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

I have sent Transunion, XXXX, And XXXX my identity theft Claim. They are furnishing student loans on my reports that are identity theft and i also never given written permission for these accounts to be furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT AND XXXX, XXXX XXXX TRANSUNION HAVE BROKE THE LAW This isnt fair to me and i am losing faith in the system and if these companies want to continue doing business with me, Then they need to remove these accounts off my report. 

I am attaching my identity theft report and my letters that were sent.
Product: Credit card or prepaid card

My daughter XXXX obtained this credit card in 2016. The limit was XXXX. She only spent 80 ( approximately ). She had a medical issue and ended up in the hospital. During this time she made a total payment of XXXX.This still was not enough to bring the balance down. The total balance is currently XXXX, with the majority being late fees and finance charges. 

We called them and although they were willing to remove some of the late fees she was still responsible for paying XXXX via a payment arrangement even though we can demonstrate the she was legitimately in the hospital.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the noXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My husband has co-signed for my daughters student loans through Discover for 3 1/2 years. She has 2 semesters left and Discover has denied my husband, myself and dad the ability to be a co-signer. All have good credit and both my husband and dad have accounts with Discover that are current, and the FICO scores on each of their statements indicate they have good credit scores. 
I have called Discover and they can not tell me why all XXXX co-signers have been denied. I feel it may be related to a personal loan request, in which they denied my husband, but offered my dad and he refused after they kept losing his paperwork. If this is the case I am not sure why they even offer student loans. The loan is in my daughters name and her responsibility, with the understanding we will pay the loan if she defaults. We also had the understanding that no payments were necessary until after she graduates. I am in the process of paying off my student loan and then we were going to start paying on hers when mine was paid. 
I feel Discover owes my daughter an explanation as to why suddenly they can not offer her a loan. She has done absolutely nothing wrong in this matter. She is just trying to complete a degree so she can attend graduate school. 
I have contacted them over the phone and each time I just end up with a customer service representative who reads from a screen. Discover does not live up to college loans services as they advertise and I hope this incident can put them back on the right path.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working with Experian for over a year, now. Trying to get my credit cleared of Collections and medical bills. After so long I finally started to get the collections and medical bills taken off my report and I finally got all collections off my credit file. Then a few months later I was on experian and the collections reappeared. Ever since then XXXX work on continuously to get them removed.
Product: Credit card or prepaid card

I have a Citibank card, and on that card, I had a 0 % APR offer on purchases and balance transfers. I have 4 months left on that offer ( exp in XXXX ). I was then offered a flex loan with my Citibank card on available balance and chose an offer with a 10.99 % APR and 48-month terms to payoff ( 48 payments ). I accepted terms and received the loan. This last weekend, I made two payments on my account. One for the non-flex loan 0 % APR balance, and the other to pay the flex loan amount. I then cancelled the second payment for the flex loan, to keep that loan contract valid. I also accepted a second flex loan plan on the amount I freed up by making first payment. Account status should be at that time, 2 flex plans with separate terms and APRs attached, and {$0.00} balance on the APR purchase/transfer portion of my account. Account overview : Once the 0 % APR portion of my credit card balance for the offer, changes at term expiration, it will change to around 20 % APR. Now, after cancelling the 2nd payment, Citibank has allocated my first payment to the flex loan and not the 0 % APR. My account now has a balance with the higher APR rate attached, no original ( first ) 48-month flex plan which says it is paid off, as well as the second flex plan, which I accepted this weekend. My issue is this is a bait-and-switch or misinformation issue. Citibank offers a flex loan with monthly options of payback at 12, 24, 36, 48, 60 months and APR attached, but then treats the loan as a credit card purchase and pays the account based on APR percentage from highest to lowest. I have a regular purchase balance with APR attached, and I have a loan with its own terms, yet they treat these as % based items, and allocate funds accordingly. I request my original flex plan reinstated. I should have 2 flex plans now, equaling almost {$13000.00} with 48-month terms and payment plans attached. I should have no balance on my account associated with purchase or purchase APR. My monthly payments should be {$130.00} and {$200.00} totaling {$340.00} for next 48 months. Please help me get my account back to this state.
Product: Credit reporting or other personal consumer reports

I have fraudulent addresses on my credit report : A ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX The one and ONLY correct address for me is XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. Please see my documents in the attachments. Also please update my phone number and email. My current phone number is ( XXXX ) XXXX. My email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Got these 2 Hard inquiries on my XXXX Credit report with out my permission on XX/XX/2018 1 ) Capital One 2 ) XXXX XXXX XXXX I want to dispute these 2 Hard inquiries. please help me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request XXXX XXXX XXXX XXXX, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from XXXX XXXX XXXX XXXX. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. 

