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

I have recently obtained my credit report and have realized that I have these inquiries listed below that I did not give authorization to. Also, the following addresses I have never lived that are also reported and a company I have never worked for are listed below as well. I need them to be removed immediately. 

Addresses to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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 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

I've handed along something that needs to be removed or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My attorney has been informed of my objectives and is willing to think that Credit Bureaus are to blame for their stubborn rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance XXXX {$240.00} ; XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed that the following item ( s ) are inaccurate : XXXX / XXXX, XXXX, XX/XX/year>, {$2700.00} These inaccuracies have resulted in an unfair representation of my creditworthiness and have caused significant harm, including [ state any financial impact, emotional distress, etc. ]. I believe the responsible party has failed to follow the necessary steps to ensure accurate reporting, as required by law. 

As outlined in Section 1681o, I am entitled to dispute any information that is reported negligently. In accordance with the FCRA, I request that you take the following actions immediately : Investigate the disputed information and correct or remove the erroneous entries. 
Provide me with a copy of the corrected credit report reflecting the updates to the disputed items. 
Confirm in writing that the necessary corrective actions have been taken and explain the steps you have taken to ensure compliance with the FCRA in the future. 
I expect that this dispute will be resolved in a timely manner, as required under the FCRA, and that my credit report will be updated to reflect the accurate information. Should you fail to comply with the FCRAs requirements, I will not hesitate to pursue further action to enforce my rights, including seeking damages under Section 1681o for negligent noncompliance. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the issues have been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education/ Sallie Mae XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX There a multitude of problems with my student loans. 
1. Incorrect loan amounts.

1a. High Balance incorrect.

1b. Balance owing incorrect.

2. Payment history incorrect.

2b. Negative and derogatory remarks are incorrect and or inaccurate.

3. Multiple accounts of the same loan.

4. Inaccurate and incorrect dates of opening loans.

5. Loan numbers are shown multiple times as negative. { but is the same loan }
Product: Credit reporting or other personal consumer reports

I submitted FTC complaint about being an identity theft victim. Please remove these unauthorized inquiries from my credit report. 
XXXX INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have a federal loan and my servicer is MOHELA. My borrower portal states that my payment recertification date is XX/XX/XXXX. My XXXX datasheet states that my payment recertification is on XX/XX/XXXX. Both of these dates are before the XX/XX/XXXX recommendation of the department of education to delay a full year if before XX/XX/XXXX. Additionally, my payment is scheduled to jump to XXXX which I will not be able to afford. I called the servicer and spoke with XXXX employee # XXXX who was able to get me in line for a supervisor as she was unable to resolve the issue at her level. I was put in a call back line and received a call many hours later. At that time I was unable to talk and requested a call back the next morning at XXXX XXXX The supervisor agreed. I never received a call. I then called the service again and spoke with XXXX XXXX # XXXX and explained that I never received a call. I was told that the supervisor had supposedly tried to call me. I have no missed calls and no voicemail. The supervisor left a note in the chart saying that she called me and got my answering machine. Then there was a note that she discussed my case and that MOHELA would not abide by the recommendation of the department of education and would not push my payment recertification date back and I would need to resume my payment in XXXX. I again asked to speak to a supervisor and was placed in line. I again never received a call back. I have been completely mistreated. And MOHELA has blatantly ignored the guidelines published by the department of education. I have attached XXXX documents. XXXX is the main page on my MOHELA user interface which shows the XX/XX/XXXX date. The second is the XXXX data sheet that has my IDR recertification date of XX/XX/XXXX.
Product: Credit card or prepaid card

