23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries listed below from my credit report, as I am a victim of a data breach. This request is pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide protections to consumers who have experienced identity theft. 
Accounts : XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$820.00} XXXX. XXXX XXXX Account XXXX : XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amount : {$840.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$280.00} XXXX. XXXX Account Numbers : XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : {$400.00}, {$580.00} XXXX. XXXX XXXX Account Numbers : XXXX, XXXX, XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$120.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$1300.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I bought XXXX XXXX  tickets in XXXX for my family to fly to XXXX. We were charged {$990.00}. I disputed the charges as we were restricted by NYS to fly to XXXX in late XXXX XXXX XXXX and XXXX was closed. We received our money back from every vendor except XXXX. I disputed the charges with discover and my account at the time had a {$0.00} balance. Discover immediately issued a temporary credit for the full disputed amount ( {$990.00} ). My account then had a negative balance for - {$990.00} and Discover never received any information or documents from XXXX showing that the charges were valid or approved by me or any services rendered. They initially ruled in XXXX 's favor ( without receiving any documents from XXXX ) and charged the money back to my account bringing the balance to {$0.00}. However, they also sent me a check for {$990.00} and before I cashed the check, they immediately applied another charge to my account for {$990.00}. I then called back and asked to talk to a supervisors supervisor. No one every called me back. I would call in numerous times and ask for multiple call backs and have never received one. I also uploaded supporting documentation about XXXX 's voucher policy and that my voucher balance didn't add up to the original purchase amount. A woman from Discover credited me {$180.00} and told me she would look into refunding me the remaining balance. She never called me back and when I called discover back to explain what happened they told me I needed to provide more documentation for my dispute. However, at this point, Discover still never reached out or heard anything from XXXX. When I told them I was never asked for this information previously and the representative told me she was looking into getting me my money back, they just acted as if that call never happened and when I asked them to pull those call records they refused. I was then told and guaranteed by a representative in the fraud department that if I claimed the charges were fraud that Discover guaranteed multiple times I would receive all my money back. After I submitted the fraud claim, discover refunded me additional money so my balance was around {$600.00} on the account down from the original {$990.00}. I kept calling to see when the remaining balance would be refunded and I was told it would take 10 days. I would consistently call and ask for a manager to call me back and no one would ever call. Now my balance, which originally started at {$0.00}, has no grown to {$1500.00}. I haven't made any additional purchases on this account during this entire process, except one charge for {$0.00} for my XXXX data storage. This is fraud for a company to add an additional balance to my account.
Product: Credit card or prepaid card

Since XX/XX/2018, Citibank has locked my card ending in XXXX " for my protection ''. After waiting a week for the letter that was repeatedly referenced through Citibank 's secure messages and phone calls with me, I faxed it to Citibank. Over the next several days, I was told repeatedly I still needed to call in even though the requested information had been received by them ( faxed letter request from Citi as well as SSN verification form ). I called Citibank several times in response to their secure messages stating that the matter could not be resolved through secure message, and only by phone. I was told every time I called that my card would still not be unlocked with no reason given except to 'wait a little longer '. If Citi only had to speak to me, why is the card not unlocked? Well as of 2 days ago, I was informed via secure message that Citi wanted me to resend the fax as it was not readable. This is over a week after the original fax was sent and confirmed received. Why was it confirmed as received if it was " unreadable ''?
Product: Payday loan, title loan, or personal loan

I have applied for personal loan in the amount of {$10000.00} with XXXX XXXX company in order to pay my medical bills not covered by insurance and other expenses ( I need to help my elderly parents, car repair, home improvement ). I provided all requested information. My application was declined. 

