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

I appreciate you making the effort to remove and repair some of the data on my credit report, but there are still some items that need to be corrected. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Trying to purchase a home, XXXX and XXXX creedit score in in the XXXX range. However, Equifax rating is in the XXXX range. I tried to reach Equifax and felt uncomfortable providing my Social Security over the phone. I reviewed the CFPB article on building and keeping good credit and I do not see anything in Equifax cedit report that would explain the low score. This is my basic complaint. Will you help please.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against SYNCHRONY BANK, for violating my cease and desist notice, continuing harassment, threats, defamation of character, and continuing to collect an alleged debt under false statement or representation. 

SYNCHRONY BANK stated in their letter ( Exhibit A ) dated XX/XX/2022, You did so by signing the application, whether written, verbally, or electronically, and agreeing that you understood the terms and conditions of the account. SYNCHRONY BANK violates the protection of my nonpublic personal information under the XXXX XXXX. SYNCHRONY BANK never disclosed that I have a right to opt out of my nonpublic personal information before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and given an explanation of how I can exercise that nondisclosure option. 

According to the consumer credit protection ( 15 USC 1693l ) waiver of rights, No writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by this subchapter. Nothing in this section prohibits, however, any writing or other agreement which grants to a consumer a more extensive right or remedy or greater protection than contained in this subchapter or a waiver given in settlement of a dispute or action. 

I never gave SYNCHRONY BANK consent to disclose my nonpublic personal information which constitutes Aggravated identity theft ( 18 USC 1028A ) by false pretenses. 

SYNCHRONY BANK stated in their letter ( Exhibit A ), We have received and will honor your request to cease collection efforts on this account. SYNCHRONY BANK continues to dishonor by continuing to communicate and collect on the account. I received mail letters dated XX/XX/2022 ( Exhibit B ), XX/XX/2022 ( Exhibit C ), XX/XX/2022 ( Exhibit D ), XX/XX/2022 ( Exhibit XXXX ), and XXXX emails ( Exhibit F ) dated from XX/XX/2022 thru XX/XX/2022. SYNCHRONY BANK continues to report negative information on my consumer report and violates the Fair Credit Reporting Act. 

SYNCHRONY BANK has not only violated my right to privacy but also violated multiple Federal Laws. 

I hereby demand SYNCHRONY BANK honor my cease and desist letter, stop further collection on the account ending in XXXX, and remove any negative information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres been many letters sent out every month for the entire year including last year it was regarding name and credit error, I have every certified tracking information to prove that even if decided to now sue for creation of damages since am unable to purchase a place to live during this pandemic which nobody seems to give a XXXX ( yes, now i'm being transparent, tired of the XXXX  ) cause the one am disputing with not going through what am experiencing with my credit report, then you'd understand. 

ADDRESSED : EQUIFAX been asked several times to remove the current name being reported which is not my name, EVEN sent in my social security card all year around. Lets be XXXX clear I'm a USA CITIZEN NOT A XXXX RESIDENT , lets get this XXXX together. USE THE SOCIAL SECURITY CARD PROVIDED TO CORRECT the INFO and HAVE THIS TRANSFERRED TO THE SENIOR MANAGER if no one knows how to do the job correctly and IMMEDIATELY TO BETTER MY LIVING SITUATION. Speed up the investigation process under 15 days, waited long enough to have the XXXX  corrected. 

ADDRESSED : XXXX  I've also asked you to remove the incorrect addresses, employment, inaccurate XXXX XXXX XXXX account OFF MY CREDIT REPORT all year around also just like XXXX  did delete the inaccurate information listed as stated, make sure this is a speeded process under 15 days ADDRESSED : XXXX once again for the 11th time, correct the late payments on the XXXX XXXX  XXXX, ASAP I've never been late on neither one of my accounts even during the pandemic fix these errors now
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : JPMCB Card, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$370.00}, XXXX XXXX  {$230.00} XXXX XXXX XXXX {$2400.00}, XXXX XXXX XXXX {$11000.00} and XXXX XXXX XXXX  {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS XXXX XXXX ACCOUNT IS FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 
I NEVER APPLY OR OPEN THIS ACCOUNT AND THE CREDITOR AGREED TO DELETE THIS ACCOUNT.
Product: Mortgage

