23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Formal Inquiry Regarding Credit Card Application Denials Dear Sir/Madam, I am writing to formally express my concerns regarding the repeated denials of my applications for a Citibank credit card. I have applied several times over the past [ XX/XX/year> to XX/XX/year>, but unfortunately, I have been denied each time without clear, actionable reasons. 

According to 12 CFR Part 1002 ( Regulation B ) of the Equal Credit Opportunity Act ( ECOA ), it is unlawful for a creditor to deny credit based on discriminatory practices or without providing a specific reason for the denial. As a consumer, I am entitled to a fair opportunity to obtain credit and expect transparency regarding any decisions affecting my application.

I respectfully request the following : 1. A detailed explanation of the reasons for my application denials. 2. Clarification of any adverse information affecting my creditworthiness, so I may take appropriate steps to address it.

3. Reconsideration of my application, should there have been any errors or oversights during the review process. 

Please treat this as a formal inquiry under ECOA. If my applications were denied based on incorrect or incomplete information, I ask that you promptly correct your records and reassess my eligibility. 

I look forward to your prompt response within 30 days, as required under federal law. Should I not receive a satisfactory response, I will consider escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursuing further action to ensure compliance with the law. 

Thank you for your attention to this matter. I trust that Citibank will handle my inquiry with the professionalism and fairness it is known for. 

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

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several fraudulent / unauthorized inquiries listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Equifax to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : 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. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX XXXX XXXX XXXX )
Product: Credit card or prepaid card

Synchrony Strikes again! This is the singularly most CORRUPT financial provider EVER. 

On my Lowes account, I had a promotional balance as of XX/XX/2019 statement of {$1200.00}. My promotional balance expires on XX/XX/2019. 

On XX/XX/2019 I paid {$300.00} and per Synchrony Bank written policy, " during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account. '' My {$300.00} payment was applied to THREE different balances, this is WRONG. Per your policy, the {$300.00} should have all gone to the expiring promotion of {$1200.00} On XX/XX/2019 - when my promotion was expiring, I paid {$900.00} and again per your policy, this entire amount should have gone to my EXPIRING promotion. 

As an added insult to injury, Synchrony CONVENIENTLY TO THEIR BENEFIT failed to include my {$900.00} payment THAT WAS POSTED IN MY PAYMENT HISTORY effective XX/XX/2019 on my cycling statement. 

By doing this Synchrony WRONGLY enriched themselves with {$970.00} of UNEARNED INTEREST. 

By violating its own written policy for payment allocation during a month in which a promotion expired, and wrongly allocating my payment, while small in dollar amount, that in effect still makes my {$1200.00} balance not paid in full, and by first telling me I would be credited {$970.00} in finance charges, again Synchrony continues to enrich itself by allowing my balance to carry over into another billing cycle and again reaping unearned interest.

My account is quite clear. I now have 3 promotional balances, and 1 posted non promotional balance, which I will be paying the non promotional in full BEFORE the next billing comes due, which I will call in and make sure the highest manager possible posts it correctly. 

Synchrony needs to COMPLETELY re-age my account, take it BACK to before the WRONGLY CHARGED deferred interest was charged. You scare the living XXXX out of me when I am told " we need to reallocate all your balances and payments '' - you have extremely creative math to the detriment of the consumer. 

I am copying this absolutely abominable, inexcusable error to the Executive Leadership at Lowes Corporation, to once  again implore them to STOP using you for their financial services. Consumers rely on the ability to make large purchases and defer any interest/final payoff. The average consumer, sadly, does not mind their statements as much as some of us, or are sadly aware of your underhanded tactics. This is an ultimate harm to the Lowes Consumer, and I am sure Lowes does not want to deter consumers from shopping in their stores. 

I have asked the CFPB before, and ask again, Synchrony Bank needs to be closely monitored for failure to supervise their fiduciary responsibility.
Product: Credit reporting or other personal consumer reports

I do not recognize the aforementioned accounts, collections, addresses or hard inquiries as reported. The aforementioned accounts, collections, addresses and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Identity Theft did a Police Report on XX/XX/20 called XXXX to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the 3 Credit Bureaus to Update Information and fix all Credit Reports because this is due to Experian Messing up on their end
Product: Credit reporting or other personal consumer reports