Based on the advertisement of their product, my credit history, my financial standing and amount of loan to my income ratio, my application should have been approved : - I am a salaried professional with steady income, working for over 20 years in the industry - I have a good credit history with some of the FICO scores like XXXX, XXXX, XXXX, XXXX with average XXXX at the time of the application ) which is higher than national median and higher than the score Earnest advertised as acceptable - I don't have any credit card debt ( practically XXXX ) I don't carry balances over and typically balance is almost XXXX - I have 18 years old credit history with only one installment loan paid on time, I have a record of paying off the mortgage - I don't have bankruptcy on file, never filed for bankruptcy in the past The amount of loan to income ratio was very low - less than 10 % ( I also have all benefits including medical insurance, vacation, life insurance ) - I have assets : a ). a saving account ( in the amount substantially covering the amount of loan requested ). 
b ). I own a car with no lien on it This proves my ability to save and provides liquid funds for emergency - I have lived at the current address for over 6 years - I have a good driving record - I am young enough to make all installment payments and pay the loan off But my application was declined, therefore I have concluded that I was profiled by the criteria that has nothing to do with financial risk and would like to complain to CFPB about this lending discrimination on behalf of Earnest apparently based on my social status or ethnic/religious group that I belong to and I want CFPB to investigate the fact that these very criteria was used by Earnest to decline my application
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the EQUIFAX regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the account information. It is inaccurate. I contacted the 3 bureaus ; Equifax is the only company still reporting and refusing to investigate and provide more information relating to the account/
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX  XXXX XXXX Balance : {$290.00}.
Product: Mortgage

On XX/XX/2023, I applied with XXXX Tap company for a Loan against the equity in my home. The process was initially smooth and the representative was very helpful and communicative initially. I provided all of the documentation that I was asked for immediately as I knew that I had issues to handle financially. I was given a XXXX to XXXX week timeframe for this process to be handled from start to finish, however that was not the case. 

There were a litany of issues during this process including but not limited to : 1 ) Misleading timeframe for process 2 ) Unreasonable delays due to my home being titled into a Trust 3 ) Misleading expectations set for a positive outcome of the process 4 ) Lack of Communication with their own representative and with me about progress 5 ) Deceptive lending practices 6 ) Dishonesty about communicating with my bank to request a Verification of Mortgage 7 ) Unprofessionalism 8 ) Insensitive communication from the Supervisor 9 ) Discrimination 10 ) Failure to provide detailed explanation of ultimate reason for decline This company does not have a legitimate process for its customers and I believe that this company knew weeks prior that it was not going to approve me for the Home Equity Loan however, I was dangled for four weeks with : 1 ) " we don't have an update yet from underwriting '' 2 ) Underwriting is waiting on requested information from your credit union 3 ) I don't know where we are in the process as there are no updated notes 4 ) We should be hearing something back anyday now 5 ) As soon as we hear back from underwriting we will let you know There was no communication from underwriting to me through this process. No requests for clarity on any confusing documents. I basically took control of my own process by requesting a Verification of Mortgage and a Letter of Explanation from my credit union regarding information that my representative told me " might '' have been an issue.

This company should not be in business as they are not upfront with the expectations the customer can expect nor are they transparent through the process.

I am very upset that they wasted three months of my life. Now I must proceed with finding another lender after 90 days of being tied up with this highly unprofessional company. 

I also feel as if I'm being discriminated against because there is no logical reason for the decline and no attempt to let me know why I was declined. 

Thank you.
Product: Consumer Loan

XXXX XXXX I co-signed a vehicle loan for my brother. We got Wells Fargo. XX/XX/XXXX the car was totaled. A payment of XXXX was made XXXX, XXXX. The monthly payments are XXXX a month, leaving a balance of XXXX due on a 48 month loan. I did not know the car was totaled until XXXX, XXXX. I immediately contacted Wells Fargo on XXXX XXXX, XXXX. I was in contact with them until XXXX, XXXX going though XXXX cunstomer service reps. and XXXX account Managers. Each process with ruder and ruder associates. XXXX asst., # XXXX and XXXX acct. Manager # XXXX being rude and of no help, with just the opposite of any prior help. I asked why my account was not reflecting 20 1/2 payments that they were paid on XXXX, XXXX by the insurance and did I still have a 48 month loan. I was told yes by the XXXX account manager XXXX and not to go by what my account was showing. They have since file 2 late payments on my credit report after stating this would not be done. They also suggested doing an insurance deficiency re-write loan. I did that and they refused me. They all agree I still have a 48 month loan though.
Product: Mortgage

On or about XXXX XXXX I started the process with Freedom Mortgage for a cash out loan. Over the course of the next two months I was directed to provide documents. After each request I complied within 48 hours with the only exception is the termite inspection ( {$470.00} ) and appraisal ( {$300.00} ). On XXXX XXXX I was told my account was rejected as incomplete even though it was recognized that all documents were submitted in time. I would like compensation for costs incurred during this process that ended by no fault of my own.
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. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct erroneous reporting in the file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance : {$1900.00}
Product: Debt collection

