23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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

I recently conducted a review of my credit report, and I noticed that your agency showed multiple credit inquiries that I find to be problematic. 

The first inquiry in question was apparently made by XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( XXXX XXXX ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX a identity theft report with ftc
Product: Credit reporting or other personal consumer reports

XX/XX/year> i requested my items be updated and fixed on XXXX  and im currently waiting for a response.
Product: Debt collection

I am not familiar with this account neither did I authorize this account I was XXXX I am a victim of identity thefts
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that I have listed are fraudulent and must be deleted within four business days of your receipt of this report pursuant to 15 USC 1681c-2 on clear ground of identity theft. Also update my personal information pursuant to the same FCRA law. 

See Attach Identity theft report.
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccuracies and unauthorized actions on my credit report that violate my rights under U.S. Code laws, including 15 USC 1681a ( 2 ) ( i ), 15 USC 1692g, and 15 USC 1681c-2. Here 's a summary of what happened : XXXX : ** I request this late payment be updated to " paid as agreed, never late, '' as it should be excluded under 15 USC 1681a ( 2 ) ( i ). 
XXXX - XXXX : ** XXXX XXXX XXXX XXXX, I demand validation of this alleged debt. Without proper proof, this account must be deleted from my report. 
XXXX XXXX - XXXX, XXXX, XXXX : ** I demand validation of these debts under 15 USC 1692g. Proof of the original contract bearing my signature or other required documentation must be provided, or the items should be removed. 
XXXX  - XXXX : ** I request validation under 15 USC 1692g, with specific proof of the debt and the collector 's authority. Without this, the false reporting must be removed. 
XXXX - XXXX : ** Validation of this alleged debt is required under 15 USC 1692g. Failure to provide the documentation mandates removal of the account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : ** I demand validation of this debt as per 15 USC 1692g. Lack of proper validation means the item must be deleted. 
XXXX - XXXX : ** Validation is required under 15 USC 1692g. If not provided, this account must be removed. 
XXXX - XXXX : ** I request validation under 15 USC 1692g. Documentation proving the validity of this debt is necessary, or it should be deleted. 
XXXX - XXXX : ** The debt must be validated under 15 USC 1692g. If proof isn't provided, this account must be removed. 
XXXX XXXX XXXX - XXXX : ** I request validation under 15 USC 1692g, including original documentation. Failure to comply requires the accounts deletion. 
XXXX - XXXX : ** This debt must be validated per XXXX XXXX XXXX. Without evidence, this entry must be removed. 
Bankruptcies : My identity has been violated, and fraudulent use of my personal information occurred. I demand the deletion of these bankruptcies under 15 USC 1681c-2 and 15 USC 1681b within four business days. 
Additionally, I assert my rights under XXXXXXXX XXXX XXXX  XXXX XXXX, where failure to comply with these legal obligations may result in liability for willful non-compliance. I demand immediate action to address these issues, including deleting inaccurate or unverifiable information from my credit report. If my requests are not honored promptly, I am prepared to escalate this matter through legal channels.
Product: Credit reporting 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. Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX, XXXX Number : XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Product: Credit reporting or other personal consumer reports

This is a general problem with all three XXXX XXXX XXXX XXXX ( XXXX, XXXX, Experian ). 

It used to be if you froze your credit report, they'd give you a pin, and you couldn't remove the freeze without the pin. This was a good safety feature in case the credit bureau 's online account is hacked. And it is easily hacked. 

With the XXXX data breach, almost every address I've had for the last XXXX  years was exposed, with my XXXX, and my XXXX. This gives the hackers the information they need to answer the typical security questions these credit bureaus ask. 

So even if the credit bureau set up two-factor authenticationand they don't do this well, eithersomeone would just call in and using the XXXX  data breach information to answer the questions someone will ask, and then change the account over to their own email and phone. 

But if the agencies provided pins, the person wouldn't have access to these. XXXX does this, but these XXXX used to but I believe only XXXX of them has a pin and I don't even think it uses it anymore. 

On XXXX, here are folks have to clean up the mess from hacked credit bureau accounts. This is unacceptable. And the only thing I can think is they want flimsy security into scaring you into signing on to their overpriced security offerings. 

