23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I cash app {$460.00} to my bank XXXX XXXX XXXX and on Saturday XX/XX/2020 I call the bank and they told me they never received it to my account. 
and as of XX/XX/2020 it is still not in my account at XXXX XXXX XXXX XXXX. I have {$460.00} missing and no one knows where it went to. I am out of {$460.00} I dont know where it went to. I need someone to please investigate on this matter. 

Thank you XXXX XXXX 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 XXXXt Account XXXX XXXX XXXXXXXX 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 1681 Section 611 Section 5 ( A ) ( i ) states any information disputed by a consumer that can not be verified or found inaccurate will be promptly deleted. The balance reported is inaccurate the original amount is {$1900.00}.
Product: Debt collection

" Security Credit Services '' is reporting two separate amounts in collections on my credit report. I have sent them two separate requests for validation, as the original creditor was n't one I recognized. The most recent request was sent on XXXX/XXXX/2017, and is attached to this complaint. They have failed to respond in written correspondence, with the information needed to validate any accounts they have in my name, or any amounts they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not create an account on Equafax and XXXX I do not have a smart phone and need one to get into these companies.

I did my best to verify my ID and it's still not good enough when I pass security questions. I also tried to buy services and could not buy even with my credit card.
Product: Mortgage

My loan servicer was transferred from XXXX XXXX  to Chase in XXXX and I was notified at the end of XXXX. Before XX/XX/XXXX, I attempted to setup my chase.com account and failed. I called Chase and was notified that I would be unable to setup an account until XX/XX/XXXX. I was directed to XXXX for additional information. I noted in the FAQs section, under Payments, that I should start making payments to Chase on XX/XX/XXXX. 

On XX/XX/XXXX, I setup my account. Only XXXX of my XXXX mortgages appeared in my account, so I contacted support and after a transfer, my other mortgage was visible. 

On XX/XX/XXXX, I got my account statements for XXXX that indicated that on XX/XX/XXXX, I would be paying XXXX and XXXX payments. I called Chase, but they were closed for the XXXX holiday. 

On XX/XX/XXXX, I called Chase again. XXXX and I got disconnected when I was put on hold while they spoke with someone else at the office. I called back and spoke with XXXX, she was unable to help me and transferred me to XXXX ( othy ). XXXX confirmed that the website said XX/XX/XXXX and said he was creating a ticket to have it fixed. He opened XXXX # XXXX and said he would call me back On XX/XX/XXXX, XXXX ( XXXX ) called back and told me that the website was informational only. He then told me he was unable to do anything.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX : XXXX
Product: Checking or savings account

I was a victim of a scam, and my bank ( PNC ) has decided not to reverse the funds for a total of {$1300.00} which was through XXXX I tried going through them first before reaching out to this company
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX due to late payment. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Equifax in regards to inaccurate accounts on my credit reports. in my letter, I requested that Equifax send me documentation such As a contract that tied me to this account or delete them from my credit report. It has be over 30days and they have not supplied me with the results of the investigation. Therefore I am asking that these false and inaccurate/ unverifiable items be removed from my report. I am demanding that the following unverifiable accounts be removed from my report Since Equifax has failed to furnish the results of the investigation in the timely manner regulated by law : The following account is not mine XXXX  XXXX XXXX  XXXX XXXX Account Number : N/A Please remove it from my credit report. 


2. The following account opened XX/XX/XXXX is not mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account opened XX/XX/XXXX is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4.The following account opened XX/XX/XXXX is not mine XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5.The following account opened XX/XX/XXXX is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7.The following account opened XX/XX/XXXX is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


8.The following account opened XX/XX/XXXX is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


9.The following account opened XX/XX/XXXX is not mine DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report 9.The following account is not mine XX/XX/XXXX is not mine. 
DEPT OF ED/XXXX  Account Number : XXXX Please remove it from my credit report 10. The following account is not mine XX/XX/XXXX is not mine. 
CHILD SUPPORT ENFORCEMENT Please remove it from my credit report 11. The following account is not mine XX/XX/XXXX is not mine. 
US DEPT. OF EDUCATION/XXXX  xxxxxxxxxxxx XXXX Please remove it from my credit report
Product: Credit card or prepaid card