Chase bank allowed someone to upload a fake check into my account for got over 1700 dollars and downs transaction at XXXX for XXXX dollars. I spoke with XXXX they told me my info was used to send money to send a XXXX to XXXX transaction to XXXX. They bank did not properly look into my account because ill called XXXX and got this info. I contacted them let them know my care was missing I let them know my last transaction of {$5.00} on X/XX/17 they are n't trying to help they stole my money & chase pretty much robbed me to I honestly want to Sue.
Product: Money transfer, virtual currency, or money service

I am a XXXX year old XXXX  veteran living in Maryland that fell prey to a robocall scam that involved providing my bank account information. They convinced me that my account was over-credited by {$39000.00} on XX/XX/19. On that date I went to my Bank of America Branch ( BOA ) and talked with the bank manager about needing to wire this {$39000.00} back to the account number that was provided to me. I had never had transaction like this before and had just put money into this account to pay for my wife 's memory care facility and my assisted care facility expenses. The Bank Manager 's only question to me was whether I knew the recipient. I said I didn't but that I trusted him. BOA initiated the wire of the funds from my account. That night I realized that this was likely a scam and contacted BOA at XXXX XXXX  on XX/XX/19. BOA sent out some type of Money Recall Notice to the recipient Bank - ( XXXX XXXX  in XXXX, AL ) that on or around XXXX am on XX/XX/19. I have now been contacted by BOA fraud department and sent a Release and Indemnity Agreement that I am required to sign if I want BOA to assist in the recovery. The Agreement provides for waiving rights with respect to the initial wire and the recovery efforts, and a confidentiality provision that restricts me from talking about it with the press or anyone else. I have no other way to attempt to retrieve the defrauded funds or to even find out if the funds have been frozen by XXXX XXXX  and subject to recovery. I have no real idea of what efforts they will take or what rights I am giving up if they are not able to recover the funds from XXXX XXXX. I really have no choice but to sign this document.
Product: Student loan

Due to XXXX XXXX 's illegal seizure and viewing of personal and financial documents, my personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Debt collection

I disputed this debt with Portfolio Recovery, and they considered it validated because, as they stated they meet FCRA requirements. However my privacy has been violated! 


I never gave permission to have access to my information. How is that legal? My consumer privacy rights have been violated. Portfolio Recovery needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

This is an attachment to a previos dispute of fraudelent accounts made to my consumer report. Reason, I forgot to attach proof of my identity. 
Please remove the fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Im not liable for this accounts and procedures were not followed to make sure identity was mine.
Product: Credit reporting or other personal consumer reports

4 hard inquiries From XXXX XXXXXXXX XXXX  XXXX the last year : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I want to remove all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Fl, XXXX XX/XX/XXXX To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed a few incorrect balances posted on my credit report : WELLS FARGO XXXX XXXX XXXX ending in # XXXX Credit limit {$2500.00} Date opened : XX/XX/XXXX Last date of activity : XX/XX/XXXX and WELLS FARGO XXXX XXXX XXXX ending in # XXXX Credit limit {$1500.00} Date opened : XX/XX/XXXX Last date of activity : XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, please correct the balance for these accounts to {$0.00} on my consumer reports, as this agency is in violation of 15 USC 1681.

Failure to correct the above referenced account balance, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] XXXX XXXX
Product: Vehicle loan or lease

I paid off my vehicle at XXXX Mazda XXXX XXXX on XXXXXXXX XXXX XXXX. On XX/XX/year> I received a text message stating I had an overdue bill. I called Mazda Financial to sort it out and they said they dont have my payment of over {$19000.00} ( with state taxes fees they are due to receive just over {$17000.00} ). When I asked why not, the agent informed me the dealership JUST requested a payoff on XX/XX/year>. I explained its not my responsibility to figure out when their dealership sends over the payment, thats an internal issue. The agent told me to wait XXXX days to follow up with Mazda Financial , however Im concerned they will mark my credit as late when in fact the payment was delivered 4 days prior to the final day of the payoff ( XXXX XXXXXXXX XXXX ). Why is a dealership allowed to hold onto my money ( collecting interest Im sure ) while my credit is at risk of being damaged?
Product: Money transfer, virtual currency, or money service

Your case ID is : XXXX My name on my paypal account is XXXX XXXX and this is my paypal account.I am the owner of this account. I have {$420.00} in my balance that I need to get out. I have waited over 180 days for the release of my money as promised. You have no right to hold my monies forever.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} ; XXXX XXXX XX/XX/2022.