you! XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING To Fair Credit Act Section 601 Say You Have The Right To Dispute Any Inaccurate Information From Your Credit Report on XX/XX/year> A Debt Validation Was Send Here Is The XXXX  # XXXX Pursuant to 18USC8, I Owe no debt this company is violating my consumer right to privacy pursuant 15USC 1681b They also have no permissions to report ANYTHING using My Information Pursuant to 15USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and This complaint is against XXXX XXXX. While monitoring my credit diligently trying to increase my credit score, I spoke with a agent at XXXX who informed me that If I were to get a " deletion letter '' from all the creditors that are reporting their inquires to my credit reports, they could only then remove the inquires. I had just ( like 3 weeks ago ) finished paying off my XXXX XXXX XXXX account so tried to start with them. The rep that I spoke with stated they had no idea what I was talking about, after speaking to her supervisor put in a complaint and said something about disputing the inquiry, I explained to her that I did n't want them to do anything but send me a letter to mail into my cbr 's, here we are 3 days later after being told I would receive a letter 20 days later letting me know of the outcome I see where they went and DISPUTED the account I JUST PAID OFF, causing my credit score to drop by 20 POINTS!!!!!! So I called and spoke to 2 separate supervisors one that left me on hold for 40 minutes never returning to the phone and the other telling me there 's nothing they can do to remove the dispute ( THAT I NEVER MADE ) and all she could do is make notes that I no longer wanted to dispute the account!!!!! Why on earth would I dispute an account that I worked so hard to pay off so that it would reflect good on my CBR and raise my credit score????!!!! So now after working so hard to increase my score I 'm 20 points down, oh and here 's the thing my credit score had just gone up 18 points just YESTERDAY only for it to drop down 20 today  all because of a Dispute I DIDNT MAKE!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in a dispute letter to all 3 credit bureaus for Department of EdXXXX to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead XXXX has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. XXXX took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of XXXX verifying the account all they did was add late payments and ruin my score more!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XX/XX/year> XXXX XXXX XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I applied for a card through Chase that was co-branded through XXXX for a specificpromotion. I was not given my miles as the promotion indicated because I was misled by Chase 's promotion. 

The promotion stated, spend {$3000.00} in the first 3 months, I would receive XXXX miles. Then, if I spend an additional {$3000.00} in the next 3 months, I would receive an additional XXXX miles. This did not happen, so I called. 

The first time I called, in XXXX I believe, I was informed the miles would be placed in my account, but it would take time. I accepted that answer and I waited. Nothing happened. 

Then I called today, XXXX. I was informed I will not be receiving my miles because I had apparently signed up for a completely different promotion. This is not true. I was very deliberate when submitting this application.I was told I applied for a different promotion and was provided the XXXX miles and a {$250.00} credit from that promotion so they were unable to rectify the issue. They misled me. this is NOT the promotion that was advertised and I am very upset about it. They were wrong.Be aware of Chase and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian Has failed to fulfill its legal obligation Under the fair credit reporting act ( Fcra ) To conduct a reasonable reinvestigation Of disputed information on my credit report Leaving in accurate and unverifiable Accounts unresolved. Fcra Has recently filed a lawsuit against Experian Alleging, systematic issues such as Failing to forward customer information to Furnishers, Accepting unreliable responses And Failing to adequately Notify customers on disputed outcomes These align with my experience were Experian has neither removed Or corrected despite the evidence i provided causing ongoing harm to my Credit standing.

