23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Formal Demand for Reconsideration of Credit Denial Potential Violations of ECOA & Regulation B To Whom It May Concern, This letter serves as a formal demand for reconsideration of my recent credit application, which Citi denied based on my credit history. Under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, creditors are prohibited from making credit decisions based on arbitrary or discriminatory factors. While lenders may assess creditworthiness, a denial based solely on credit historywithout considering mitigating circumstances, current financial stability, or alternative indicators of creditworthinessmay constitute an unlawful and unfair lending practice.

Regulation B ( 12 C.F.R. 1002 ) explicitly requires creditors to provide a clear and specific reason for adverse credit decisions. In my case, Citi cited the following reason for denial : " A delinquent credit obligation ( s ), either paid or unpaid, was recorded on your credit bureau report. '' This decision was allegedly based on information from : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Currently, XXXX is reporting five adverse accounts, all of which I have formally disputed and are in pre-litigation, pending permanent deletion from both XXXX and the respective furnishers. I have attached supporting documentation regarding these disputes. Any reliance on disputed, inaccurate, or unverifiable information to justify a credit denial is legally questionable and may expose Citi to liability under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

If Citi has failed to consider updated financial information, positive recent trends, or reasonable explanations for past credit issues, this decision may be deemed arbitrary, capricious, and in violation of federal fair lending laws.
Product: Mortgage

Nation Star has, even though we have made arrangements to repay past due and current balance ; called us repeatedly ; even after multiple requests to stop.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a bill, and a picture ID, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- - 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law, which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

These are the affected accounts. 

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

I reviewed my credit report and found that a bankrupcy appears on my report. That bankrupcy was discharged by a judge on XX/XX/2015 and should be removed from my credit report. Experian and the other two credit reporting companies have not done this yet. I've attached a copy of the court order discharging this item. Thank you.
Product: Credit card or prepaid card

I bought {$60.00} of stamps from USPS. USPS stamp store says delivery was made on XX/XX/XXXX. They were not delivered. The Manager of Customer Service ( XXXX XXXX XXXX ) for USPS XXXX confirms this and said according to the USPS tracking number the stamps were delivered to another address. Amex first credited me with {$60.00} and then reversed this. Two times I wrote XXXX XXXX, chief legal officer, explained this and gave her XXXX ' contact information to confirm what said. She has refused to respond. I emailed XXXX XXXX XXXXXXXX  and explained in detail again and asked to not be called but emailed. A XXXX XXXX from " executive office '' called and left a message. I left word to not call, but email, and to read the XXXX letters first. She again called back, asked me to take my time to explain everything, had not read the letters, and refused to contact XXXX to believe what I said. I told her to deal with me only in writing. The following day she against harrased me and called and left a message. I am XXXX XXXX XXXX and this is elder abuse. I have a more specific step-by-step outline I can email you. Amex believes USPS which gave them wrong information rather than a customer of 56 years with proof of USPS failure. I want Amex to stop harassing me and credit me {$60.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, BRCLYSBANKDE account is still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : BRCLYSBANKDE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Enrolled at XXXX College in XXXX Colorado, in XXXX of 2009. I did not attend XXXX class or use any resources of the college and tried calling XXXX.. A counselor or student advisor at the time.. To tell her I am not attending and drop me from the school ... She never called me back or responded and I was unable to go to the college in person at the time.. Therefore XXXX College went ahead and charged me at the time {$4900.00}. That debt is now with a collection agency and now the total due is {$6300.00}. I never accepted the debt. The collection agency now has called me over and over and at unusual hours. Past regular business hours. They 've called my father recently.
Product: Credit card or prepaid card

I have always make my payments on time ... I have never missed a paymen. However, I had my bank of america in XXXX and some how I got charge for something while I was on military training without internet. It was around 30 dollars. When I got back I made the payment but the company told me that theywere not able to do anything about the report. I had no internet during my training so I was not able to receive notifications
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX XXXX deposit a check I received from a client for the amount of {$11000.00}. There was a hold on the deposit until XX/XX/XXXX. Today my funds became available when I swipe my card it declined. XX/XX/XXXX I called customer service because I was having problems logging into my account and card issues. I was told my account was froze because suspect of fraud. Fast forward to today ( XX/XX/XXXX ) I have called XXXX more times and heard XXXX different answers and nothing is correct they are saying. There is no fraud and they know but they still wont release my funds. Saying an analyst has to take the hold off and it can take XXXX more days. This not fair at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncomplianceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reporting some accounts that were removed already but was re-inserted on my credit repot but I wasn't inform about it. I have not received any notification from any of the company and bureau. I have read that the accounts should be removed if no notifications were received withing 5 days. So these should be removed.
Product: Credit card or prepaid card