Describe what happened so we can understand the issue ... 
I XXXX XXXX have been fighting with my mortgage company CCO Mortgage loan # XXXX help me with a loan modification for over a year. CCO Mortgage has kept asking over and over again for the same documents that I have kept faxing them. The last request from them to complete a file was a quick claim deed that I had to struggle to get from my ex husband that I had to hire an attorney to help me get that last requirement. I was finally able to get a quick claim deed which I faxed over on XXXX XXXX 2015. I called back a week later and CCO Mortgage like always claim they have never received it so I refaxed it XXXX more times on XXXX XXXX 2015 and XXXX XXXX 2015 and XXXX XXXX 2015. CCO Mortgage Finally said that they have received the package and Per XXXX @ CCO Mortgage said the file was complete and going into underwriting to see what options are available to help me keep the home I love and adore. I called today to get an update and they advised me that the file was kicked out of review because of some 37 day rule I have never heard of. I did everything they asked have sent every possible form to them you can imagine and this is the treatment that I receive from CCO Mortgage its completely unfair and I deserve the right to keep my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for the XXXX XXXX and XXXX for XXXX $ .this matter was resolved in court with no know of this amount .this is being reported wrong.can this be removed of my credit.can you remove from my XXXX, XXXX, and XXXX reports
Product: Payday loan, title loan, or personal loan

This is a fraud loan application process online, without any document verification. The fraud application of personal is banker, not random people on the street. ( Applicant is a banker, maybe he knows WF bankers ... ) Please see the attached letters from the mail. This is the first time I get this letter. Please see page 5 signed by my e name and time zone is CDT. which is a fraud, I am living in XXXX, SC, EST. I am a student employee at the XXXX  XXXX XXXX XXXX. Please check page 6 my employer is XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX pays me {$2400.00} /month. NOT $ XXXX/month. How WF verify my income and asset? 

Please see the attached pdf. The second page, two loan applications in XXXX, was not me! I don't know who did that face to face in the branch. And WF never said face to face before. 

I applied for a loan with my signature, Only in XXXX, it's being denied, true, then I borrowed family money. It's still the scam.
Product: Credit card or prepaid card

I sent a written Dispute to Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX by Certified mail on XX/XX/2021 regarding my Lowes Credit Card. 
I have not received a response after 60 days as agreed in my credit card contract.
Product: Credit card

I booked a 3-day hotel room on Chase Travel through my Chase Sapphire credit card. ( Trip XXXX : XXXX ). I booked a one-king-bed room, but when I arrived at the hotel the front desk informed me that my reservation was for a 2-queen-bed room. So I called Chas

e Travel Support right away to confirm what happened, the customer representative told me that on Chase 's end I did book a one-king-bed room but on the hotel 's end it was a 2-queen-bed room, and it was clearly a technical issue from Chase Travel.

The Chase representative told me they needed to do some investigation on the back end. One month passed, and they called me telling me that it was a technical issue from Chase Travel and would like to offer me XXXX points ( XXXX $ ) as compensation. I declined the offer as I didn't get what I booked, so I requested a full refund because Chase was at fault. After I proposed my request, they immediately turned me down and also took away the original XXXX points offer, claiming they would close my case and complain as it is.\ I was shocked at how Chase treats their customer and how Chase doesn't address the wrong-doing caused by their technical issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting inaccurate information on LVNV FUNDING LLC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card

Company isnt resolving my dispute and I spoke to the dispute dept and she was rude and didnt issue me a credit for a XXXX transaction that I received a statement for XXXX and I had a credit balance earlier and the next day it shows that I owe XXXX the next day which is weird I dont know the full account number ends with XXXX the transaction in question is XXXX XXXX on XX/XX/2023 and I need to have this charge credited on my close account asap so I can move on with my life. 

I never use this one main credit card and I closed it few times due to low credit limit and high annual fee
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company has stated that my account for XXXX XXXX XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. According to FCRA 609A 1. Where is the proof? 2. Why is this account being updated?
Product: Debt collection

XXXX XXXX XXXX, XXXX, sent us a letter dated the XX/XX/XXXX which we received on the XX/XX/XXXX. 
I called them immediately and ask XXXX and ask her what this notice was on. She said that there are two loans that they are trying to collect on. They are both on vehicles. One a XXXX XXXX XXXX, which has XXXX owed and that the last payment was made in XX/XX/XXXX and the other was on a XXXX XXXX XXXX. Which they said the amount due is {$5200.00} and the last payment was made in XX/XX/XXXX also. 
We paid off both of these loans and the amounts they are saying that is due is the original loan amount or more. 
When I told XXXX that I was disputing these accounts, she transferred me to, XXXX, who is operation manager in disputes. I told him that this is fraud and I was disputing these accounts as we paid them off a long time ago. I ask him if this conversation was being recorded and he said yes, I said that is good because I don't owe anything on these accounts. He gave me the email address to dispute them and the mailing address. When I mentioned to XXXX that this is fraud, he said not on XXXX XXXX XXXX, XXXX but maybe on Wells Fargo. 
I checked with my county clerk and received the paperwork where these accounts were paid off. The date was XX/XX/XXXX. These loans were through my local bank and then Wells Fargo bought the bank and took it over on theXX/XX/XXXX. I had moved my accounts from Wells Fargo before this date. 
When I spoke with XXXX at my states office over banking regulations, She said that they have had Wells Fargo do this in another county in our state.
Product: Debt collection

