23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. Delayed mortgage discharge issuance 2. Massachusetts XXXX requires that lenders provide the closing attorney a mortgage discharge within 45 days after the acceptance of full-payment and that has not occurred. The delay is causing me financial hardship as I can not close on a home equity line because of this. I have spoken with them several times and can not seem to get anywhere with them on this. I am reaching out for help to get this resolved ASAP. 
3. Fifth Third Bank was paid in full on XX/XX/20 however no mortgage discharge has been sent to my closing attorney. I would like them to send a mortgage discharge to my attorney XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
4. The lender is Fifth Third Bank XXXX XXXX XXXX XXXX, OH. My account number is XXXX. 
5. My name is XXXX XXXX. The property address is XXXX XXXX XXXX XXXX, MA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax data breach, I wanted to place a security freeze on my wife and my Equifax credit reports. I could not place these freezes online as the Equifax web site credit freeze app was non responsive. So I downloaded and printed out the credit freeze forms that Equifax provides for this process and I completed these on behalf of my wife and myself and submitted them via certified mail as Equifax requires. 

Subsequently, we received no response from Equifax with the usual PINs needed for the temporary future lifting of a credit freeze should that become necessary. I had successfully placed freezes on our XXXX, XXXX, XXXX and XXXX  XXXX receiving the required acknowledgements from all the latter. Only Equifax continued its sub-par performance by failing to confirm our freezes were in effect. Furthermore Equifax provides no obvious telephone contact number for consumers who may need to contact them. This kind of poor communication is unacceptable.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS ABSOLUTE RESOLUTIONS I Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card or prepaid card

In XXXX, I was alerted by a message in my email from XXXX XXXX, that Barclay 's had reduced my credit limit by almost the exact amount I made a payment. There was no prior notice that this action would be taken. 

This card had a high balance because it was applied for on a XXXX XXXX, and the cost of the cruise was automatically applied to the card. The card had been consistently paid. In an effort to raise my credit score, this summer, I began to make several large payments to to the card. I thought this would positively raise my score. But, quite the opposite. Barclay 's decided to lower my credit limit, which lowered my credit score. Why was this done?

When I called to inquire about the action, I was told there was nothing to be done. A supervisor then informed me that my credit usage ratio was high. Well, I was actively taking action to lower the ratio, but Barclay 's decided to lower my credit limit, which nullified my actions.

This action has lowered my credit score through no fault of my own. I am consciously trying to build my credit score, and these banks in response either cut my credit limits by the amounts I pay the card down or they close out the cards. 

I feel as if this is done purposely to justify higher interest rates. 
Thank you.
Product: Credit reporting or other personal consumer reports

I have credit cards from back in XXXX and now it no credit records its dated XXXX. I still have the credit cards. No impact on my credit. I'm not being reported correctly on both ends, XXXX won't even update my credit and my true background report. 

Everytime I apply for a mortgage or a vehicle, here come incorrect credit collection. They are just putting anything they can on my credit and it's effecting me I have a family. How is possible when credit mean so much for someone to lie and report false information? It stops a person from advancing in life its illegal. I should not have fake credit problems. Show something truly delinquent.
Product: Credit card

I applied for a credit card from JPMCB CARD SERVICES on XXXXXXXX and was denied and asked for return of appplication if no credit card would be issued. I was declined both the return of my instrument as welll as reconsideration and approval for credit instead the employee scrutinized my credit report of personal information stating that I was not credit worthy and I have it all on a audio recording as I tried to reason with the employee. I asked were they in compliance with truth in lending as well as fair credit opportunity act an which she say they were but she still proceeded to belittle and discriminate against me but per 15 U.S.C. 1691 a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section 605b ( a ) XXXX  and Equifax 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated by FCRA to report accurate accounting. Consumer has advised ALL ACCOUNTS AND INQUIRES reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is liable under the SEC to follow certain rules. EQUIFAX commission file number 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 will be filing form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Inaccurate Late Payments Dear Sir/Madam, I am writing to formally dispute the late payment records appearing on my consumer report with your agency. The following late payments have been reported inaccurately and require correction : Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX  Status Paid, Closed Under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between myself and the creditor reporting the data. Late payments fall under this category and should not be included in my consumer report.

Additionally, I am requesting verification of the reasonable procedures followed, as required by 15 U.S.C. 1666 ( b ), to ensure that each periodic statement was mailed at least 21 days before the payment due date, along with all required disclosures under Section 1637 ( b ) of Title 15.
Product: Credit card or prepaid card

I put in a dispute with Chase Credit Card for the charge of XXXX by XXXX  XXXX XXXX. 

I am not using this antiquated system. Primarily because your bank HAS FAILED TO ADDRESS MY INITIAL COMPLAINT THAT I WAS A VICTIM OF A CRIM, I SUBMITTED ALL INFORMATION MULTIPLE TIMES VIA YOUR FORM AS WELL AS TOO EMPLOYEE 'S. YOU HAD EMPLOYEE CONTINUE TO CALL ME FOR INFORMATION I HAD SPENT HOURS GIVING TO YOUR COMPANY AND YOU HAD EITHER IN DIRECT WRITTEN FORM VIA THIS FORM OR SHOULD HAVE BEEN NOTED BY YOUR AGENTS. 

You can not force me to use this, it is a dereliction of fiduciary duty as you have FAILED TO EVER ADDRESS MY INITIAL COMPLAIN YOU FAILED TO SERVICE ME WHEN I CLEARLY AND VALIDLY FILLED THIS OUT BEFORE. 