I am requesting Immediate action to remove Or amend the disputed accounts as Experian inaction violates federal law my rights
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX : {$1800.00} XXXX XXXX Balance : {$2000.00} XX/XX/XXXXL XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I submitted a complaint yesterday and I am unsure if it processed or submitted correctly. The service representative is now calling my family members on the cell phones to verify my personal information. This form of collection can not be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with XXXX, and TransUnion. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?
Product: Debt collection

The Chase bank account that was open was opened during a fraud investigation that I reported to the XXXXXXXX police department who attempted to get the information to find out who it was from chase and another company. However even myself tried multiple time to talk to chase and send in the information and never received a phone call or email from the department after sending all the police reports and information needed multiple times. Chase failed to help in anyway with the police investigation and would not give me any information about the account accept what was owed. In the end they have been destroying my credit for the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$760.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXXBalance Owed XXXX {$440.00} ; XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX Balance Owed : {$210.00} ; XXXX  XXXX XXXX Balance Owed : {$58.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX  XXXX XXXXIBalance Owed : {$43.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance Owed : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$730.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1200.00} ; XXXX  XXXXBankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX.
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 Account XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
The US Department of Edu XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
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 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 card or prepaid card

I've been having trouble with Chase Bank, with whom I have had investment and several credit cards with a complete and lengthy history of full and ontime payments. I am active military XXXX overseas. I'm reaching out to CFPB due to continued problems trying to apply for a product, getting correct and timely information relating to the application process as it pertains to my exact concern. 

In XXXX, I cancelled my Chase Sapphire Reserve Card and was told by a Chase representative that I could reapply for another as I could request for military benefits to be applied to the new account in spite of the old account not being eligible. After cancelling and reapplying, it was autodeclined as I was subject to a 48 month wait period. I was also told that the system would not process the application further and I would experience no impact from my application to credit history or score.

I called customer service today about confirming my 48 window from receiving my Chase Sapphire Reserve bonus in 2016 being finished to apply again for the Sapphire Reserve. Upon getting in touch with a representative, I was told my attempt in XXXX was too early and that I was eligible in XXXX of this year to apply for the CSR. 

I then applied today and was autodeclined. After calling the reconsideration line, I was told that I hadn't passed the 48 month mark yet. The rep couldn't confirm whether the application would cause any effect to my credit history or score but that credit wasn't pulled. This rep said I would be clear to reapply after XXXX or on XXXX at the first opportunity. 

I then called the reconsideration line again to confirm this information. This rep said since credit wasn't pulled and was identified by the system as not meeting the 48 month requirement, no impact would occur and nothing further would proceed. I then asked when the 48 month window would be satisfied and I would be clear to apply. The rep had the worst attitude I've encountered in some time, snapped " excuse me, I'm talking '' when I was trying to ask her a question from an overseas line, and refused to inform me when the 48 month window would end. I then told her she was being rude and she refused to do anything about it let alone consider how her actions came off.
Product: Mortgage

Ocwen Loan servicing ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX ) provided an inaccurate payoff quote that resulted in an over payment of my mortgage of {$5200.00} on XX/XX/2019. This over payment was placed in a suspense account by Ocwen. Ocwen consolidated all mortgage accounts with PHH Mortgage Services as of XX/XX/19. Since my mortgage has been paid off in full and I have never had an escrow account with Ocwen ( I paid paid all taxes and insurance fees directly ), I should be refunded the amount that Ocwen received as an over payment. I have contacted PHH Mortgage Services by email, phone and letter describing this issue. I have received no response that addresses the return of my money, Return emails only say, " You will receive a response email from one of our Customer Service Representatives within 5-7 business days. My first email to them was on XX/XX/19 and I have yet to receive a " response email. '' Customer Service Representatives ( after I have been on hold for as long as 30 minutes ) claimed to have referred my issue to the, " Escalation Department. ''
Product: Mortgage