I have applied for CHASE credit card and was approved. I used the card for a month or so and next thing I know after I logged in to my online banking that my account was closed. It is completely understandable that each party can close the account at its discretion but reasonably. I called the customer service to find out why the only answer was that I would get an explanation letter in the mail. I did eventually get a letter that explained that the account was closed to to previous unsatisfactory relationship. I called again to figure out what was unsatisfactory about my overall relationship but never got a response. I am under impression that my race ( I am of XXXX descent ) played a role in their decision making as I have never had unsatisfactory relationship with Chase. If I had unsatisfactory relationship my account would have not been approved in the first place. I tried looking for some answers by googling and searching on forums but could not find relevant information. Up until today I have not been provided with at least some details as to why and how my relationship was unsatisfactory with CHASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning, X/XX/17, I tried at least three times to use the security freeze option offered online at Equifax 's web site at freeze.equifax.com. Each time, after following all the steps, I received a " 500 '' error message. I then went to equifax2017.com, and followed the instructions, to no avail. I tried the phone number given for freezing my credit at Equifax, XXXX. Following all of the prompts, " 5 '' and then " 3 '' I got through to the freeze function and was informed by a recording that it was unavailable. Through XXXX 's web site, I then tried another Equifax number, XXXX. After waiting on hold for a while, a representative answered and told me that in order to freeze my credit, I needed to go to www.ftc.gov/XXXX. I went there, and could find no means to freeze my account. Searches on that site for " freeze '' and " security '' revealed nothing. I then called the XXXX number again, XXXX, and was told that I should NOT use the ftc website, and instead should go to equifax2017.com. When I told the representative this did not work, he went away for a moment for further instruction. When he returned, he could do nothing but read from a script with the same instructions and say " I 'm sorry. '' I told him that the information being providers was useless, and he said " I 'm sorry '' as if he truly meant it ; I felt badly for him that he was put in this position.
Product: Student loan

Since XXXX i have been trying to pay my loans and they keep rejecting my payments. Now it is charging me late fees and RUINING my credit score. Customer service said they dont know and refused to give me any information, my bank says they arent seeing anything on their end, my banking information is correct. I dont know what else to do because its about to ruin any chances i have moving out of my parents house and its charging me interest!!! i feel like im being taken advantage off and need to take legal action to the fullest extent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1692 section C : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Credit card

I recently reviewed my XXXX and XXXX report and noticed a fraudulent JPMCB CARD account opened on XX/XX/2021 under the account XXXX. I'm requesting validation of the debt which includes the copy of all accounting records, Verification of JPMCB Card claim against me which is a signed invoice with my wet ink signature and the wet ink signature of JPMCB, I demand a copy of the Contract binding both parties which is allegedly me and JPMCB CARD in a letter by " certified mail ' so that there is an independent witness to it having been delivered, this Contract need to include wet ink signature. I demand to see the Full Disclosure because i was not told that i was actually creating the credit with my wet ink signature. Equal Consideration because JPMCB brought nothing of value to the table and so had nothing to lose. Lawful Terms and Conditions because mine was based on FRAUD. The wet ink signature of both parties must be signed on a legal binding contract from my understanding of the law JPMCB corporation cant sign with a wet ink signature because they have no Right or Mind to contract since JPMCB are soul-less legal fiction ( JPMCB ) and furthermore, no third party can sign a contract on their behalf. I demand you send me documents of who signed this legal binding Contract with their wet ink signature, because it wasn't me. I'm not requesting a STATEMENT, let me remind you a Statement is not an INVOICE, please provide a signed ' Invoice ' as requested. Please do not send me a Loan or Credit Card application, a Loan or Credit card application does not constitute a Contract as it is only signed by one of the parties ( himself ), i demand a copy of the Contract signed by both parties. I'm requesting all signed documents, contracts, invoices with the wet ink signatures of both parties be sent to me within the next 14 days and if this does not happen, then i will consider the debt fully discharged and deleted from all consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

So i sent a letter off on XXXX XXXX. Here is my tracking numbers : XXXX : XXXX XXXX : XXXX Transunion : XXXX To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late in XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file. 