The fact you even sent it to me is going to trigger another round of complaints to the usual. 

I am including all the information I have already sent the party who charged me when I complained to the XXXX for Business Profile for XXXX XXXX XXXX XXXX Headquarters Multi Location Business Find locations At-a-glance Contact Information XXXX XXXX XXXX XXXX XXXX XXXX IN XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX I placed the name under XXXX XXXX Order # XXXX TOTAL {$60.00} I ordered from steak and shake, first off they missed 2 Chili 's. They also claimed when I called them they didn't see that on my order notes, the way the items were meant to be made was completely wrong on literally everything but one burger I had made normally. You can see on the itemized receipt the XXXX doesn't have extra sauce it has barely any and was dry, the double cheese burgers didn't have pickles or onions I paid for on all 3 sandwiches, and on the website i selected no mustard but they have mustard. The franks came without mustard as requested but I bought them to get a deal on the Chili and did not get the Chili I would not have otherwise purchased them. The cotton candy milkshake is cookie dough and has whipped cream and cherry which I asked to be left off, overall I paid for delivery of these items but at least 80 % of them were wrong or groce .... The onion rings were soggy clumped together soft and oily mess, they were not what was advertised and certainly where coated in oil nasty and inedible and due to being coated in oil did not match the nutritional info on XXXX XXXX XXXX XXXX website. 

I have given you all information needed for the dispute including pictures.
Product: Credit reporting or other personal consumer reports

Gave the Cras reporting this information the amount of time needed to provide me validation of the alleged debts and verify these accounts that are on my consumer report but the demand has yet to be met
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to get my credit report through Experian, I spoke with them over the phone but the issue never been resolved, last time a report was made on my credit file was in XX/XX/2022. That geopardise me, I was denied by XXXX credit card because they couldnt pull up my credit report through Experian, Everytime when I try ordering my credit report through the annual credit report I am also getting the same issue, my personal information doesnt match. I had a free membership account with Experian but they still not able to help me, Ive been on their file last ten years, why I couldnt get a new report?
Product: Credit card

On XX/XX/XXXX the balance on my account was incorrect due to additional interest that was added to my account because of a promotion expiring and the payments not being allocated correctly. The balance was adjusted by {$2900.00} to the correct amount, however the minimum payment was not adjusted and incorrect. I called in to explore situation and a ticket was created and I was then escalated to speak with a manager. My balance on the account is {$1000.00}. My minimum payment amount is {$150.00}. This amount is incorrect as the minimum payment due is 1 % of the total balance plus interest and fees. If the minimum payment due is less than {$40.00}, the minimum payment amount will default to {$40.00}. This is my understanding of how my payment is calculated with my Home Depot store account provided by Citi. My calculation on the minimum payment due is roughly {$36.00} and would then default to the {$40.00}. The manager I spoke with had no idea how to calculate my minimum payment due and said the {$150.00} is the correct amount, however the {$150.00} was based on the incorrect balance from the previous month and not adjusted when the new balance was corrected. Citi refused to make any adjustments or provide information on how the minimum payment would be distributed between balance and interest. In addition to this confusion, I received an email stating my minimum payment is {$180.00} and not {$150.00}. Citi has an ongoing issue with providing incorrect payment, balance, and promotional information to its customers. This continued complacency and confusion should not be allowed from any corporation, but especially one as large as Citi and Home Depot. My auto pay would not process also due to the fact the minimum payment was incorrect. I would like this corrected and any fees associated with late payment be waived due to the incorrect payment amount.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I was approved for a {$500.00} payday loan advance and I hgave them my info but now their server is down and no one will return my calls!!!!
Product: Debt collection

Portfolio Recovery Associates called my XXXX about a " debt '' from 2003 of XXXX trying to get information like where I lived, my social security number, and where I work. They should not disclose personal information to other people about an XXXX year old debt especially.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Loan Discharge Due to Data Breach and FERPA Violation Dear Sir/Madam, I am writing to formally request the discharge of my federal student loans due to a significant data breach involving my confidential student aid information. On Friday, XX/XX/XXXX, my personal and financial data was compromised when XXXX, a XXXXXXXX vendor contracted by the Department of Education , accessed my sensitive information without my consent. This unauthorized access constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which safeguards the privacy of student education records. 
The breach has exposed me to potential identity theft, financial fraud, and other serious risks. As a result, I no longer have confidence in the security of my data or the integrity of the loan servicing process. This breach has caused significant emotional distress and financial uncertainty, and I believe it is only fair that my federal student loans be discharged as a result of this negligence. 
In addition to the FERPA violation, this incident raises concerns under other federal privacy and data protection laws, including the Privacy Act of 1974, which mandates that federal agencies protect individuals ' personal information. The Department of Education 's failure to safeguard my data has directly impacted my ability to trust the system and has caused irreparable harm. 
I kindly request that you provide me with detailed information regarding the steps being taken to address this breach and protect affected borrowers. Furthermore, I urge you to discharge my federal student loans in light of this egregious violation of my privacy rights and the potential long-term consequences of this data breach. 
Please confirm receipt of this letter and provide a timeline for resolving this matter. I am prepared to provide any additional documentation or information required to support my request. 
Thank you for your prompt attention to this serious issue. I look forward to your response. 
Sincerely, XXXX XXXX