23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

As I had filed a complaint regarding XXXX XXXX XXXX XXXX rewards program, refusing to give points for my purchase {$59.00} and credit account balance CFPB # XXXX. Now XXXX XXXX XXXX XXXX changed the Order Number : # XXXX receipt transactions is " blank '' not identifying products purchased ( see Attached ). 
However, the original receipt of purchase Order Number : # XXXX shows what I ordered and identifying the products purchased {$82.00} I ordered boots and {$84.00} I ordered perfume which is a third party and {$59.00} was the reef and leggings which XXXX XXXX XXXX XXXX did not give me any points. 

XXXX XXXX got rid of fragrance and perfumes on the website ( See Attached ) which is a third party company XXXX. I believe they are trying to hide something and be deceitful because I filed a complaint against their rewards program, refusing to give me points toward my purchase of {$59.00} leggings and reef and my account credit balance which is wrong, it's not {$100.00} which someone is stealing my credit. Then they erase the perfume and boots I ordered please see receipt # XXXX and erase perfume and fragrance from the XXXX XXXX website ( see attached ) to hide their dishonesty and deception on my orders, stealing my credit and rewards. 


XXXX XXXX XXXX XXXX keep changing the rewards report acting retaliatory and belligerent not consistent with their on terms and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint in XX/XX/2023. I requested for unauthorized items listed on my report to be removed. I attached all documents needed to complete this process, but only selected items were removed. Per the FCRA, section 609, I am requesting all information pertaining to the attached inquiries. I am legally entitled to all documents related to each item, please include each original credit application and contract containing my signature.

If you are unable to meet my request, please remove all 7 inquiries attached. I am allowing 15 days for all items attached to be removed.

Thank you,
Product: Bank account or service

I was perusing the Ally Bank website tonight to see if they were offering higher deposit account rates than what I'mean currently earning. In several locations you 're given the option of comparing their rate to other banks ' rates. Every time I elected to see " other banks ' '' rates, it listed only XXXX - the bank I currently use! I had n't provided them with that information. They clearly did n't feel they had to hide the fact that they had obtained my private financial information. I feel violated and outraged.
Product: Credit card or prepaid card

Received a letter on XX/XX/23 from US Bank dated XX/XX/23 ; application for XXXX XXXX XXXX XXXX XXXX XXXX denied ; I never applied for such an account. Called the bank, bounced around to 4 or 5 different people ; they said nothing they can do since it was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

* THIS IS NOT A DUPLICATE COMPLAINT * My initial complaint was closed on XX/XX/XXXXwithout Ocwen Loan Servicing taking all the needed action to have their credit item expunged from my credit file.

Initial Complaint Details Complaint number : XXXX   Date submitted to CFPB : XX/XX/XXXX Ocwen Loan Servicing did not address in their correspondence letter datedXX/XX/XXXX that they were going to update the first Delinquency Date to XX/XX/XXXX ( they are reporting XX/XX/XXXX ) with the credit bureaus : XXXX, XXXX, XXXX and XXXX. This credit item needs to be purged due to age of first delinquency. Ocwen only handled half of my first complaint, which was to report that I was 180 days past due on XX/XX/XXXX.

Further, Ocwen has already admitted, in writing which I attached, that they first acquired servicing rights on XX/XX/XXXX from XXXX XXXX XXXX  with a loan due for XX/XX/XXXX. This is an undisputed fact that they already substantiated.

Ocwen Loan Servicing, LLC also incorrectly reported they transferred my account to XXXX XXXX XXXX  onXX/XX/XXXX. My account was transferred on XX/XX/XXXX.

You may reach out to either XXXX XXXX ( XXXX  ) XXXX in the Ocwen Office of Ombudsman or XXXX XXXX   in the Ocwen Office of Ombudsman ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a formal complaint letter on XXXX XXXX,XX/XX/XXXX about removing inaccurate information from my credit report. It has been 30 days since I sent in the letter and I've yet to receive any update from them. Please let them know I take this matter seriously and I need an update on my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

Someone has access to my Social Security number and has opened up, fraudulent credit accounts, loans, insurance, policies, and car loan. Also, theres incorrect addresses on my credit file, places that Ive never been in my life. Ive submitted disputes of about this situation before and the credit bureaus claimed that they verified this information. Ive requested information on how they verify this information, and they could not provide that to me. I need this stuff removed off my credit report as soon as possible. Heres a list of fraudulent accounts. 

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

This is my second complaint in correspondence to Transunion 's response to my first complaint. Transunion advised me to send in documents from each creditor to have the unauthorized inquiries removed as they were fraudulent, the creditors sent them in and sent me copies as well. I too sent copies of what they sent me to them, I worked tirelessly to get these to them and they continue to say they do n't have record of them. I have attached one of many documents from one of the several creditors to prove that I have sent in the documents via fax/mail and so have the creditors. I have called numerous times and they continue to tell me the information has not been received and therefore can not delete the unauthorized inquires from XX/XX/2017. There is lack of organization and filing with this company and they refuse to take anything electronically.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not been allowing me to get a report directly from Equifax any time I go online. I have called their customer service, I have even send in all the verification information such as DL, paystub, SS #, utility bill in my name and address etc. 

