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

The information concerns the status of my husbands XXXX student loan on which I was a co-signer in XX/XX/XXXX. The loan number appears on my credit report as follows : XXXX The original amount is {$2400.00}. <P/>My husband and I submitted the attached letter in XX/XX/XXXX and the loan information on my husbands credit report was corrected but mine is still inaccurate. The loan is still listed as a negative item on my Experian credit report. On XXXX and XXXX it is showing correctly and not affecting me negatively The following comments appear in the status and comment sections related to the loan : Paid in settlement ; Account paid in full for less than full balance. It is also showing a late payment in XX/XX/XXXX. We have never been late on a payment. <P/>As you will see by the attached letters, I have disputed with both XXXX and Experian but Experian will not correct the problem. My husband disputed it and they removed it from his Experian report. Since I am just the cosigner it should be corrected on mine also. I have disputed with Experian 3 times and they will not adjust it even though it is showing correctly on my husbands report and the other 2 reporting agencies.
Product: Credit reporting or other personal consumer reports

Experian failed to provide any transaction history or verification for the disputed accounts, despite my request. They implied that I benefited from fraudulent transactions without presenting any evidence and refused to provide me access to the information they used to make their decision. Either they withheld key documentation or made their determination without reviewing any proper evidence. I am requesting that Experian verify every detail of every account with adverse information on my report, as they failed to properly investigate and provide the necessary verification. If they can not provide this, I demand the removal of all adverse information from my credit report. Furthermore, I am asking that they provide me the evidence and justification that they used to not to investigate my claims if the accounts remain. There are multiple errors and with the hostile response. I am receiving to try and just straightened it out. I would like for them to verify everything well under scrutiny. I am still seriously ill and do not need to be dealing with this as it exacerbates my condition.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. XXXX I sent my FTC report and PA license to Experian, XXXX, and XXXX. I did not authorize these fraudulent accounts. I will be filing a civil suit for the reporting of fraudulent accounts on my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

I completed a purchase with the retailer XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. The retailer advised me that they are having a problem placing a purchase on my Synchrony Home Credit Card issued by Synchrony Bank. Currently, the account is showing available credit of : {$8600.00} as of XX/XX/2023. Specifically, the purchase amount is : {$7500.00}. Therefore, on XX/XX/2023 at or about XXXX XXXX, I utilized the " chat '' function of the business Synchrony Bank through a website maintained by the business. The chat session ID is : XXXX, the employee was listed as XXXX. I have placed an arrow and underlined the relevant information. The employee confirmed the following : " Thank you for waiting. Upon checking XXXX XXXX XXXX accepts Synchrony Home Card ''. Additionally, the employee stated : " That is correct there shouldn't be any problem on your card. It may be their terminal that would have the problem ''. Also, for the record, since opening this account, I placed an {$8000.00} flooring purchase that was paid off during the promotional period and numerous other small furniture purchases. All of my purchases on the account have been paid in full during the promotional period. I have included on this complaint the chat session and a printout from the Synchrony Home website showing the merchant is an authorized retailer accepting the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX the financial institutions and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  and XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of these accounts being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT MARK AS DUPLICATE, THIS IS INTEND FOR EQUIFAX. 

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX 3. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Checking or savings account

I am writing to file a complaint against JPMorgan Chase regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against JPMorgan Chase for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

My name is XXXX XXXX. The payment collection of my mortgage loan number XXXX was being serviced by XXXX XXXX XXXX XXXX until XXXX XXXX, 2017 when it was transferred to Dovenmuehle Mortgage Inc. As a result of this change I ended up paying twice the monthly installment ( {$1300.00} ) for the month of XXXX XXXX. One payment was made on X/X/2017 to XXXX XXXX XXXX and the second payment was made on X/X/2017 to XXXX Mortgage. A few days after receiveing this last payment XXXX XXXX XXXX transferred it to Dovenmuehle Mortgage. That 's how Dovenmuehle Mortgage end up with double mortgage payment for the month of XXXX 2017. I have made multiple requests to Dovenmuehle Mortgage Inc. to reimburse this double payment ( for the amount of {$1300.00} ) to  me in a form of a check. It has been two months now since my initial request, and despite I have contacted them twice ( last time talking to an Agent named XXXX ), Dovenmuehle Mortgage has refused to send me a check. Dovenmuehle Mortgage Inc. address is : XXXX XXXX XXXX, XXXX, PA XXXX and their phone number is XXXX. Please help me get my money back as I have no other means to deal with this bank. Respectfully, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

I have been contacted repeatedly by several different debt collection agencies about a debt owed to XXXX XXXX XXXX, XXXX, Pa. by an XXXX XXXX. I do not know how his name got connected to my cell number as I have had the number for 7+ years. I told the debt collection firms in XXXX, Ohio ; XXXX, Pa and the accounting department at XXXX XXXX that this is not XXXX 's number, that the only XXXX XXXX I knew is one that I arrested, that he is not at this number and to quit calling. Calls stopped for a couple of months and then I got one today from XXXX. I called them back ( and even though I blocked my number it was displayed to them??? ) Medical Revenue Service I explained this to the woman and she said that they just got the " account ''. She said that she would remove my number but the others said that too!!! I was recently informed by a neighbor that XXXX XXXX is XXXX, that he XXXX after an XXXX or something in the XXXX County ( PA ) jail. I informed these people of that. Someone needs to get the message across to XXXX XXXX XXXX and their debt collectors to get their information correct before they start harassing people and to get a system in place to remove bad information from the system Apparently this latest company buys bad medical debt and tries to collect, in this case they wo n't because XXXX is XXXX.
Product: Checking or savings account

I have a savings account and a spend account with Credit Karma. I was having my XXXX XXXX XXXX  deposited directly to the Credit Karma savings account each month. There was about {$2200.00} in the account. Around XX/XX/XXXX, someone hacked into my account, stole all the funds, and closed the accounts. They used the email address : XXXX @ gmail and replaced my phone number with XXXX. I could not access the account and reported it to Credit Karma. I told them I had been hacked and had no access to the accounts. I provided them with several forms of identification ( driver 's license, passport, Social Security card ). After several days of trying to prove my identity and telling them that I had been hacked and my money was stolen, Credit Karma finally allowed me to get into their website, and when I clicked on the savings account I got this message : " Sorry for any inconvenience. At this time, we are unable to open a new XXXX account for you. '' XXXX weeks ago there was over {$2200.00} and now I do not even have an account. Credit Karma closed the inquiry after my ability to access their site and ignored all my protests that I was robbed. Credit Karma customer service is terrible and it is difficult to explain what happened. The only account numbers are the digits on my Credit Karma debit card : XXXX. I am a XXXX XXXX XXXXnd I need these funds. Please help me retrieve my funds. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I spoke to an agent over the phone XXXX XXXX and sent out letters to the companies to delete inquiries that are not mines on my report. The agent would not help me and I did not get a response from the companies in writing, it been 45 days. 
XXXX XXXX XXXX XXXX Equitableacc XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Am Rent XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been a Coinbase member since XXXX. 

XX/XX/XXXX : Purchased XXXX  on the Coinbase platform. 

XX/XX/XXXX : Coinbase reduced the amount of XXXX  I could purchase and eliminated my bank account information and restricted future purchases. 

XX/XX/XXXX : I tried to transfer XXXX  I have on the platform onto a XXXX. Notification came up on Coinbase saying I was restricted from transferring XXXX off platform for 30 days. I could sell but not transfer. 

I immediately contacted customer support through the virtual support. They advised my account was restricted and there wasn't anything they could do. Stated I had to wait the 30 days. They then did another review and stated I need to provide updated XXXX documents. I then provide my driver 's license and passport through the XXXX verification on the Coinbase site. 

I was advised the Coinbase team would review the account and send an email. 

XX/XX/XXXX : I sent an email follow up to Coinbase customer support. Received no reply. Contacted customer support through the Coinbase virtual support on the Coinbase site. They advised my account was still under review and they could not do anything to speed it up. 

I called customer support on the phone, waited XXXX hrs on hold, the when I spoke to an agent was advised it was still under review and there wasn't anything they could do. 

XX/XX/XXXX : I filed a complaint on the Coinbase website. I chatted with a virtual agent and was advised there wasn't anything they could do. I posted a complaint on the XXXX Coinbase page. I received a reply and provided the moderator with my case number, XXXX. They stayed I have to wait for a reply via email. I then called customer support and was on the phone for an hour. The agent asked a series of questions regarding my account- Is the account mine? Am the only person who uses the account? Have I used other wallets. I answered there questions and they told me they escalated the issue and that support was waiting on answers to these questions. I advise them these questions had never been sent to me or asked before.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights # XXXX. 
15usc 1681 section 602 A States I have the right to privacy.

15usc 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15usc 166b States A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Re : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached please find a letter I received from a collection agency on XXXX The letter states : We have also deleted this collection item from your credit report. Clearly the agency failed to do so, as the collection record shows on my credit report as XXXX The item in question is : XXXX XXXX XXXX XXXX XXXX Please remove this item from my credit history immediately as the creditor and I both have requested. 

Thank you for your time, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : XXXX - LENDING USA Monthly Payment : {$170.00} Date Opened : XX/XX/2017 Balance : {$2700.00}
Product: Credit card

XXXX Upromise Mastercard recharged my credit card for a transaction that I did not authorize. I disputed the initial charge and never received a response from XXXX, just the recharge. After speaking to a representative, I was informed that the initial dispute was rejected without my knowledge. I have clear e-mail evidence from the merchant that the transaction should never have been charged, however, XXXX still re-charged the fee from the merchant.
Product: Student loan

I contacted FedLoan servicing at the start of XX/XX/2022 to request a refund of payments I had made during the XXXX forbearance. FedLoan acknowledged that my request had been received and that I would receive my refund within 2 to 6 weeks.

Approx 2 weeks of that refund request, all of my loan information disappeared from my account on the FedLoan website. I contacted FedLoan on XX/XX/XXXX to understand why I could no longer see any information related to my loan on their website. I was informed by the agent on the phone that FedLoan no longer serviced my loan and that it had been transferred to another servicer. They said my request for a payment refund would have to be made through the new loan servicer. 

I immediately called the new loan servicer, XXXX. They said that my loan information had not actually transferred yet and could take up to 2 months to transfer and be in their system. They could not see any info related to me or my loan as it was not yet in their system. 

FedLoan servicing knowingly made a promise of a payment refund with a 2-6 week timeline and then immediately sought to transfer my loan away from themselves. They knowingly gave fraudulent information and made no effort to process my refund request. Money that is legally my right to be refunded is now unavailable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX