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

To : Experian Credit Bureau From : XXXX XXXX XXXX XXXX Subj : Reason for XXXX FICO Score Note : This has nothing to do with an investigation, per se, there aren't enough selections to choose from that fit my complaint. This is about correcting my FICO score to fit my credit report that is EXCEPTIONAL> To whom it may concern, I am writing you today for an explanation on why my FICO score is at XXXX? According to my credit report, I am an exceptional consumer : I have no late payments, I keep my credit usage low, and I have no derogatory items. This is an example of an exceptional consumer according to your website www.experian.com. According to my credit report, I am an exceptional Consumer. 

FICO Score XXXX : What's a Great Credit Score? FICO is transparent about the variables that make up your score. Here are the five factors considered in your FICO score : Payment history : 35 % Credit utilization : 30 % Length of credit history : 15 % Credit mix : 10 % New credit : 10 % XXXX XXXX XXXX XXXX I used some examples of articles to understand credit rating and what determines an excellent FICO score. On my credit reports, I fall under all these qualifications that make up an exceptional consumer. 
I want to understand what do you use to determine a consumer 's FICO score? It seems there is a big difference in what Experian is reporting from the other two. I looked at all three of my Credit reports and the data is pretty much the same. 
My question is : What data from creditors do you collect to determine a FICO score? What algorithms do you use to determine a FICO score? Can you provide how your algorithms calculate a FICO score from what data they use on a consumer? Are you using any demographics to determine someones FICO Score? For example : 1. Race 2. Age 3. City and state 4. Sex 5. Religion 6. Political Affiliation These questions are being asked to understand why an exceptional consumer, like myself, only has a XXXX FICO when my history should show otherwise? I did not work hard to pay my bills on time and keep my credit usage low to not benefit from my hard work. Therefore, make me understand how I have such a disparity from one credit bureau to another? This doesnt make any sense. 
Equifax shows that I have an XXXX FICO, which is a XXXX point difference. That is a HUGE difference if all three reports show the same data. This must be fixed. 
This is what I am requesting and this is what I need to be fixed. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

I have asked over and over again for proof of debt. Just because they say I owe the debt does not make true or accurate. I am owed under the law proof of ownership of this debt. I want proof that this is my debt and they can not supply it. I demand this removed from all three credit reporting agencies immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

LONG BEFORE I FILED THIS REPORT I CONTACTED THE XXXX BUREAU 'S BECAUSE I PULLED MY CREDIT & I SAW SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE. THE BUREAU 'S COMPLETELY BLEW ME OFF & TOTALLY IGNORED MY CONCERNS ABOUT THE INQUIRIES. AFTER THAT I FILED A REPORT WITH THE CFPB ON XX/XX/2021 COMPLAINT ID # XXXX. THEY SAID THAT THEY REACHED OUT TO THE BUREAU 'S & THEY FOUND ALL INQUIRIES TO BE VALID. IN XXXX I BEGAN TO RECEIVE MEDICAL BILLS FOR SERVICES I'VE NEVER APPLIED FOR, RECEIVED OR KNOW ANYTHING ABOUT. AFTER THAT I FILED A POLICE REPORT WITH THE XXXX XXXX POLICE DEPARTMENT. I HAVE ALL DOCUMENTS BACKING MY CLAIMS. I FEEL THIS WHOLE PROCESS HAS FAILED ME. I SPOKE OUT ABOUT THIS BEFORE IT BECAME THIS BAD WHEN I POINTED OUT THE UNAUTHORIZED INQUIRIES BUT I WAS IGNORED & BLOWN OFF. NOW THE DAMAGES HAVE BECOME WORSE. ALSO, I'VE RECEIVED NOTIFICATION FROM XXXX AND XXXX THAT MY SSN WAS INVOLVED IN A XXXX DATA BREACH & FOUND ON XXXX XXXXXXXX XXXX AS WELL. PLEASE HELP ME. I AM A VETERAN & I FOUGHT FOR THIS COUNTRY & DON'T DESERVE THIS. ON TODAY I ALSO FILED A COMPLAINT WITH THE XXXX XXXX XXXXXXXX. WITH EVERYTHING THAT I'M PROVIDING & ALL OF THE STEPS THAT I'VE TAKEN THERE SHOULD BE NO REASON FOR THIS TO PERSIST. SOMEONE SHOULD BE HELD ACCOUNTABLE.
Product: Mortgage

I applied for a Recast with my lender-XXXX. I received confirmation with instructions on XX/XX/2018. I wired {$200000.00} to XXXX  along with completed documents on XX/XX/2018. The deadline was XX/XX/2018. My objective was to lower my mortgage payments from {$2100.00} to {$1100.00} to allow me to stay in my home ( husband died of a XXXX XXXX and I am unable to work due to an XXXX of my XXXX XXXX   ). I received a letter on dated XX/XX/2018 on approx. XX/XX/2018 stating my loan had been transferred to XXXX XXXX/XXXX XXXX. I am being told I need to restart the Recast process with no guarantee they will comply.
Product: Credit reporting or other personal consumer reports

15 U.s. 6802 code : Obligation of respect to disclosure of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institutions provides or has provided a notice that complies with section 6803.