Equifax has the verification process set up to only provide questions that are totally unrelated to the person trying to get access. I have been dealing with this issue for over a year. 

Additionally, they show through 3rd party credit review sources that my credit score is over XXXX yet they told a creditor requesting a line a credit that my score was XXXX, while another creditor they gave a score of XXXX. 

I have to assume that this fraud is purposeful by Equifax. There is no excuse for never being able to get the free annual report through the website. I have upload verification as well as the letter and proof of identity I sent in XXXX 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXXXXXX Balance : {$360.00}.
Product: Debt collection

I keep getting calls from CBE group ( their number ( XXXX ) XXXX, a number from XXXX, Wisconsin, as what is on the caller ID. I spoke with one of the agents and they said i owed some money. I was unaware of any debts that i owe to whomever they are claiming i didn't owe it to, so i asked them where the debt came from, and they did not know, but they did however begin to phish or ask for my personal personal information. Were i worked, where i live, my phone number and email, social security number. 

It felt suspicious and I so demanded they take me off the Call list. They did not. I blocked their number, but they used a different line. They won't stop calling. I picked up this evening and the same thing happened. They began phishing for personal information. I then demanded they provided a physical address so I could go in to speak with them. They did not provide it. I believe they are attempting to steal my private information. 

The calls are disrupting my work and evening life. I am becoming frustrated and angry for these scammers trying to steal my personal information.
Product: Credit reporting or other personal consumer reports

These two accounts appear on my XXXX Report and they do not belong to me. 

XXXX Bank of America - XXXX account opened XX/XX/23 current balance {$2000.00} - XXXX XXXX XXXX XXXX XXXXXXXX account opened XX/XX/XXXX XXXX balance {$2400.00} there are also two addresses on the report that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Checking or savings account

XX/XX/XXXX. Received text from Citibank alerting me of fraudulent activity on my checking account. I logged in and saw unauthorized funds were being transferred out of savings and checking accounts. Within 20 minutes my cell phone stopped working. It had been " taken over '' and my number was being used with a different SIM card ( according to XXXX XXXX ) I went to the bank immediately and sat with an associate as he initiated a fraud claim. 
Funds from checking, savings, debit card, " Simplicity '' card and line of credit were accessed by wire transfers. Approx {$42000.00} in total The complaint is this : At NO TIME has the wire fraud department contacted me. 
Trying to contact Citibank regarding this matter has been tortuous. ( Hours spent on hold while being transferred to wrong departments in call centers. ) The bank manager at my local bank has been helpful and used the internal system. Yesterday XX/XX/17, she kindly emailed an update as follows. " The fraud dept. is still waiting to hear from the recipients of the wire ''. 
I was speechless but found words to express my disgust! 
She patiently sent another phone # for the wire fraud dept.for me to try. 
I was able to speak ( XX/XX/17 ) to an " escalator '' and asked if I could speak to who ever was doing the " investigation ''. It was explained that she could only make a request for them to call me ...... 
This is the short version. There has been an incredulous lack of communication, help and action on the part of the bank. It is a broken system and I'm in despair every day. 
I am XXXX with a very small income. This has cleaned out all liquid funds.
Product: Payday loan, title loan, personal loan, or advance loan

My husband took out a title loan in his name and an employee from title max in XXXX ga called my sister in law and told her she was having me arrested for theft by deception for 1 that's not my loan for 2 they know where the truck is they haven't even tried to go get it. We can not get the truck we told them when we got the loan that a friend was gon na be paying the loan so when finished he could own the truck. They have his address and name. When he didn't pay I paid them XXXX dollars for 2 months it's due again now and I don't have the money to pay I can't take pocession of the truck to try and sell it to pay them off so she disclosed personal info about me and spread lies about me being a thief. I am contacting an attorney and I will be pursuing legal actions against them for her actions. But I wanted it formally noted here as well. Her name I believe is XXXX XXXX phone number is XXXX. That's the number that contacted my sister in law and threatened to have me arrested. She works at title max in XXXX ga.
Product: Debt collection

I have asked for validation of this alleged debt many times. This was attached to my credit report in 2017. I have disputed this matter many times and have not gotten a response. I now see the status of this alleged debt is : " Dispute resolved by grantor. '' I never got any response in the mail regarding this issue.
Product: Credit reporting

They will not remove the BK even though it is n't mine and I 've provided information that proves this fact. I also provided the information directly to them from the clerk of court that the court system does not use a full social security number to identify cases. This information is incorrect and by law should be removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unable to link PNC Bank to XXXX XXXX. PNC is not allowing connect account to transfer domestic funds between banks
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX never gave the credit bureaus any verbal or written consent to report the following items on my consumer report. Reporting information without the written instructions of the consumer to whom it relates is Identity Theft.You also do not have any permissible purpose to furnish my personal information to any third party. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$47000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1700.00} - XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Unauthorized card use, had PIN written on card, claims were denied due to me not maintaining the private PIN number, was further denied even after explaining that consumer negligence does not increase liability,
Product: Credit card or prepaid card