This has to be better.
Product: Credit reporting

I recently inspected my Equifax credit report via " XXXX ''. I noted that they had the wrong form of my name on my report. My legal name is XXXX, and my Equifax credit report has the name " XXXX ''. Informally, I 'm known as " XXXX '' among family and friends, and at one time I spelled the short form of my name " XXXX ''. But since then I 've changed the spelling of my informal or " nickname '' to " XXXX ''. NONE of this has any bearing on the name that SHOULD be on my Equifax credit report, because for business purposes, when I sign anything or conduct ANY kind of business, I ALWAYS go by my legal name, " XXXX ''. Per Equifax 's instructions, since one of the items I was disputing was the name on the report, I faxed copies of my birth certificate and state-issued Identification card via fax, along with a written detail of any other information I wanted to dispute. Before faxing the documents, I made certain that all info, INCLUDING my birth certificate and State ID were clear and legible. 
Unbeknownst to me, once they received my faxed documents, they downloaded them on their computer system in XXXX, Georgia ( I do n't know what they did with the hard copies after that ), and when their customer service agents now try to access them in whatever country they 're outsourced from, they 're reduced to fit their monitors and resolution, making my birth certificate supposedly impossible to read by them -- but the ID is still legible. 
I 've told them repeatedly that I do n't have any other documents they might find acceptable, and that they should go by the State ID I sent, which they agree is legible, since it 's not my fault they converted the hard copies to an electronic form that 's illegible. I also reiterated to them that I ensured that the hard copies I sent were clear and legible, so I 've done my due diligence. Now they 're refusing to update the name on my report to my legal name, purely on a technicality in their regulations, even though the issue is their fault and not mine. 
Do I have any recourse against them, or any way to compel them to make the necessary changes, or to attempt to locate the original hard copies I faxed, or am I at their mercy, even though I 'm in the right? 

Thanks in advance for any assistance or information you are able to offer. 

Sincerely, XXXX XXXX XXXX, OH XXXX XXXX
Product: Credit card or prepaid card

As you all helped me with this transaction back in XX/XX/XXXX   where I was scammed and Paypal/Synchrony Bank ruled in my favor I find out now that I am being charged cash advance interest on that transaction for years. I didn't know this was happening all these years because I went to paperless billing and didn't pay attention to this until now.
Product: Credit reporting or other personal consumer reports

I DISAGREE with the accounts listed below which STILL appear on my credit report for the THIRD time, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. Your report concerning me is harming me personally, emotionally, and financially, and causing me damage. I have asked you more than TWICE to VERIFY these inaccurate accounts and Equifax has failed to do so. 

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 In accordance with, The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I also requested that you provide the names and business addresses of each individual with whom you VERIFIED the above so that I may follow up and you FAILED to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX  Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$62.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$360.00} 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
Product: Credit reporting

I contacted Transunion about 3 months ago approximately in referenced to an unauthorized inquiry. I receive an alert from XXXX with an unauthorized inquiry from a company called XXXX on XX/XX/2016. I requested for Transunion to dispute which they refused and I am entitled to dispute any fraudulent information on my credit report. What is extremely upsetting, is that there were fraudulent inquiries on my credit report a few months ago and I was informed to contact the police department and they would extend the fraud alert to the extended fraud alert for seven years and it was not applied as informed. I called Transunion and submitted online the case number from the XXXX Police Department, case number XXXX Officer XXXX. This company should have contacted me if the fraud alert was applied. I am asking for the immediate removal of this fraudulent inquiry. I contacted XXXX XXXX and they informed me to dispute with Transunion,
Product: Money transfer, virtual currency, or money service

XXXX XXXX wo n't allow me to buy bitcoin and link account on XXXX.
Product: Credit card or prepaid card

I 've been a loyal cardholder with Synchrony bank since XXXX. I currently own a card from Care Credit, Chevron, Jc Penney 's and Lowes. In XX/XX/XXXX I filed a complaint via Consumer Financial Protection Bureau in regards to my Chevron Card because my limit was decreased from {$3000.00} to {$1200.00} which I thought was too low for a customer who has been a cardholder for 13 years. My limit has never been decreased even when my credit score had slightly changed in the past. Evidently, my credit score changed earlier this year which led Synchrony bank to decrease my Chevron Credit Card limit. Furthermore, the reason why I am filing a complaint today is because I feel as though I am being retaliated against from filing a complaint back in XX/XX/XXXX. When I filed the complaint in XX/XX/XXXX I received a response from XXXX XXXX XXXX, Senior Specialist who decreased my limit on the Chevron Card but also turned around and decreased my Credit Limits on my Jc Penney and Care Credit Card some weeks later because I received a letter in the mail. I know that my credit limits were decreased ONLY because I filed a complaint on my Chevron Card in XX/XX/XXXX. I don ; t think that was right, it was very disrespectful and inconsiderate. Remind you, my credit limits were not decreased until after I filed the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these hard inquiries on my TransUnion credit report XXXX CARD SERVICES Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type I also do not recognize any of the hard inquiries on my credit report from XXXX, or XXXX either .
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an unresolved issue with my Chase Complete Business Checking account ( Account Number : XXXX ), which I opened in 2019. At the time of account opening, I was working with XXXX XXXX ( XXXX ), who applied a coupon code to the account that entitled me to a {$300.00} bonus after meeting the necessary requirements. 

Despite numerous follow-ups with XXXX, who assured me multiple times that he was working with Chases internal teams to ensure the bonus would be posted, the {$300.00} has still not been credited to my account. This issue has now been unresolved for more than XXXX years, which I believe is unacceptable and does not reflect the level of customer service I expected from Chase. 

I am requesting the immediate posting of the {$300.00} bonus, which I rightfully earned upon meeting the requirements at the time of account opening. It is frustrating and disappointing that I have had to pursue this for so long without any resolution. 

I kindly request the Consumer Financial Protection Bureaus assistance in addressing this matter, as I believe it reflects a significant lapse in XXXX 's commitment to its customers. At the very least, I demand the {$300.00} bonus that was promised. 

Thank you for your attention to this issue. I look forward to your assistance in resolving this long-standing problem. 

XXXX XXXX
Product: Credit reporting

I sent a request for an investigation regarding an erroneously reported account by Child Support with Equifax. Equifax sent my letter to XXXX XXXX, which invaded my privacy as XXXX XXXX has and had nothing to do with Child Support. Not only did they send my personal information regarding my credit but they also sent my social security number, date of birth and address. This was wrong of Equifax to o this and possibly damaging. they should not have been so careless as consumers put their trust in the credit bureaus. I sent Equifax proof that this account was paid and they did not bother to update my account.
Product: Mortgage

OCWEN Mortgage XXXX. Has not mailed me my tax documents. There 's a lot of complaints against them for this same issue. Also I submitted for a loan modification a couple of years ago & spent over {$700.00} in refaxing the documents to them from XXXX & ea. time they sd. They did n't get them. I almost ended up in the street with my XXXX kids & both of my parents living with me, I 'm a single mom.
Product: Payday loan, title loan, or personal loan

Correction in documentation- Yes, i have tried to handle and communicate with company about situation. They will not work with me in any ways and are rude and unprofessional place i have ever been a customer of. On XX/XX/XXXX, I received a loan from Cash Net USA for XXXX. A few months later I got a XXXX and XXXX dollar loan. Equaling XXXX. I was not informed that I would be paying XXXX dollars biweekly. I contacted the business. They did not help any and told me " orry we cant help you. Then they agreed to XXXX dollars every two weeks and did not keep their word. I called today XX/XX/XXXX. Asked how much I had paid so far- XXXX. Asked how much more I owed- XXXX. A total of XXXX for a XXXX dollar loan!!! The lady proceeded to say I was charged XXXX each time even though I did not take out XXXX dollars! They are scammers! and do not care anything about their customers! I am a single mother and their is no way possible way I can afford XXXX every two weeks. I have tried to contact the company on several occasions but no response/or no help what so ever. I am not looking for pity- I am looking for assistance. & making this company understand what a horrible company this is.
Product: Payday loan, title loan, or personal loan

I made an agreement with local branch ( XXXX XXXX XXXX XXXX ) and manager agreed. I start making payment every month however she was not reporting the payments. I later received an email that my wages would be garnish. I called the local branch back and was told that there wasn't anything that could be done. I later called the headquarters where the attorney for the branch was located. I spoke with several reps and was told that I received the garnishment due to the manager did not let the headquarters know about my payments. After several weeks of researching, a rep from the headquarters called and told me that it was to late to try to settle however I could my payments to the headquarters and not the local branch. At that time, I was given the amount that was due which included my previous payments. So I paid the amount agreed upon for two more months however I was wanted to be completely done with the company. Therefore I went ahead and paid what I was told the balance. I called to make sure payment was received and asked for receipt of the payoff however I was told that I owe thousands more. The company is taking advantage of me and trying to scam me out of more money. Please help.
Product: Mortgage

When I first got mortgage in XXXX  they gave me 4 % interest rate. My neighbor got 2.5 %. 
During Covid I asked for forberance and Valley Bank added XXXX to my mortgage. 
I paid extra money towards principal and they took additional interest on payment.
Product: Mortgage

XXXX XXXX filed a Chapter XXXX bankruptcy in an attempt to modify the mortgage with Wells Fargo Bank on his primary residence and avoid foreclosure. He submitted the necessary documents through the DMM portal and was denied based on his ability to make the original mortgage payment. He appealed the denial and the appeal as denied without specifically addressing the issue of mortgage affordability. Additionally, XXXX XXXX XXXX business failed and he struggled for several years before finding his new job. It appears that if he had a lower paying job that the mortgage could be modified. It is not the payment that is the problem but the arrearage that has built up while he was not employed.
Product: Student loan

FedLoan Servicing is not honoring the Department of Education 's waiver for the XXXX XXXX XXXX XXXX program. I currently qualify for forgiveness on my student loans but FedLoans is not processing my application. If I call, I am given misinformation based on pre-waiver guidance. I have spent hours on hold only to reach a representative that tells me to continuously submit employer certification forms. All of my loans are currently eligible for forgiveness. I had to fight FedLoans to restore payments from XXXX - XXXX for over 5 years ; I requested manual review of my account and restoration of payments beginning in XXXX. My account was not reviewed and the missing payments were not restored until the Massachusetts XXXX settlement with FedLoans, which occurred in XXXX. 5 years of calls, emails, inquiries, to restore 18 months of missing payments. The ongoing struggle of fighting this predatory servicer has taken a toll on my quality of life. I have filed complaints with the Massachusetts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and now with your office. When I called today, I was told it will take 6 months to process my account. Such lengthy timelines are unnecessary and unacceptable. Many people are losing hope in this process, once again. The waiver made XXXX worse, not easier, for many borrowers.