I just got a letter from Radius Global Solutions LLC. They are stating that I owe an amount of {$760.00} from a XXXX XXXX XXXX. The truth is I never had credit from XXXX XXXX. I am tire of these people reaping off. I pay all my debts and I am a very responsible human being. Please help me stop these. They state in the letter that if I don't answer within 30 days they will assume the debt is mine. Wow so they are not even sure and start writing all who they can to rob some money. I hope you can help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XX/XX/2017 a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$160.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will continue to dispute my credit report for errors until corrected. I will not respond to any letters sent, only response will be conducted through CFPB site only. 
Furthermore, I have not seen any corrections or been provided with the requested information to validate alleged obligation. I have filed complaints with FBI and other regulating authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX located in XXXX, XXXX. Saturday XX/XX/XXXX between XXXX-XXXX XXXX and I gave XXXX permission to access my credit report and try to obtain financing. I did not give permission to : ALLY FINANCIAL XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX
Product: Debt collection

All credit bureaus aren't resolving the issues stated in contracted letters sent via to all XXXX bureaus. Multiple unauthorized accounts keep piling up in credit reports. Decreasing Fico score as well as my credit profile. Identity theft problems have with my identity since the freeze of account. XXXX XXXX XXXX XXXX XXXX If it's not directly to XXXX  anything else authorized is unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

For ( XXXX XXXX XXXX XXXX  XXXX I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. The content mentioned above has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a fraud alert on my credit file that I have placed. They will not remove it and keep asking for my dL and ss info and address that I have sent copies 3 times now! 
They send back the same letter requesting the same info. Im done dealing with these XXXX I want the fraud alert removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help assist me, I have already tried addressing and requesting verification and validation and I do not even get a response back from the creditor nor the credit agencies. There are very old student loans back from 2014 in which were paid off and reporting inaccurately. I was never past due and just this year saw how they are reporting on my credit file. The information is inaccurate and false. 

There are six accounts total reporting and they all are listed DEPT OF EDU / XXXX XXXX I never had six loans total there are also duplications. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance Owed : {$1000.00} Medical XXXX Balance Owed : {$750.00} Medical XXXX Balance Owed : {$680.00} Medical XXXX Balance Owed : {$680.00} Medical XXXX Balance Owed : {$680.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Prepaid card

I was paid on XXXX XXXX, 2015 {$1700.00} and have not been able to have access to my money. Rush Card keeps telling people that they are going through a system update, but it is going to be a month. This was my only source of income to be able to pay my bills, feed my XXXX year old and XXXX month old. I struggle day to day trying to make ends meet. I call them everyday and all I get is the same XXXX response. I just want my money that I worked so hard for back.please help me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Why was I given a card in the mail after closing my account five years ago and why dose it say charges from New York when Ive never been there in my life Im not paying anything if thats what you want
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting

I disputed the referenced accounts above on  XXXX / XXXX /  XXXX  . The credit alert received on  XXXX / XXXX /  XXXX   showed the item was removed from my credit file between the date of  XXXX   XXXX  -  XXXX   XXXX . On  XXXX / XXXX /  XXXX  , I received a credit alert from  XXXX  showing the item was re-inserted. As of  XXXX / XXXX /  XXXX  , TransUnion is reporting the item as reinserted on my credit report on credit file.   Also still as of today, TransUnion will not release my credit reports. In the past, I was required to purchase the TransUnion Monitoring to view my score but prevent online, over the phone and/or by mail to receive any hard copy of my credit report.   Therefore, I need your assistance in having TransUnion remove the negative item due to violation of the FCRA as well as start allowing me to retrieve my credit reports.
Product: Student loan

Sallie Mae falsely advertises cosigner release as an option when promoting student loans. 

I cosigned several loans for my son. He graduated from college in XX/XX/2016 and began making payments to Sallie Mae, according to established repayment guidelines. He has paid off 4 loans and has two remaining, estimated amount of $ XXXX. My son has made every payment on time and in excess of amounts due most months ( that is how he has been able to pay off 4 loans ). My son is gainfully employed and carries a low debt load. He has demonstrated the ability to repay his student loans, without assistance from me or anyone else. 

We have submitted three requests for cosigner release and all have been denied. Sallie Mae promoted cosigner release as a differentiator between student loan providers but does not actually release any cosigners - false advertising. This practice is still ongoing and is wrong. 

Please request data from Sallie Mae for number and percentage of approved cosigner releases for the past 5 and 10 year periods. I am confident you will see a pattern of denying cosigner release request, even when borrowers have demonstrated the ability to repay and have repaid a significant amount of their loans.