Capital one has a hard pull on my credit score i never approved i closed out a capital one card i had 6 months ago i never applied for another car Please remove
Product: Money transfer, virtual currency, or money service

Cash app closed my account with my money their and I never received the check they also sent back my irs payment
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX XX/XX/XXXX RE : Navient Account Dispute To Whom It May Concern : My name is XXXX XXXX and I had a private student with Navient. It originated in XX/XX/XXXX and became default on XX/XX/XXXX. XX/XX/XXXX, I became disabled due to XXXX XXXX XXXX. When I learned about my disability I immediately informed Navient. They did not offer any resolution, so my account continued to accrue additional fees. It was charged off on XX/XX/XXXX and sent to XXXX XXXX XXXX  in Illinois. 

I called both Navient and XXXX XXXX XXXX today and was immediately given the run around. I called Navient to see if the statute of limitation had expired on my loan and was immediately put on hold. When they returned they immediately referred me to XXXX XXXX XXXX and the credit bureaus. 

Below are the detailed summary of each interaction with each Navient and XXXX XXXX XXXX customer service representatives that occurred today. 

Called XXXX XXXX XXXX and spoke to XXXX at XXXX XXXX and he refused to give me the status of the statute of limitation on my loan and referred me back to Navient to get that information. 

Called Navient and spoke with XXXX at XXXX XXXX and she refused to give me the status of the statute of limitations on my loan and said that the credit bureaus would be the ones who could remove it from my credit report and provide the status of my statute of limitation on my loan. 

Called Navient at XXXX and the rep referred me to the credit bear urea and refused to give me the status of the statute of limitation on my loan Called Navient and spoke to XXXX at XXXX who refused to give me the information that I was asking for, after pressuring he said the statute of limitation on this account was not active, but it will be as of XX/XX/XXXX. It was charged off on XX/XX/XXXX and its 7 years after that delinquent date. So, I decided to call back to verify that information and was told the following below. 

Called Navient and spoke with XXXX at XXXX XXXX who referred me back to the credit bureaus and refused to give me the status of the statute of limitation on my loan. 

Called Navient and spoke with XXXX at XXXX XXXX and was told that the account is not a-part of the statute of limitations because its in Missouri. I pushed further and was put on a long hold. She came back and asked me if I have spoken to the state of Missouri. I told her I have and questioned why was she inquiring about that, rather than providing the information that I requested. 

Navient and their treacherous acts and policies are causing borrowers like myself a whole world of credit problems. My loan should be removed from my credit report since the statute of limitation has passed. This account is over 10 years old and they are still reporting on my credit report that I am late. As I told Navient and the collection agency that has the loan now. I am currently getting social security because of my disability. Can you lease assist me with get the true status of the statute of limitations for my loan. The XXXX XXXX XXXX account number is XXXX. 

Thank, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy from my credit report and noticed i had a fraudulent accounts on my credit report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting

Invalid credit inquiry or failure to provide decision letter based on accessed credit file XXXX was unable to access my Credit report to due a credit freeze. However, there are XXXX inquiries on my report from XXXX. I called XXXX several times concerning this. most recent today where i spoke with XXXX and her manager bill. If they were able to access my report, why did n't i get a decision letter based on the information in the credit report. they told me to check with the credit agency which i did and they told me to contact XXXX. i explained that i received a letter stating they were n't able to access my report but the inquiries show they were able to. I have went back and forth between the credit bureaus and XXXX. The inquiry should be removed based off the response from XXXX. they were unable to access my credit report so no inquiry should have been made. XXXX case number is XXXX
Product: Credit reporting or other personal consumer reports

While conducting my background check, XXXX vendor Checkr discovered the below case ( s ). In order for XXXX to evaluate my eligibility to provide services to XXXX customers on behalf them as my employer, they were reaching out to request additional information from me. Please note, XXXX follows all applicable federal, state, and local laws when reviewing background check reports. 

However, Checkr did not provide the accurate information to them as my employer and did not due any due diligence in providing my employer with the correct information nor did they confirm the social security number of the data file regarding a alleged XXXX  case. 

I have no XXXX  convictions on my record. I have a clean record.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protested consumer rights to privacy and confidentiality under 15 usc 1681. 
account name XXXX XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX Account name XXXXXXXX XXXX XXXX account # XXXX Account name XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights 15 U.S.C 1681c. Section 602 A. I Have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also States a consumer reporting Agncy can not furnish a account without my written instructions 15 U.S.C 1681c Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other then records of conversation of crime which antedate the report by more than seven years 15U.S.C 1681s-2 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.