XX/XX/2020 I went to a hotel on the beach in Oregon only after calling the facility and being assured they were following the Governor 's mandate on masks. It was all a lie and they were not. When I got there I peeked in the small lobby to see a large number of people not wearing masks including the facilities manager and her employee behind the desk. On the front of the registration desk was a large sign about three feet long that said, " No masks, no service ''. But about 60 % of the people in the lobby were not wearing masks AND the employees were not wearing masks so I did not enter. I came back later when the lobby had cleared out. I asked the employees why they were not wearing masks, they did not answer. I asked for my money back as I had provided a credit card when reserving the room. They said if I did not cancel the reservation more than 24 hours before that they could not refund my money. So I was stuck. In a town with 100 's of motel rooms there was no alternative as everything is always full. I couldn't sleep on the beach or in my car as I'd get a citation. So I used the merchants services and stayed in the motel the night, and then got the heck out of their at XXXX the next morning. Bank of America of course follows their antiquated rules and simply state that as I stayed at the motel therefore I can not successfully contest the charge. I would hope during a world wide pandemic people would understand that not only was the motel " not as described '' but they put me in a life threatening situation. I am XXXX years old and immune compromised. When I came home my doctor had me self quarantine for two weeks. I want to complain about Bank of America and they way they treat people that contest charges.
Product: Credit reporting or other personal consumer reports

I have mortgage payments paid on time not reported I've disputed 5 items on my credit report ; nothing shows I just paid off XXXX XXXX XXXX XXXX and reported My scores go down instead of up
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue : Collections account is in violation of the statue of limitations. Reported incorrectly or not at all : date of first delinquancy, serviced utility address. 
Disputed with XXXX and XXXX multiple times in the last XXXX years. 
XXXX amount : {$280.00} XXXX : file accessible : XX/XX/2021 XXXX : XX/XX/2021, XX/XX/2021 Actions taken by reporting agencies : Disputed information accurate. Reported incorrectly. 
Not sure what to do anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX : XX/XX/XXXX : {$320.00} - XXXX : XX/XX/XXXX : {$320.00} - XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$440.00} - XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00} - XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. XXXX ( XX/XX/XXXX ) - XXXX will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. Prosper XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XXXX XXXX, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX ) - I had a secured card from XXXX XXXX, therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data breach on XXXX XXXX 2017.
Their website indicates that I may have been impacted. 

Any negative effects on my credit report due to this must be resolved.
Product: Debt collection

Aside from a copied letter with the letterhead showing as Centralized Mail, Mail Code XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX I have not received ANYTHING else from Chase Bank and have received NOTHING from my servicing Chase Bank officials as to whether this is a VALID DEBIT owed to whom or if this was/is the IRS whom I paid {$12000.00} XXXX XX/XX/XXXX and {$190.00} on XX/XX/XXXX, totaling {$12000.00} resolve my taxes due for tax year XXXX. I made these online payments to the online IRS payment portals listed on the IRS letters IRS mailed to me. These payments are recorded as paid out on my Chase savings statement for each of these two separate payments to the IRS. It appears that for whatever reason, IRS did not receive these payments or my payments were no credited to my IRS account. I am unable to resolve this with my Chase banking officials because the letter I received references a debt of {$73000.00} which is EXORBITANT for IRS which I now believe is a SCAM. In addition, if it is a valid debt someone would have contacted me to follow up on this alleged debt. Chase won't give me the courtesy of advising me WHO IS THE DEBTOR. I have a clean record credit record attached. I have never filed for bankruptcy and my current XXXX  is XXXX.
Product: Credit reporting or other personal consumer reports

I tried to get a copy of my credit report online, which I've never done before. ( I don't trust the security of putting my social security number and DOB out online as I'm a three time identify fraud victim. ) TransUnion 's process was horrible. I called five different numbers, went through all of these checks on the phone only to get hung up on five times!. At the sixth call the guy told me he couldn't help me and I had to " create an account '' or write a letter. 

When I finally got a copy of my reoprt online, it only had half of the informaiotn that one gets when requesting XXXX  via mail. Thus, theri " free '' reprots are useless. XXXX 's no information about hard hits on your accounts, paymetn history over the last 2 years or other critical inforamtion that consitutes a " FULL '' credit reprot. Why dont ' you make them provide a full reprot online? 