I received a credit card offer from American Express in XX/XX/XXXX that included XXXX bonus miles and a cash credit of {$200.00} if I charged {$3000.00} within 3 months. 
On XX/XX/XXXX, I called AmEx to verify that I would be eligible for the bonus. They assured me I was qualified. I had recently had an Amex BLUE card, but this was a GOLD card, so I could get the bonuses. So I applied for and received the card. I then charged over {$3000.00} right away. 
In XXXX I noticed I'd received no bonus, so on XX/XX/XXXX I called and spoke with XXXX, employee # XXXX to complain. She opened case # XXXX. She said investigation would take 7-14 days. 
I received no response, so on XX/XX/XXXX I called and spoke with XXXX, employee # XXXX who said the investigation closed on XX/XX/XXXX and they concluded I was NOT qualified for the bonus, since I had had a BLUE card until XXXX, before receiving my GOLD card. This contradicted what they told me in XXXX. I was then transferred to speak to XXXX, employee # XXXX, who agreed to another investigation. He told me they could listen to the recording of our phone conversation in XXXX of XXXX and if I had been promised the bonuses, I would get them. He told me the investigation would take about a week and they would call me. 
I never received a response ( again ), so on XX/XX/XXXX, I called and spoke to XXXX, employee # XXXX, who told me the new investigation had closed and no bonuses were approved. He could not see that they had listened to the recording of my conversation in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concern over the infringement of my consumer rights caused by the dissemination of inaccurate information. Fair treatment is my fundamental right as a consumer, and I kindly request a thorough explanation of the deficiencies in meeting accuracy and compliance obligations. 
Moreover, it is crucial to emphasize that I can not tolerate negative information, regardless of its certification. 
What truly matters to me is the verifiable truth regarding your company and the data associated with my credit profile. The lack of accuracy in the credit report I received is surprising, as it is expected that you adhere to the FCRA and applicable Metro 2 data field formatting standards. I hereby challenge you to provide a comprehensive, verified, complete, and truthful document that supports each claim made. Failure to adhere to these standards, as outlined in the 2020 XXXX, poses a severe risk to data integrity.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 USC 1681 SEC 602 clearly states that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and respect for the consumer 's right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies, and I am the Consumer. As the Consumer I have the right to make sure my private information isn't shared which per 15 USC 6801 back it by stating " It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. " ( DEPT OF EDXXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 SEC 604a section 2 states that that " In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( DEPT OF EDXXXX ) THE FINANCIAL INSTITUTION and the Consumer reporting agencies XXXX, XXXX, EXPERIAN do not have my consent to furnish this information, and they absolutely Do Not have my written consent. Any and all consent to XXXX, EXPERIAN, XXXX, and DEPT OF EDUXXXX XXXX WHETHER IT BE VERBAL, NON- VERBAL, WRITTEN, UN WRITTEN , IMPLIED, OR OTHERWISE IS REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given explanation of how the consumer can exercise that nondisclosure option. '' DEPT OF EDUXXXX NEVER INFORMED ME OF MY RIGHT TO EXERCISE MY NON-DISCLOSURE OPTION. Not only that per 15 USC 1681C ( a ) ( 5 ) states '' Execpt as authorized under subsection ( b ), but no consumer reporting agency may also 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 XXXX years. '' This account is in adverse item they are reporting again without my permission which is against the law. 15 USC CODE 1681S-2 ( A ) ( 1 ) A states " 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. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, AND EXPERIAN ARE NOT maintaining reasonable procedures. And to add 12CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Product: Credit card

I have had a revolving credit account with Rooms To Go, managed by Synchrony Bank, since 2008. Throughout this time, I have maintained a perfect payment history, with no missed or late payments for over a decade. Despite my responsible use of credit, Synchrony Bank recently reduced my credit limit from {$4500.00} to {$1500.00} without prior warning or specific justification, citing vague reasons related to " account activity '' and general risk factors. 