I believe XXXX XXXX XXXX XXXX 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of XXXX XXXX XXXX XXXX with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that XXXX XXXX XXXX XXXX be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.
Product: Checking or savings account

XXXX XXXX  took money from my account and Wells Fargo allowed it
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US 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

I just looked at my credit report from TransUnion XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose XXXX. Name of inquiry : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b. 

XXXX. Name of Inquiry : XXXX  DATE : XX/XX/XXXX This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b XXXX of Inquiry : XXXX XXXX  DATE : XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

XXXX gym had a membership of of which I sent certified letter stating I was relocating and would not be close to a gym. They never accepted the certified letter. A few months ago a collection agency is attempting to exhort me for {$290.00} or damage my credit. They don't even have the correct information.
Product: Checking or savings account

THIS IS THE FINAL DEMAND NOTICE TO REMOVE MY 2 ACCOUNTS FROM XXXX THAT CAPITAL ONE BANK IS NOT IN COMPLIANCE WITH THE FCRA. I AM DEMANDING THAT ACCOUNT NUMBERS XXXX AND XXXX BE REMOVED FROM XXXX AS PER VIOLATION OF MY CIVIL RIGHTS AND FCRA. ENCLOSED I HAVE ATTACHED DOCUMENTS THAT SUPPORT MY CLAIM. ACCOUNT ENDING IN XXXX WAS REPORTED AS A CLOSURE TO XXXX ON XX/XX/XXXX AND PAID IN FULL ON XX/XX/XXXX. ACCOUNT ENDING IN XXXX WAS REPORTED AS A CLOSURE TO XXXX ON XX/XX/XXXX AND PAID IN FULL ON XX/XX/XXXX. HOWEVER THESE ACCOUNTS WERE NOT CLOSED ON THE DATES REFERENCED ON THE REPORT. I RECIEVED REPLACEMENT DEBIT CARDS WHEN THEY HAD EXPIRED AFTER XX/XX/XXXX AND XX/XX/XXXX. THE ACCOUNT ACCEPTED A XXXX DEPOSIT ON XX/XX/XXXX. TO RECIEVE DEBIT CARDS AND XXXX DEPOSITS AFTER THEM DATES INDICATES THE ACCOUNTS WERE NEVER CLOSED. IN ADDITION, I CALLED CUSTOMER SERVICE ON XX/XX/XXXX AND SPOKE TO CUSTOMER SERVICE AND WAS ADVISED THE ACCOUNTS WERE IN A DORMAT STATUS AND THAT A DEPOSIT WAS NEEDED TO MAKE ACCOUNTS ACTIVE AGAIN. I HAD TO REQUEST THE ACCOUNTS BE CLOSED. THE REP SUBMITTED THE CLOSURE REQUESTS ON BEHALF TO THIER BACK OFFICE. I HAVE ATTACHED THE PROOF THAT THE ACCOUNTS WERE CLOSED ON XX/XX/XXXX. THEY WERE CLOSED LATER THAT AFTERNOON. I CALLED CAPITAL ONE ON XX/XX/XXXX AND SPOKE WITH A REP WHO ADVISED THE ACCOUNTS WERE BOTH OFFICIALLY CLOSED ON XX/XX/XXXX. SO TELL ME HOW IS IT LEGAL TO FALSIFY CLOSURE DATES AND REPORT THESE ACCOUNTS WITH INTENT TO HARM ME WITH MALICE. I HEREBY ORDER CAPITAL ONE AND XXXX XXXX TO REMOVE THESE IMMEDIATELY, OR I WILL SEEK A MONETARY LAWSUIT FOR SUCH NEGLIGANCE
Product: Mortgage

We have tried for a full month plus to refinance our home loan. After signing all documents and supplying required documents we did not hear back from our lender XXXX XXXX XXXX # XXXX. We had left several message and sent several emails asking for updates and a few questions. Each time we were told that the message has been sent up to her management team and still nothing. I would not work with XXXX XXXX for lack of communication as well as lack of organization during a loan process.
Product: Mortgage

They were asking for closing cost even before I found the house. I was just trying to get a pre approval
Product: Money transfer, virtual currency, or money service

I have had a pending digital asset deposit worth a lot of money stuck in limbo for a very long time. The exchange ( XXXXCoinbase ) refuses to respond to my messages and I can not get in contact with customer support about this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : This account is being reported as charged off with a balance still due, which isnt accurate. Its really frustrating to see this, and Id appreciate it if you could provide proof of the charge-off. Please either update the balance to {$0.00} or remove the negative payment status, as its affecting my credit. 