If they checked my authenticity via phone, why oculd n't they fix my errors via phone? What's the point of verifyign me and then sayign they can't help me?! I was also told I had to write two differnet letters andmail them to two different addresses for TransUnion- one address is to continue the fraud alert on my account and the other is to correct mistakes that the company made on my report. Why do I have to spend twice the postgage to fix THEIR mistakes? 
I've had nothign but incredible ineptness from all three credit bureaus over the last 20 years. Why are they allowed to operate with such disdain towards the consumer and make it my problem becuase they are inept and dont ' care?!
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a debt collection letter from XXXX XXXX XXXX ( XXXX ) in regards to a debt owed to PayPal , Inc . I contacted XXXX and reported that this debt was due to fraud and identity theft, and that I was an established identity theft victim. XXXX requested that I verify the email handle and birthday for the PayPal account. I did not recognize the handle and the birthday is not my correct date. XXXX said that would refer the collection back to PayPal. XXXX would not provide me with any additional information to aid in filing a police report with law enforcement. 

I contacted PayPal to report the fraud and identity theft. It was very difficult to get PayPal to accept that this was fraud and identity theft but ultimately did open a fraud investigation case and requested the recall of the debt from XXXX. I reported to PayPal that I was an established fraud and identity theft victim. PayPal verified that my Name, SSN, and phone number had been associated with the account but PayPal would not disclose the mailing address or the nature of the transactions on the account to include any shipping addresses.

PayPal indicated that they sell debt when it is over 120 days old, demonstrating that this account has been open for some time yet PayPal made no effort to contact me. Further it did not seem to be problematic to PayPal that there might be multiple accounts under the same identity and that this could be a source of fraud and identity theft. PayPal is operating as a bank yet does not seem to have sufficient practices for controlling fraud and screening for identity theft at account opening. I have an existing account with PayPal and that account has always been in good standing and existed prior to this fraudulent account. Had I been alerted at account opening or PayPal recognized the apparent conflict at account opening this entire incident and damage could have been prevented.

When I asked how I would be contacted regarding resolution of this matter, PayPal indicated that they would contact me but didn't seem to have much regard for having accurate contact information. I asked if they would call me or email me and what phone number and email address they would use since clearly the address associated with the fraudulent account is not under my control. PayPal said that I needed to call back and keep following up with them for updates as my only means to obtain closure on this matter. I asked PayPal how I could submit a police report documenting my identity theft and PayPal could not provide me with any response. 

I have filed an identity theft report with my local law enforcement and the FTC using the limited information that i was able to gain from PayPal and XXXX. Unfortunately, this is probably not sufficient information to hold accountable the responsible parties because PayPal has inadequate fraud and identity theft practices.
Product: Debt collection

So, Last XXXX I purchased labtop and lots of other XXXX gifts with XXXX. I got charged for movie channels and called them using the contact us at the bottom of the First page. So called me when I gave them my phone Number. On my Bank statement it showed the total cost for the XXXX $ So it was charged and Money was In my checking Account for it. But, when i talked to the lady from XXXX that I got charged almost XXXX $ worth of Video Channels and Other extra charges that I canceled so many times. She said she looked it up and-saw that havent used anything I was being charged for, so i got off the phone with her after 2hrs she told me that my refund will go directly back into my account in 3-5 business days this was XX/XX/2019 so i got the emails and went to the bank and it showed 2 electronic Digital Refund for One that was around XXXX $ and the other refund was for XXXX $ Then at the end of my the month they decided without contacting me they charged me again taking it out of my checking account. And i called ti asked what happened they just told me that they shouldve refunded me for the Laptop and other electric i told them that it wasnt on the statement as the computer. So i said thats fine but she should have known what to refund the day after i go to the back and because they took that money out if my account it cause me to overdraft. Cause when they did it it didnt have enough money in the account : then i called and complained. They told me what happened then i put money into the account and then when i got the statement for the next two weeks they took the items off refunded again yep i dont know why. Then called them again they said there wasnt money in the account so thats why they so the charge went through when i did I said ok now everything should be find right? They said yes the items are now paid for. Well then I started receiving letter telling me that i have not paid fir theItems so they just kept coming same charges but saying it wasnt paid fir.. now how is that possible i told them the man on the phone said sorry it got submitted to the credit company and he said he had the records that indicated that everything was now paid for but they kept coming every month that i got so tired of it and stopped using XXXX all together now the passed two months Ive been getting a charge fir XXXX $ from Lexington Law credit company . So now Im m trying to get them to stop charging me for a mistake of the employee that refunded the wrong items in the first place .. I was finally happy with my credit score but now this just keeps me From doing anything. Them workers at XXXX really messed my credit up and its been so stressful so please if you have any advice let me know thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, and so on.