There are 3 XXXX XXXX XXXX Accounts that are reporting inaccurate late payment.s
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 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

I am not able to apply for credit through equifax. I am not able to apply for anything that uses equifax. I have called and they say nothing is wrong but something is causing these errors in they system.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I have several TD Bank credit cards charges irregulars in 2022, I wait until the TD Bank credit card resolved the dispute and the credit card has been paid in full that way you don't considered this complaint as an excuse to not make the credit card payments. As well I have been requested TD Bank credit card to close my line of credit to avoid more fraudulent charges. 
TD Bank Credit card considered that the dispute claim is not relevant after contact the stores because the purchase was valid informed the business. I have an over charged in XXXX XXXX XXXX, {$690.00} I have Charges of XXXX XXXX V {$25.00} or {$35.00} several times, I never was at this salon at that time my nails show this clear because I am in hardship, I don't use Beauty salon when I am in hardship. Additionally, I have several liability deposits the business did not return the money or free the hold before I made the payment to TD bank therefore if the business returned the liability deposit money to TD bank the credit card must returned me the money. XXXX XXXX liability, XXXX XXXX XXXX XXXX. 

I really don't understand the point to open a Bank Credit Card Dispute, a Police -Theft Report, and cfpb complain. Because the cfpb will also close the case as not precedent and close with money to be returned. as well the Credit card and other and i will continue without Job and not able to work because I also have Fraudulent police reports. 
If these criminal actions are your matter of jurisdiction and you willing to investigate, don't hesitate to contact me to my email XXXX if you have any questions. ( Please have into consideration I have a hacker over my emails hiding your emails. ).
Product: Checking or savings account

I am trying to get assistance and resolution for non payment of an account bonus with XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I submitted an application for a new checking account based on an offer XXXX XXXX was running for a {$300.00} bonus. The checking account needed to be opened using a promo code XXXX. During the application process, I received an error but the account was still opened per an email I received on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX regarding a question had on a different promotion related to the share/savings account, but also inquired about the promo code for the new checking account. The rep I spoke with advised that she saw I was enrolled and that I just needed to fulfill the requirements for the checking account each month which were XXXX. To be enrolled in e-statements, XXXX. Have a monthly XXXX deposit of {$1000.00} or more, and XXXX. Have at least XXXX debit transactions that totaled more than {$500.00}. 

I proceeded to use my account and complete the activities necessary to qualify for the bonus. At the end of XX/XX/XXXX, I realized that I had still not received the bonus. I contacted XXXX XXXX on XX/XX/XXXX inquire about it. The rep I spoke with stated that she did not see the promo code added to my application or account, so she submitted case # XXXX to the marketing team to have it applied. She contacted me back the same day and advised the case had been approved, would be reviewed by their team to confirm the qualifications had been met, and that this process would take about XXXX weeks. 

After XXXX weeks had passed, the bonus was still not showing in my account. I contacted XXXX XXXX again on XX/XX/XXXX. The rep I spoke with stated the bonus was denied because I did not meet the qualifications. After we discussed the dates and transactions on my account, the rep reviewed my account with the help of her XXXX and submitted another case # XXXX. On XX/XX/XXXX, I received a return call from her stating that the marketing team had denied the case because they said I did not meet the qualification for the XXXX of XXXX, specifically the transaction total, however this is not correct. 

Based on my review of the account, My statement cycle in XXXX was from dates XXXX and when you look at my full transaction history, I have the required number of transactions, total debit card spend XXXX {$500.00} for said transactions as well as the necessary ACH deposits. The specific transaction that pushed my total debit card spend was made on XX/XX/XXXX, in the amount of {$520.00}. Per the rewards tracker portal that XXXX  XXXX  has, they are categorizing the transaction made on XX/XX/XXXX as part of the statement cycle dated XXXX, which is disqualifying the bonus. Page XXXX of my Full transactions statements file shows the transaction was dated XX/XX/XXXX. I have also included the rewards statements for dates XXXX & XXXX showing where the debit card totals are showing the incorrect sums.