15 U.S. Code 1681b - Permissible purposes of consumer reports- any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

B ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave them any written instructions to furnish anything on my consumer report so they are in direct violation of 15 U.S. Code 1681b 4 ) 18 U.S. Code 1028A - Aggravated Identity theft- also known as the Aggravated Identity Theft statute, prohibits the use of another person 's identifying information without their permission in certain circumstances. Felony violations-If someone knowingly uses, possesses, or transfers another person 's identification in relation to a felony, they may be sentenced to an additional two years in prison in addition to any punishment for the felony. Prohibited acts The statute prohibits the use of identifying information in connection with certain federal offenses and terrorism offenses. This includes using identifying information such as names, social security numbers, driver 's licenses, and more. Account : ( XXXX XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a section 609 dispute letter to Equifax on XX/XX/2023 on two accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been over 30 days and the matter has not gotten resolved. The credit companies are not complying with their own policies in a timely manner. I'm attaching the letter that was mailed out to them.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ChexSystems, Inc. 
Attn : Consumer Relations Date XX/XX/XXXX RE : Consumer ID # XXXX Dear Collections and Consumer Relations Dept. : I was recently informed of negative information in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I am unaware of this. Please validate this information and provide me with copies of any documentation associated with this item bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Product: Debt collection

Calvary collection agency is trying to collect on a debt for a MasterCard account via   XXXX   XXXX  . I do not recall ever having a MasterCard and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Calvary bearing my original signature. Calvary has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that Calvary has been unable to provide this information and the debt still remains on my credit. Calvary is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XX/XX/XXXX and Calvary states it was opened  XX/XX/XXXX . Per the Fair Credit Reporting Act, changing the date the account is opened is against Federal  Regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of XXXX, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit card or prepaid card

On XX/XX/2021. I applied for chase southwest rapid rewards card online. As advertised, the issuing bank agree to provide a statement credit of {$200.00} at the time I was approved for the credit card. Okay, I was instantly approved online for the credit card and called customer service to retrieve the credit card number to book a flight. The customer service representative acknowledged I was approved but was NOT able to provide my new credit card number over the phone because of privacy issues. Okay fine. I waited for the credit card to arrive in the mail as suggested then I booked several flights since I received the new credit card. Today XX/XX/XXXX, I received my credit card statement in the mail and NO statement credit of {$200.00} was applied to my credit card statement as advertised at the time I applied.
Product: Debt collection

Received a " Cancellation of Debt '' 1099-C form for XXXX  taxes. From XXXX California - Hyundai Motor Finance Co. 
Submitted a complaint to credit bureau and they will not change credit report to not report this as a negative item. Credit bureau said Hyundai is keeping it on my file.

The debt is cancelled so why am i being negatively impacted by an item that is cancelled. Hyundai should not leave a negative item for nonpayment on my file when they sent me 1099-C that i had to report on my taxes. Debt is paid.

My report Id number for the report from the credit bureau is XXXX - XXXX I am being penalized for a debt that is paid even by Hyundai understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert from XXXX that a hard inquiry occurred on my file from Synchrony bank. I called them to dispute it and they recommend that I also file a complaint with the FTC.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I do n't know who this company is I do n't owe anyone XXXX I am requesting a full payment history. A signed copy of my contract. If you do n't have a copy of the contract remove this from my credit. 
Account number XXXX that 's all they gave me
Product: Credit card or prepaid card