Starting back in XXXX XXXX My Mortgage was with XXXX XXXX XXXX. I had called them and asked if I could push one payment back since I was never late in 10 years and had loss my business of 18 years overnight. They said they could not do that. I was unable to pay the XXXX, XXXX, and XXXX payment when I suddenly get a call from XXXX stating that they want to work with me. I received a forbearance agreement which called for half of my regular payment to be made for 12 months. I made the 12 agreed payments, then contacted them and I was told that they were working on it. 3 months go by and all of a sudden XXXX XXXX services went out of XXXX! I waited to see who would pick up my loan and lo and behold it 's Nationstar!, who contacted me 5 months after XXXX went under. I explained to XXXX that I had completed my forbearance agreement and was on the cusp of completing my loan modification. At that point I was told that I would have to start the process all over!! Between XXXX XXXX and XXXX XXXX I must have given them my Loan application at least 11times!! 6 of those within 1 year!! ( XXXX XXXX - XXXX XXXX XXXX Finally, in XXXX XXXX I get a loan Modification approved, made my XXXX trial payments and was to begin in XXXX of XXXX with my First payment. That month I was rear ended at a red light at XXXX, after i was released from the hospital, I called Nationstar to advise them that I 'm out of work at the moment due to the accident and will be starting rehab due to one of my XXXX XXXX XXXX. I asked what should I do because I did not want any problems with this loan mod since it took me almost 7 YEARS to acquire! The response they gave me was " Do the best you can '' While out of work and still in XXXX XXXX 2 months later, Nationstar called me and asked how things are going. I said I 'm still out of work and in rehab. I was told once again " do the best you can '', then a month later I was served with Foreclosure papers. While dealing with the foreclosure suit, the judge ordered it to mediation, upon meeting with the County 's Mediation Department, I was told if I had made ONE payment, they could have started the process all over. I said I have been dealing with incompetence from this Company ( Nationstar ) for over 6 years! I would get repeated calls and when I would answer they would hang up, Once i was waiting for the Escrow Dept. to call me back, I end up getting a call from loss mitigation offering me {$5000.00} to move!! I asked " do you guys talk between the departments? The girl said '' no '' I said " I can tell, I 'm waiting for Escrow to get back to me '', Not receiving Faxes that I sent upon request ( this happened multiple times ), etc. many more I could list. This could have been completed Years ago, but due to widespread incompetence on Nationstars part, this has now put me in a compromised position.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the CRAs XXXX, Equifax, and XXXX are in violation of USC 15 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On XX/XX/2022 I sent a letter to all three CRAs requesting to remove a bankruptcy reporting on my consumer reports. They all ignored my request and still continue to violate the laws by reporting this bankruptcy on my consumer reports still. I am notifying them this one last time before bring this to the court system. These companies irresponsible actions is causing damages to my character and I plan to seek maximum allowed remedy allow by the law.
Product: Payday loan, title loan, or personal loan

I apply for a personal loan with PNC bank in XX/XX/2022 and was denied never received the letter
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made settlement arrangement with XXXX XXXX XXXX  and made my payment on XX/XX/2021. They did not offer to remove them from my credit report but they did say they would mark them as charge off and paid in full for less than the full balance. I am fine with this agreement, but I'm not fine with TransUnion XXXX XXXX not following through and reported these as paid. XXXX is reporting them as legally paid in full for less than dull balance in the comment section but no where else. And on on of the XXXX accounts all three bureaus are still reporting the balance almost a full year later. I've sent them XXXX separate letters concerning this.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian in regards to incomplete and inaccurate information reporting on accounts on my consumer report. I requested Experian Fix the errors or delete the entire accounts. Experian conducted an " investigation '', but there are still errors on these accounts. I have attached my initial dispute, Experian 's response showing where they did not address the errors. I am formally submitting another dispute with Experian requesting they investigate the accounts with errors. Please see attachments.
Product: Credit card

On my XXXX, 2024 statement, Lowe 's credit card, hosted by Synchrony Bank, without giving prior notification, charged {$1.00} for sending a paper statement. I sent a letter explaining that I had not been forewarned of a fee for them sending a paper statement and I included a check for the balance on my account which was {$12.00}. In the letter I told them to accept my check as payment in full, that I do not owe the {$1.00} fee, and that I shredded my Lowe 's card. Synchrony cashed my check. 

I received a statement in the mail today for XXXX, 2024, from Lowe 's Synchrony showing an additional {$18.00} in fees charged, raising my balance to {$20.00}, all in junk fees. There are no outstanding balance on purchases.