Account XXXX : XXXX Account XXXX : XXXX Reason : The 60 days past due status is incorrect, as the balance is {$0.00}. This error is causing stress, and I kindly ask for it to be corrected. Your help is greatly appreciated. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments on this account, as they dont seem accurate. Its really frustrating and stressful to see this, and I kindly ask for statements and records of all payments made and missed since I opened this account. Your help in clearing this up would mean a lot. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : This account is being reported as charged off with a balance still due, which isnt accurate. Its really frustrating to see this, and Id appreciate it if you could provide proof of the charge-off. Please either update the balance to {$0.00} or remove the negative payment status, as its affecting my credit. 


Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : I dispute the missed and late payments on this account, as they dont seem accurate. Its really frustrating and stressful to see this, and I kindly ask for statements and records of all payments made and missed since I opened this account. Your help in clearing this up would mean a lot. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments on this account, as they dont seem accurate. Its really frustrating and stressful to see this, and I kindly ask for statements and records of all payments made and missed since I opened this account. Your help in clearing this up would mean a lot. 

INQUIRIES : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please look into this matter as soon as possible and update my credit report with accurate information.
Product: Credit reporting or other personal consumer reports

Experian refuses to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. Experian has XXXX on my report that is attached to an address that does not belong to me which again is a violation of 15 USC 1681. Experian received their information for XXXX from public records without checking the accuracy the accounts which I know because the courthouse that is listed does not share information with the credit bureaus as shown in the attachment. Experian also has an inaccurate account reporting from XXXX XXXX XXXX. This charged off/closed account has never sent a 1099 for the debt they are claiming has been paid, therefore the validity of this account is inaccurate and violate the following : FCRA 611 ( 15 U.S.C. 1681i ). This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the closed account is inaccurate, I request that it be removed from my credit report immediately. If the furnisher can not provide a 1099 within XXXX days, it must be deleted. FCRA 605 ( 15 U.S.C. 1681c ) ** : According to this section, negative information must be removed from a credit report. If this collection account is older than the allowed reporting time frame, it should be removed. FDCPA 807 ( 15 U.S.C. 1692e ) ** : The **Fair Debt Collection Practices Act** prohibits the reporting of false or misleading information by debt collectors. If the account is not verified by the original creditor or if there are inaccuracies, I demand its immediate deletion under this provision. Unverifiable Debt : If the credit reporting agency and the public records can not provide valid documentation and proof of this debt as required by **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors are legally obligated to report accurate information, and failure to verify the XXXX and closed account should result in its deletion.These are all violations of XXXX5 USC 1681 and Sections 609 & 623 of the FCRA. I've attached a current bill with my correct address on it along with proof that Experian did not get its information from the courthouse listed on the XXXX.
Product: Debt collection

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$6800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$3400.00} XXXX BANK XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX : {$3400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My address information I had been living in XXXX XXXX XXXX XXXX NJ for 15 years.Between XXXX to XXXX. 
Also a lot soft inquiries that NEVER happened : All XXXX XXXX All XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All XXXX Make no sense.. I am really careful about no make any extra damage applications
Product: Credit reporting or other personal consumer reports

This was my follow up regarding my previous complaint dated XX/XX/XXXX. It has been brought to my attention that you are NOT removing items when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA, if you choose to not remove the following items listed below which are reporting inaccurately due to misrepresentation in my credit report, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are inaccurate & were opened without my consent or knowledge : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4600.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from a faulty credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Payday loan

The company is castlepayday loans. They pull {$350.00} every other week and when I called to complain about them taking the money out on Thursday when I do n't get paid until Fridays. They told me that the money they took out of the bank account 4 times was for the interest only and not the principal for {$1000.00}. Please let me know what I can do. The loan was processed on XXXX.