I have a credit card with Chase Banking. I noticed fraudulent activity on my credit card in XXXX of 2021. I immediately notified Chase, disputing the charges and opening a fraud claim. The claim was denied on the basis that a physical card was used ( according to Chase ). I was not notified the reasoning for this decline, I was forced to call them back and have it explained to me. I informed Chase at the time of reporting the fraudulent activity that I had the card in my possession, and this fact was still ignored. I also informed Chase that the state I live in is ( Colorado ), and it is where I was residing at the time of the fraudulent charges that occurred in the state of Missouri. I did not have any accessible records on my XXXX to prove me location, and because I work remotely, I did not make any other transactions on that day to prove my location. My only option is to pursue phone records from my wireless carrier, XXXX XXXX, however, when I called and asked for this help, I was informed that XXXX would only release the relevant records to me in the case that they are subpoenaed from a lawsuit. Since I do not know who made the charges, in a different state, I have no ordinary way to obtain the records that prove my location and allow my to successfully dispute the charges. As a result, I am forced to pay off the $ XXXX charges that were fraudulent.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I am a XXXX XXXX XXXX and I have a checking account with Chase Bank. 
On XX/XX/XXXX I wrote to Chase Bank, from my XXXX address, asking to close the account and to wire the balance to my XXXX Bank. 
In response, Chase Bank disregarded this instruction and sent a check for the balance to an address in the US at which I had not been resident for 10 years. The current resident kindly alerted me to this. 
It became clear that the check would be of no value in the XXXX as it was made out to a XXXX XXXX XXXX in Arizona that has no validity in the XXXX. I wrote to Chase Bank on XX/XX/XXXX explaining that the check had no value and asking that the account be re-opened so that the balance could be transferred by other means, for example as a check in my name or a directly wired transaction. In response I received a form to re-issue the check. 
I contacted Chase Bank Escalation Team in search of a solution ( case ref XXXX ). After a series of conversations, on XX/XX/XXXX I was advised by Chase Bank Escalation Team that if I presented the check at the counter of a Chase Bank branch in the USA it would be cashed. 
On the basis of this advice, I travelled to the USA and presented it at the counter of the Chase Bank at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Despite presenting full identification and an extensive conversation with XXXX XXXX XXXX XXXX, Branch Manager, Chase Bank were now unable to cash the check and I was obliged to return to the XXXX without the balance of my account and considerably out of pocket from the travel costs. 
Subsequent communications have not identified any method to return the balance of my account to me. 

In summary : - Chase Bank hold the balance of my account. 
Chase Bank disregarded my instructions to close the account and wire the balance to my XXXX bank Instead, Chase Bank sent a check which has no value. 
On the basis of an assurance from Chase Bank, I travelled to the US at considerable expense. 
I hope that the CFPB can assist in the return of the balance of my account and gaining compensation for the time and expense of a fruitless journey to the US from the XXXX.
Product: Checking or savings account

To whom it may concern, I have attempted on several occasions to reach out to the bank Chime customer service department via phone and email in regards to unauthorized/ disputed transactions on my checking account ending in XXXX. 
The following transactions are involved in the dispute : XXXXXX/XX/XXXX- {$110.00} For this XX/XX/XXXX order XXXX I returned all products to XXXX in which I have attached returned proof and shipping. I have tried reaching out to both XXXX and Chime regarding the matter, both seeming unwilling to help. 
XXXX XXXX XXXX XXXX XXXX {$20.00} XXXX XX/XX/XXXX account- {$70.00} XXXX XXXXXX/XX/XXXX- {$32.00} Total amount disputed : {$240.00}. 
I initially tried contacting customer service by phone over a month ago via telephone where someone hung up on me. On Moday XX/XX/2022 I sent an email to Chime member services at XXXX, with the above disputed transactions along with supporting documents. I followed up with my initial email on Thursday XX/XX/2022 and Friday XX/XX/2022. Additionally, I have tried contacting via telephone since then several times to get no response or a human answer. This has been an extremely frustrating experience, as this transactions were unauthorized or for items I paid for but did not receive. I have attached all emails sent to chime in addition to the original disputed transactions and other supporting documents.
Product: Checking or savings account

I tried to open an online saving account in XXXX XXXX 2017 and XXXX XXXX 2017 with CIT bank ( online ), but they rejected my application without a legit reason. I feel really offended and discriminated during the process. First time ever to have the issue with opening a saving account
Product: Credit reporting or other personal consumer reports

: Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( XXXX ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Anypersonwho willfully fails to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( XXXX ) any actual damages sustained by theconsumeras a result of the failure ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was sold to this company last year. I applied for a modification in XX/XX/2021 and sent in all requested documents. I have not been hearing back from the company. Every time I call I am told I will get a call back and there is no follow-up. In the meantime, the unpaid forebrearnace balance has been growing. I called them today and insisted on a call back and the person told me I didn't qualify for a loan mod because I didn't send in the requested documents, which is not true. I have the email that I sent to them. They said they sent me a notice of missing documents, which is also not true. Then the man kept pushing on me another program because I failed to qualify for loan mod and said if I didn't accept today they would send my file to loss mitigation. They declined to defer the loan balance, which is what I requested in my application. They are going to recapitalize the loan which makes my payments balloon. If I couldn't pay my mortgage before how will I manage an even higher payment now? They're giving me no reasonable options to save my house and giving me information in a rushed phone call and expect me to accept their terms, immediately. I'm not ebbed sure what the man was trying to explain to me. In the meantime, the deferred/owed balance is continuing to grow. I did send all the documents required in XXXX, they're trying to scam me and trap me into a higher payment which I can not afford so I will end up losing my home.