23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a current loan application for a brand new construction home with XXXX XXXX. Lender is First Equity Home Mortgage. It has been in process since XXXX of this year and closing should be XX/XX/2018. I was supposed to receive XXXX at closing for using this lender because I receive closing costs for having a XXXX loan. He has received my paystubs for the past 5 months and has my offer letter when I started my new job In XXXX. Yesterday he called me to say I was not going to get the XXXX  loan or the XXXX at closing because I worked some overtime and went over the income limit. I told him why he didnt say anything about the limit since he has been receiving my paystubs for 5 months. He said he didnt know I was hourly! He has my job offer letter! He didnt even look at my paystubs once before yesterday. He also said he was late to request the appraisal and and would not have closing docs ready for XX/XX/XXXX. I already had those XXXX compromised to pay back a loan of XXXX I did to pay an account. I have to pay it back after closing. I also have a large number of contractors scheduled to do extra painting, install blinds, deliver furniture, washer dryer that I cant cancel. This lender has not been accountable at all. I am renting and have to leave my apartment on the XXXX. He just said I can have an FHA loan but dont get my money and have higher interest. He screwed me so bad I dont know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/XXXX, I sent communication to XXXX to freeze my account. On XX/XX/2019, I sent to the credit reporting agencies : XXXX, Experian, and XXXX communication disputing a bankruptcy that is on my credit file. 

On or around XX/XX/2019, I received communication from the three credit reporting that they had verified the information with the credit bureaus. 

If XXXX had been frozen, and the bankruptcy court ( see attached ) states that they do not verify any information with the three credit bureaus, then how did they verify the information for accuracy?
Product: Checking or savings account

Someone used my email, first and last name, address ( minus the apartment number ), SSN, but a different telephone number and a different drivers license number to fraudulently open a Chase Private Client Checking account in my name. 

The scammer then immediately changed the email associated with the account to something else. 

Scammers Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

RS Clark located in XXXX, TX was attempting to collect a debt that I was not aware was owed to a specialty clinic. I requested to have more detailed information of proof of debt since my father has the same name as me and was wondering if it belonged to my father or myself. While evaluating the documentation they provided they did not allow enough time for me to verify the debt with the specialty clinic so I went ahead and paid twice, one payment was mailed through regular mail, RS Clark claimed they did not receive, the second attempt of payment was made electronically with that RS Clark agreed that they would not report any derogatory information to the credit bureaus. RS Clark still went ahead and filed a derogatory collection information with all three credit bureaus.
Product: Credit card

Dear Sir/Madam, I am writing to formally lodge a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a significant and unexplained reduction in my Amazon XXXX Card limit. I have been a loyal customer of Amazon XXXXSynchrony Bank for several years, consistently maintaining an excellent payment history and adhering to the terms of my credit card agreement. I have never missed a single payment, and my creditworthiness remains intact. However, I recently experienced a sudden and unexpected decrease in my credit limit without any clear explanation from the card issuer. 

I have always considered Amazon prime card as a reliable financial partner. My Amazon XXXX Card has been a valuable part of my financial toolkit, and I have used it responsibly to make purchases and manage my finances efficiently. Given my history of responsible credit usage, the sudden reduction in my credit limit has come as a shock and has disrupted my financial plans. 

The decrease in my credit limit has several negative implications : Increased credit utilization : This reduction in my available credit has caused my credit utilization ratio to increase, potentially negatively affecting my credit score.

Disrupted financial planning : I have relied on my Amazon XXXX Card for various financial needs, and this unexpected change has impacted my ability to manage my expenses and make essential purchases. 

Lack of clarity : The most concerning aspect of this situation is the complete lack of communication and transparency from Amazon prime Card. I have not received any notification or explanation regarding the reason for this reduction. 

I have made diligent efforts to reach out to Amazon to seek clarification on the matter and to request a reconsideration of my credit limit. Unfortunately, I have received no satisfactory response or resolution from their customer service representatives. 

I kindly request the CFPB 's assistance in addressing this issue. I believe that, as a regulatory authority, the CFPB is in a position to help ensure that consumers are treated fairly and that financial institutions adhere to established guidelines and principles. I am hopeful that CFPB 's intervention can lead to a just resolution of this matter, including a clear explanation for the reduction in my credit limit. 

Enclosed with this letter, you will find copies of my credit reports, correspondence with Amazon XXXX card, and any other relevant documentation that may aid in understanding the situation better. 

I would appreciate it if the CFPB could investigate this matter and take the necessary steps to ensure that Amazon XXXX card provides a satisfactory response and, if warranted, reinstates my previous credit limit. My excellent payment history and responsible credit usage should not be unfairly penalized, and I believe that transparency and accountability are crucial in this situation. 

Please do not hesitate to contact me if you require any additional information or clarification regarding this complaint. 

Thank you for your attention to this matter. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXXur business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge differenceXXXX XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$0.00}, XXXX XXXX Balance {$15000.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX Balance {$2100.00}, XXXX XXXX Balance {$7000.00}, XXXX XXXX XXXX XXXX Balance {$2600.00}.
Product: Debt collection

CCOC is not providing me the original bill and is asking me to back to my insurance which I no longer have. 

They have purchased this debt form XXXX, but are not able to provide me the details. 

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

[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX, Ny, XXXX XXXX ] [ Transunion ] [ XXXX XXXX XXXX [ PA, XXXX, XXXX Re : Inaccurate Hard Inquiry on My Credit Report I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from Transunion dated XX/XX/scrub>XXXX I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate accounts on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The Experian and XXXX credit bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrected : XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX Balance : {$6300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information that as a result has not been updated as it needs to be and is affecting my Equifax and XXXX Credit Reports as it pertains to the following information and fraudulently accounts : 1. XXXX XXXX XXXX {$22000.00} 2. XXXX XXXX XXXX XXXX ( XXXX ) {$5000.00} 3. XXXX XXXX XXXX XXXX ( XXXX   ) {$86.00} 4. XXXX XXXX XXXX XXXX ( XXXX ) {$1500.00} 5. XXXX XXXX XXXX XXXX {$5000.00} 6. XXXX XXXX XXXX XXXX {$5.00}, XXXX 7. XXXX XXXX XXXX {$2600.00} 8. XXXX XXXX XXXX, XXXX {$730.00} 9. XXXX XXXX {$3200.00} 10. XXXX XXXX {$1500.00} 11. XXXX XXXX {$1300.00} 12. XXXX XXXX {$330.00} I have letters for majority of the items listed that state this were not my accounts and that they were opened fraudulently in my name without my consent and knowledge in which to do so.
Product: Bank account or service

With the change to the chip readers, customers who have chips in their debit cards are n't allowed to use a pin in our chip reader pin pads. In trying to determine why this is, I have learned a few things ... 
I called my bank to ask that I be allowed to opt to use the PIN when making debit card purchases, and the representative with whom I spoke referred to her guidebook and said that it is the terminal that determines how the card is processed. Our processor, XXXX XXXX, says that it is the card that determines this. I believe the latter is the case from what I have experienced firsthand. 
My XXXX, when I activated it, asked that I set a PIN. When I tried using it in the terminal at work, IT PROMPTED ME TO INPUT MY PIN. When I called XXXX XXXX yesterday, I was told that they have not issued Chip and PIN cards in the US, only Chip and Sign cards. When I said that I 'd rather have a PIN to avoid fraud in the first place and make my card truly secure, I was told that Fraud is covered 100 % and not to worry ... How stupid is that? 
My work XXXX cards have chips and I called to ask to set a PIN with both of them. The woman with whom I spoke was happy to help and it took a minute to set the PIN. Trouble is, the cards Chip and Sign cards and the PIN will only work in ATMs, which is n't what my goal was. 
In the meantime, XXXX and XXXX are earning extra fees for running the cards on their networks rather than on the debit networks. The debit companies are losing out, but more importantly, the merchants are suffering most in having to pay higher fees for the transactions. 
So much for the Dodd Frank Wall Street Reforms pertaining to debit cards. 
I plan to call the issuers and demand Chip and Pin cards, but XXXX XXXX did n't seem too interested in my request yesterday. Can you help?
Product: Credit reporting

My personal information was leaked or stolen in late XXXX and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.
Product: Credit reporting or other personal consumer reports

I did not make any of these inquiries. Ive been on XXXX for 10 years, so I know I can not receive credit without a job.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year> Online Collections XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear Online Collections, I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action.

Please provide the following documentation to validate this debt : 1. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency.

2. Original Creditor Information The name and contact details of the original creditor, including account details.

3. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges. 
4. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor.

5. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay.

6. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection.

If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 
Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. Online Collections account number- XXXX. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I paid a debt listed on my account in full, upon it not being removed I have submitted disputes to XXXX and Transunion with my proof of payment on two separate occasions now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my students loans with Navient were to be due after my graduating in XXXX. By XX/XX/XXXX, I had submitted all of my paperwork to request a deference due to financial hardship. On XX/XX/XXXX, I had not only responded back to a direct Navient employee, XXXX XXXX, via email relaying this information but I had also called the company at approximately XXXX CST to tell them that I had submitted the required paperwork. The paperwork had been submitted twice via fax and once uploaded through their website. Navient did not process my paperwork until after the XXXX due date and marked me as having late payments on the four loans I have serviced through them. The deferment was ultimately granted but instead of making it effective from the XX/XX/XXXX due date, they adjusted the end date. ( This was confirmed by a Navient employee via phone on XX/XX/XXXX. ) I have called and spoke to them regarding this error on their part. I have emailed them the documentation showing that I had contacted their company over a month prior to the due date but they are stating that they are correct in reporting. I do not see how I am responsible for their delinquency in processing my paperwork when I had submitted everything in a timely manner.