I am on a repayment plan agreement and the company ( XXXXNewrez mortgage XXXX ) continues to report my account as negative to the credit bureau even though I have complied with the terms. When the company offered me the repayment plan after coming off of a special program that I qualified for due to XXXX, they reported my credit as 120 days late even though I complied with the terms and is continuing to report my credit as 30 days late each month even though I continue to comply with the terms of the signed agreement. This deceptive practice was not explained to me before I entered this agreement. Why would you say that youre trying to help me when youre trying to ruin me at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX IL XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXXXXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX on my prosper account XX/XX/2022. The payment was on time. I sent a statement confirming I paid the XXXX which Prosper also confirmed on the statement but didnt report to the credit bureaus. This is fraud and they did not acknowledge my payment. This is discrimination and if the person was white this wouldve happened.
Product: Debt collection

Received notice from  XXXX  ( collection agency ) that I owed on a medical debt, I sent a dispute and requested validation from that with my signature that the debt was mine. The collection agency sent back my patient statement  (  private information ) with diagnosis and codes, procedure and codes that they received from  XXXX   XXXX  hospital. I sent them a  XXXX  violation dispute and they sent back a letter stating that they verified my debt. The request was for validation, not verification. This is a violation of  XXXX  violation
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/2021 XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

My name is XXXX XXXX I am reaching out to the Dept. of Education and Immediate Credit Recovery. Account # XXXX I have written all 3 credit bureaus and Immediate Credit Recovery about placing my student long account in forbearance or deferment because of the Covid-19. Everyone else in the United States and my friends all their student loans were place in forbearance or deferred but mind is still reporting as Charge Off and my credit scores with no job. I can not get a place to stay because I am not working and my credit because of these student long reporting as Charge Off is ruining my life. I am asking and pleading the Dept. of Education and Immediate Credit Recovery who I didn't even know had my student loan in collection. I never received a letter until XX/XX/2021 after I wrote to the credit bureaus and Dept. of Education. I talk to my Attorney General 's Office they told me to write this letter to CFPB asking both the Dept. of Education and Immediate Credit Recovery to place my student loan in deferment or forbearance. Until I can get a job and place to stay. Also, my Attorney General 's Office said that Immediate Credit Recovery can not collect in the state of California because it is not license or have a registered agent. They are validating Federal and State laws along with FCRA Sec. 605 ( c ) and FDCPA Sec. 807 ( 8 ) & Sec. 805 ( c ). As a consumer I am suppose to be afforded protection under these laws. This causing me not be credit worth of any new credit or to get a place to live. I highly appreciate that you can assist in either removing this off my credit or update as current.
Product: Checking or savings account

I received an unauthorized hold for {$69.00} and attempted to chat with Credit Karma online to resolve the charge. The funds were " on hold '' and not accessible for my use. CK 's representative, XXXX, said the charge couldn't be addressed until XX/XX/XXXX, a week from now, that the unauthorized charge would need to complete and then I could ask for a refund. I asked XXXX repeatedly for escalation and was refused. Then I asked to speak with a supervisor and was again refused. I asked/demanded a total of about 12 times, each politely, and I never used coarse language or cursing, etc. After my 12 requests and demands, I was given the main phone number XXXX, and told to call there to speak with a supervisor. That number has a XXXX  of methods and menus to prevent consumers to actually contacting a representative, and no way at all to reach a supervisor/manager. I was finally able to reach a live overseas representative named " XXXX '', who asked me to upload pictures of my ID and a selfie of my holding my ID. She also refused to release the funds that were being held against my approval. I then asked her to escalate the call and allow me to speak to a supervisor, and she refused 7-10 requests, using misdirection techniques, including a " manager callback in XXXX hours '', and she finally told me she would go get a supervisor, and made me hold for several minutes until she returned and refused to allow me to speak to a supervisor. She hung up the phone when I got upset and demanded to speak to a supervisor. Clearly, they have no intention to escalate the issue in anything resembling real time. 
I'm livid because Credit Karma has no machination or willingness to protect me as a consumer, as its customer, and has no willingness as a company to solve issues of theft in real time. I have no access to these funds now, and no ability to speak to a manager or supervisor to address the issue. This is absolutely unacceptable. Is it legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of this year, 2019, a collection for {$300.00} was removed from my credit reports after being removed, previously, re-aged and reissued, by Grant Mercantile Agency. XXXX it was reissued on my credit reports. I've disputed the debt with the original creditor, through the bureaus and with Grant Mercantile Agency several times and they continue to engage in this abusive activity in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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