This unexpected credit limit reduction has severely impacted my credit utilization rate, which in turn has harmed my credit score. My current balance is {$1400.00}, and prior to the limit reduction, my utilization rate was a manageable 32.6 %. Following the reduction, my utilization rate has skyrocketed to 96.9 %, a drastic increase that pushes my usage rate far beyond the recommended threshold of 30 %. This unjust action is having a damaging effect on my credit score despite my long-standing, excellent account history with Rooms To Go and Synchrony Bank XXXX 

Given the long-standing relationship I have with this account and my clean payment record, I find the reduction to be unfair and unwarranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This correspondence shall confirm the termination of your ownership due to a cancellation in XX/XX/XXXX for XXXX XXXX XXXX  XXXX ( XXXX ). Account was cancelled due to loan default. While I no longer have an obligation to this company... XXXX XXXX XXXX XXXX is continually reporting month after month that this debt is still unpaid and my credit rating is below negative. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX Fax XXXX. 

I need to put a STOP to this negative reporting as I can not get any credit approved from other financial organizations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the tradeline associated with XXXX XXXX XXXX ( XXXX ) from my credit report. I have recently responded to XXXX  court filing, and the case has been legally dismissed. As a result, their continued reporting of this tradeline is inaccurate and must be removed immediately. 

Furthermore, XXXX has violated several laws, including engaging in practices such as " debt parking, '' which is illegal. Their actions have caused significant harm to my credit and financial well-being, and I expect Equifax to ensure the accuracy of my report by removing this erroneous and unlawful tradeline. Investigate this company as they done so many illegal tradelines for years.THIS ACCOUNT IS NOT MINE! 
I am writing to formally request the removal of the tradeline associated with XXXX XXXX from my credit report. I have addressed their claims and have confirmed that they are in violation of several laws.If the company did not issue you a 1099-C for the charged-off amount, it suggests the debt may not have been properly canceled. However, if the company has legally forgiven or abandoned the debt but failed to notify you or the IRS, it could raise questions about their compliance with federal law. 
3. Potential Violations If a company reports a charge-off on your credit report but does not hold the debt ( as disclosed in their XXXX ) or fails to issue a 1099-C when required, they might be violating : The Fair Credit Reporting Act ( FCRA ) : Reporting inaccurate or misleading information. 
IRS Regulations : Failure to report canceled debt as required. 
Unfair or Deceptive Practices : Continuing to report the debt when their own records ( via the XXXX ) indicate they have no legal claim. THEY HAVE NOT PERFORMED OR ACCURATLY NOTIFIED ME. Lastly, This letter serves as my final demand for the immediate removal of the consumer statement currently appearing on my credit profile ( I HAVE NOT AUTHORIZED THIS TO MY CREDIT REPORT ). I have contacted your office multiple times to request its removal, and despite repeated assurances, no action has been taken. 

Your failure to comply with my requests constitutes negligence and a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer credit reports must remain accurate and reflect updates as requested by the consumer. Continuing to ignore my lawful request exposes Equifax to potential legal action.

If the consumer statement is not removed from my credit report within seven ( 7 ) days of this correspondence, I will have no choice but to escalate this matter.It has come to my attention that my personal information was exposed during the Equifax data breach. As a result, I believe my information may have been used without my authorization to open these fraudulent accounts.
Product: Student loan

NAVIENT, A NEW NAME FOR SAME OLD SHADY XXXX XXXX. EVERY TIME I MADE AN EXTRA AMOUNT TOWARDS PRINCIPL TO PAY OFF MY LOAN EARLY. BUT THEY KEEP POSTING THE EXTRA AMOUNT TOWARDS MY NEXT PAYMENT. I CONTACTED THEM SEVERAL TIMES BY EMAIL AND PHONE, BUT REFUSED TO DO WHAT I INSTRUCTED. KEEP READING THE SAME GARBAGE FROM FREQUENTLY ASKED Q AND A. MY ACCOUNT IS CURRENT AND I ALWAYS PAY ONLINE. THIS IS ANOTHER WAY TO KEEP THEIR CUSTOMER IN DEBT BY TAKING PRE PAY INTERESTS.
Product: Mortgage

I was in process of a cash out refinance with Wells Fargo on my home and have been given multiple options with completing the process, however the underwriter contacted me directly asking inappropriate personal questions about why I chose to move to the area of XXXX. 
The next day ( today ) I was given unreasonable lists of documentation to submit that are not typical or necessary. I have over the amount of the pending mortgage at this banking institution and 4 times the amount of pending cash out in property.
Product: Credit card or prepaid card

I have not been able to use my card since around XX/XX/2022. When I call the Customer Service number I am unable to speak to anyone. I am either on hold for an excessive amount of time ( over an hour then I hung up ) OR a recorded message reports a high call volume with extended wait times OR suggests that you call back at a later time due to a high call volume..
Product: Debt collection

Got two letters from this company saying I committed fraud saying I owe money I dont know about calling me fro a number last night that said XXXX Texas XXXX XXXXpm saying I committed fraud that phone number was XXXX sent a letter last week saying same thing told me I had to XXXX on XXXX XXXX which I received on 15 th I dont have money laying around like that I am XXXX XXXX XXXX live on fix income XXXX XXXX XXXX XXXX they are aggravating me to XXXX I have the letters
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not removed 30 day late due to national disaster XXXX XXXX XXXX has stated on credit report due to national disaster XXXX XXXX  Transunion XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Debt collection

We had a Capitol One Credit Card. My wife had XXXX, and we realized we were over our heads with credit cards, so we turned them all over to XXXX. It has been great, all show current on our credit report, except for Cap. One. They refuse to change their status to closed, they show they utilize 43 % of our income, so we can not get a home loan from anywhere. They say their policy is to show it open and late until it is paid off in full. Their balance is over {$400.00} and we can not pay it in full right now. They kept us from getting a bank home loan and a USDA home loan, I have spoken to everyone I can get to at their offices with no help. They wo n't change it, even though they have been paid their required payment each month for almost 3 years on time each month. We are in our XXXX. We live in a small rental trailer that is very old with a lot of issues that pose problems to our health, well being and finance. We want a small home of our own. When we applied to USDA the first of this year, we were turned down because of this one account. They refuse to show that they have been paid and are being paid through the consumer credit service.
Product: Credit card

Both me and my wife opted-in the Chase XXXX XXXX after reading carefully about the promotion terms. 
After spending {$1000.00} ( XXXX at each account ). 
Neither my nor my wife 's accounts get the promised XXXX Chase reward points. 
It makes sense that my account hasn't received it yet since my reservation 's travel date is next XXXX. However, my wife 's account also didn't receive it.
Product: Debt collection

In 2015 I was a consumer of XXXX cell phone services. I received a bill for an erroneous amount and tried repeatedly to resolve this issue. In my efforts, I was transferred numerous times to many different representatives and had to repeat the complaint over again to each new representative. A number of times I was placed on hold so long that I had no choice but to disconnect the call. Out of frustration with XXXX, I requested that my account be closed and was transferred to a relationship representative. I repeated the same complaint about being billed erroneously and thought the issue would be resolved, but was not. Instead, I received another bill including additional late charges and disconnection fees. I finally had no choice but to switch carriers w/out resolving the billing error. I've discovered that this outstanding amount {$1900.00} is now being reported on my credit report by Southwest Credit Systems. I'm requesting that the CFPB assist me in getting this matter resolved and removed from my credit report. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Charged off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$93.00} Charged off XXXX / XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Charged off XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Included in Bankruptcy XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Collection Inquiries in Dispute : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX