23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called a little over a year ago to release my cosigner. I met all the requirements needed but was still denied. I called again on Monday, XX/XX/XXXX to request a forbearance. It's been the only option they have offered me. I have used all of my forbearance allowances at the time. I make {$17000.00} a year and my payments are now $ XXXX/month. They refuse to lower my payments based on income or release my cosigner. I've made payments on time for years and they still refuse to work with me in anyway. The majority of my payment is going towards interests, with barely anything going towards the principal amount owed. They're putting me into poverty and not batting an eye.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions from myself
Product: Student loan

I have two private loans through Navient. One started repayment on XX/XX/year> interest rate is very high. The original principle balance was {$2000.00}. I have paid almost 20 years on this loan but the balance is now XXXX. How does that even happen with making payments that long? This business is a scam and money hungry. My other loan has been in repayment for the same amount of time and original balance was {$3700.00} but now it's {$10000.00}. What a joke. My payment is over XXXX a month with both loans. The XXXX I went to was XXXX online and it's been proven to be a scam school and federal loans are being discharged for that XXXX. Sometimes needs to get done about this.
Product: Debt collection

XXXX XXXX sunrise credit services i did speak to someone about this being on my credit report i let them know i have no knowledge of this accounts and i also asked for a wet seal letter and was denied, and they also try to get me to pay them to dispute other items off of my credit report
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint : Equifax Non-Compliance with Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint regarding Equifaxs failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of XXXX XXXX I have exercised my rights under this law to request the blocking of adverse information on my Equifax credit file. Despite my repeated attempts and submission of all required documentation, Equifax has failed to honor my request. 

I have provided Equifax with the following : A self-attestation letter signed by myself and an authorized XXXX from an authorized agency. 
A victim determination letter co-signed by myself and the authorized agency. 

These documents have been submitted XXXX to XXXX times. While XXXX has accepted the same documentation and blocked the adverse information in compliance with XXXX XXXX, Equifax has not done so, causing inconsistencies across my credit reports. 

Equifax has repeatedly sent me the same form letters in response to my submissions, offering no meaningful human review or clarification of their denial. Additionally, Equifax has claimed that the victim determination letter I provided does not qualify under their standards, but they have not specified why. Furthermore, they have claimed that Ohio Job and Family Services is not a recognized or acceptable agency for signing my self-attestation letter, yet they have failed to provide a list of agencies they deem acceptable. 

I am therefore requesting the CFPB to : XXXX. Investigate the methods and tools Equifax uses to deny requests to block adverse information and require that my submissions receive a full human review. 
XXXX. Request a sample of an acceptable victim determination letter under XXXX standards so that I can ensure compliance with their specific requirements. 
XXXX. Require Equifax to provide a list of agencies in Ohio that they recognize as authorized to sign off on self-attestation letters, given their rejection of Ohio Job and Family Services. 

As a XXXX survivor, I have followed all required steps and provided all documentation mandated by Section 605C. Equifaxs continued failure to honor my request not only violates my rights but also prolongs the harm caused by adverse information that should be removed from my credit file. I respectfully ask the CFPB to act on my behalf to ensure Equifaxs compliance with the FCRA. Also In violation, Equifax claim my dispute to block adverse information on my credit report was denied because I didnt respond to their Second attempt to provide documentation even though Ive tried 3-4 times with the CFPB Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Over the XXXX XXXX  XXXX weekend ( XX/XX/XXXX, XX/XX/XXXX ), there were 5 fraudulent transaction at various XXXX XXXX in Georgia in the amounts of {$450.00}, XXXX, XXXX, XXXX, XXXX. I was contacted in the morning on Monday XX/XX/XXXX by XXXX  XXXX  by phone informing me they believed I was a victim of fraud. I confirmed their suspensions that I was not in Georgia nor did I make any of those transactions. They immediately cancelled my XXXX Saving Account Debit and reissued a new card. I then submitted the requested transaction disputes forms by email on XX/XX/XXXX. I received confirmation of the receipt of the forms on XX/XX/XXXX and my claims were being processed. Four weeks later, my funds have not be returned to me nor have the fraudulent charges been removed from my transaction history. When I contact XXXX  XXXX  customer service, they are unable to provide me with any status updates. At this point, the fraudulent charges remain on my transaction history which will be reported incorrectly to the IRS as I didn't receive any services or goods from those transactions. I am unable to get anyone at XXXX  XXXX  to help revolve this issue but rather get a runaround that it is out of their hands because the card is issued by a 3rd party vendor. 
I do not do business with XXXX  XXXX XXXX vendor nor should XXXX  XXXX   customers be obligated to work directly with any 3rd party vendor of the bank. I request CFPB 's assistance in getting this issue resolved before XX/XX/XXXX year end primarily because of the IRS tax implication.
Product: Mortgage

My loan was originally through XXXX and I recently went through a REFI via XXXX XXXX XXXX. PHH became the new servicer effective XX/XX/2020 which I was only notified 7 business days prior to effective date and 1st payment due date of XX/XX/2020. 

On XX/XX/2020 I attempted to make my 1st payment to PHH mortgage both via online and then over the phone and neither option was available to me as my account was not fully setup. I was then instructed by the representative to call back at a later date to process and I had until the XXXX of XXXX as part of the grace period to do so. 

I then spent over 2hrs on a call trying to obtain resolution with no luck. 

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

XX/XX/XXXX hiker break my computer and transferring XXXX $ money from my checking account that is citybank and account # XXXX i call to bank an report about a fraud. Bank transferring money without any my identity. If you call to bank to be able start to talk they ask you security questions after that they sent security pin to your mobil phone but international transferring money without any security.After 3 months investigation they close my case and deny my report.I lost money and bank don't want to be responsible at all. That is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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

Dear XXXX I am writing to dispute the following information that appears on my XXXX  consumer report : On XX/XX/XXXX a collection for {$110.00}, owed to Credence Resource Management, was added to my XXXX credit report. On XX/XX/XXXX I requested varification, from Credence Resource Management , LLC, proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by Credence Resource Management on XX/XX/XXXX. On XX/XX/XXXX I received a copy of a XXXX bill from Credence Resource Management dated XX/XX/XXXX in the amount of {$92.00} not the reported {$110.00}. As per the Federal Trade Commission opinion letter from XXXX XXXX XXXX XXXX, " a printout ( or copy ) of a bill or itemized document does not constitute verification ''. 

On XX/XX/XXXX, I opened a despute challenging the validity of the collection reported by XXXX and requested the method of account verification. On XX/XX/XXXX I received a letter from XXXX which outlined their investigation methods. TransUnion then marked the account as verified, never stating their method of verification this account. 

Credence Resource Management has failed to produce any competent evidence showing a contractual agreement bearing my signature, was made either between myself and Credence Resource Management LLC, or myself and XXXX, therefore the collection information reported by you is false and I demand that this negative and incorrect information be removed from my credit report immediately.
Product: Credit card or prepaid card

On or about XXXX XXXX, on a flight from XXXX to XXXX, I used the Chase Southwest Rapid Rewards Priority Card to obtain an upgraded boarding position as I am entitled to four per calendar year. Due to the Chase " system '' two of the four were improperly used by the Chase system violating the term of agreement wherein I am entitled to receive 4 upgrades. Due to an error in the Southwest system, the wrong leg of my flight was upgraded and I immediately notified Southwest. They apologized and said that it was an error but that they could not do anything about it. I notified Chase that the charge was invalid as Southwest admitted that it was their mistake. Chase put the amount in dispute. I noticed, within a few days, Chase posted a credit to my account and I believed that was for the dispute. In reality, that was the system using up one of my four credits per year. After Southwest read my e-mail, they agreed that it was completely their fault and they issued a credit refunding me for my purchase. Chase, seeing that the amount I had disputed was credited to my account, went ahead and rebilled the original charge and the system then credited me for the rebilling of the original charge, using the second of my four free upgrades all because the Chase system messed up - twice. On my XX/XX/2022 billing statement, I ended up paying for the rebilled credit despite the fact that the net sum should have been zero dollars- and NONE of my upgrades being used. I asked Chase why I was charged for an amount that the biller refunded and Chase said it was because Chase and Southwest both paid me and that I they were charging me for the extra amount they credited me due to the dispute. I disagreed, but the card was on autopay and Chase refused to put the overcharge from them in dispute despite my not owing them since they rebilled me. However, they also used two of my four upgrade credits as well which means I basically paid three times for an upgrade I did not use. I only found out about this when I saw that after ACTUALLY using two of my four upgrades, Chase stated I only had one left and the second one was actually my fifth. Over the last month, I have been going back and forth with Chase asking them to audit their system and see that they actually have improperly taken {$120.00} from me - wrongfully using 2 upgrade credits and also charging me for an upgrade I did not use and that Southwest had refunded me. Rather than helping me and honoring the terms of their agreement, the least message I received said they would no long reply on this issue despite the violation of their own terms.
Product: Mortgage

I was on a Forbearance plan from XX/XX/XXXX - XX/XX/XXXX, then resumed payments from XX/XX/XXXX - XX/XX/XXXX. The company sent me a foreclosure notice in XX/XX/XXXX stating I was 19 months behind, in foreclosure and they would only accept full reinstatement. I requested dates of missed payments and they refused...
Product: Mortgage

I entered into a HAMP mod with OCWEN in XX/XX/XXXX, the terms of that mod include debt forgiveness/cancellation in XXXX even steps after I perform without missed or late payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I received a XXXX this year stating that OCWEN has taken the full amount of debt forgiveness against the XX/XX/XXXX tax year. This is debt forgiveness that has not yet been realized as the dates have not been hit and I still have to perform. This is tax fraud ( it has been reported to the IRS ) and I have no doubt that OCWEN is treating all other similar HAMP mods the same way as they are desperate to have losses to package as " advance receivable trusts '' or similar debt instruments. 

OCWEN can not take the " loss '' in XX/XX/XXXX ( in violation of the HAMP mod terms ) without immediately granting me the debt cancellation rather than making me wait several years. OCWEN ca n't pick up their end of the stick without picking up my end also. 

I am harmed by the illegal acceleration of the debt forgiveness as I am obligated to show an additional $ XXXX in " income '' on my tax return. This is unconscionable. The schedule for debt forgiveness is on " page XXXX of XXXX '' in the agreement, paragraph XXXX ( C ) " the modification ''. This is I believe actually the XXXX page of the pdf file attached.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ XXXX XXXX XXXX, XXXX XXXX  XXXX, Texas ] [ XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ] There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : [ XXXX XXXX ] [ XXXX ] The only job I need listed is : [ XXXX XXXX XXXX XXXX, XXXX XXXX ] Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. XXXX, XXXX, and Experian are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XXXX. 

None Account Inquires -XXXX XXXX ( XXXX/XXXX/XXXX ) - XXXX XXXX XXXX/XXXX/XXXX ) -XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) -XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX Federal Credit ( XXXX/XXXX/XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX/XXXX/XXXX ) - XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX )
Product: Credit card or prepaid card

Paypal Credit which is administered by Synchrony unilaterally lowered my credit limit from XXXX  dollars to XXXX dollars. This will very negatively affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXX CO XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes.
Product: Credit card or prepaid card

Complainant holds an account with the credit card company since XX/XX/XXXX, account in good standing. Account holder called in good faith on XX/XX/XXXX to amend personal information on account to add temporary SSN issued by Government ( complainant is currently pursuing citizenship ). 

Card company proclaimed security risk, held account charging privileges under the description of " security due to SSN change '' - no SSN change. New SSN was issued, it would be in addition to the information under which the account was opened in XX/XX/XXXX ( with alien registration ID number issued by Government ). Said alien registration ID number is still valid and is not changed/modified/invalidated by the temporary issuance of a temporary work only SSN.

Discover refused to re-instate account based upon security risk ( what risk? an SSN is being amended to an existing in good standing account ), and refused to close account at customer request - and refused to note on credit report that closure was explcitly at the request of the customer.

Complaints : 1. Discriminatory practice against immigrants by inferring credit was no longer valid due to immigration status process [ reference ECOA ( 15 U.S.C. 1691 and following ) and Regulation B ( 12 C.F.R. 1002 and following ) ], 2. Denial of proper credit reportage and customer direction to close line of credit and associated reporting at customer request [ reference FCRA 15 USC 1681 and following ]
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Equifax has the amount as XXXX But XXXX has the same student loan as XXXX they doubled it and I keep telling them it is incorrect