I am a victim of XXXX  XXXX  of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

On XX/XX/2021 my mortgage company, Mr Cooper/Nation Star Mortgage, debted my bank account 3 times totaling {$3700.00} without my authorization. I have spoken to this organization multiple times with no resolution of this financial theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent letter to XXXX XXXX XXXX and I haven't received any information back. I noticed some discrepancies on my credit report the should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year later ... Transunion will not let me request my credit report via the annual reporting website. In addition, their free online consumer tools continue to lock me out or give me " this request can not be completed online '' when I attempt to access anything. The previous excuse was that I had a dispute " pending '' it's been a year. When I have paid for credit monitoring through them somehow it's no longer a problem. 

Of the 3 major reporting agencies, Transunion is the least accurate. Their responsiveness to reporting requests, disputes, on the phone, web, etc. is by far the worst. 

I don't appreciate my private credit information being serviced overseas. I know I'm the " Product '' here and not the consumer. That said I have rights, TransUnion needs to be investigated and audited for their business practices.
Product: Credit reporting or other personal consumer reports

12 CFR 1022.24 - Reasonable opportunity to opt out. 
CFR Table of Popular Names prev | next 1022.24 Reasonable opportunity to opt out. 
( a ) In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by 1022.21 ( a ) ( 1 ) ( ii ) of this part. 

( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt-out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.

( 2 ) By electronic means.

( i ) The opt-out notice is provided electronically to the consumer, such as by posting the notice at a Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.

( ii ) The opt-out notice is provided to the consumer by email where the consumer has agreed to receive disclosures by email from the person sending the notice. The consumer is given 30 days after the email is sent to elect to opt out by any reasonable means.

( 3 ) At the time of an electronic transaction. The opt-out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on a Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.

( 4 ) At the time of an in-person transaction. The opt-out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt-out preference or that requires the consumer to check one of two blank check boxes ; one that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.

( 5 ) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act privacy notice. The consumer is allowed to exercise the opt-out within a reasonable period of time and in the same manner as the opt-out under that privacy notice. 
XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing about 5 credit accounts that I found out I had on XXXX I have contacted the credit card company over and over. They all keep telling me that I knew about it and it is legit. That is bull. It could have been a number of people that could have done this. We helped people out all the time that stayed with us. We even found out a couple that we thought were true ended up being who knows who that gave us alias names and disappeared. And as far as the bills or statements go they say I got, I never have seen a one of them until now and it is because my husband isn't here anymore nor are his friends. But I can't prove anything but my word and my true story. I am tired of repeating. I just need to get these disputes done. Please help me. I can not afford their mistakes, whoever they are. This dispute is with Tate & Kirlin Associates , Inc . 
The client of them is XXXX XXXX, XXXX. Original creditor was XXXX. For the amount of XXXX. I have been disputing through XXXX but nothing happens but them saying I am liable. Well, no I am not. Someone else did this. And they always used my phone too. How ignorant I was then. I am definitely treating people with suspicious nature now. Can't trust anyone. Please help me clear my credit score up for these peoples mistake. I can't even rent an apartment right now.
Product: Mortgage

On  XXXX   XXXX ,  XXXX , I owned a property located at  XXXX   XXXX   XXXX   XXXX , NJ  XXXX .    Wells Fargo  claimed they completed a sheriff sale in  XXXX  of  XXXX , while I was still living in the home and while I was on a modification arrangement with the m. Wells Fargo  used dual tracking to foreclose on the home through an Attorney  XXXX ,  XXXX  and  XXXX  whom I sent payments to that were cashed by the law firm tha t Wells Fargo  had hired.  XXXX   XXXX  and  XXXX  were admonished in  XXXX , however they still collected payments from me through  XXXX , while i was still the owner of the property.    Wells Fargo  never confirmed a sherriff sale. On  XXXX   XXXX ,  XXXX  I contacte d Wells Fargo  who confirmed that I am eligible to do a short sale, the short sale documents were sent to  Wells Fargo and  were excepted by them. On  XXXX   XXXX ,  XXXX , the deed was filed 3 years later by the firm of  XXXX   XXXX   XXXX  who were NOT the original attorneys on the file. Also the Indenture date of the  Sherriffs Sale  is 5 days before the actual sale.    Wells Fargo h as clearly committed several frauds. I am requesting a full investigation into this matter prior to me hiring outside counsel.