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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft!! Please delete these items as soon as possible! 

*XXXX 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 accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vie rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding an item on my credit report that contains inaccurate account information. Despite my repeated attempts to dispute this item and request validation of the debt and the original agreement, it remains on my credit report without any evidence of validation from XXXX, Transunion, or XXXX. 

Account Name : XXXX XXXX Account # XXXX I have diligently followed the proper procedures to dispute this item by submitting written requests and providing supporting documentation. Regrettably, my efforts have been met with silence, and I have not received any validation or response regarding the validation process undertaken by the credit reporting agencies involved.

Therefore, I am formally requesting verification of how this debt has been validated and a detailed breakdown of the procedure that was taken to validate it. It is imperative that I understand how this debt was verified, as it directly affects my creditworthiness and financial standing.

In accordance with my rights under the Fair Credit Reporting Act, if this debt can not be adequately validated within the specified timeframe, I demand that this account be immediately removed from my credit report. Continuing to report inaccurate and unverified information is a violation of my consumer rights under 15 USC 1681.

I trust that you will take this matter seriously and promptly address the inaccuracies in my credit report. I remain hopeful that we can resolve this issue amicably and without the need for further actions.

Please provide the following information : 1. Documentation validating the existence and legitimacy of the debt, including the original agreement or contract.

2. A clear explanation of the steps taken by your agency to validate this debt, including the date and method of communication with the creditor or debt collector.

3. Any correspondence or records exchanged between your agency and the creditor or debt collector during the validation process.

Should you fail to provide satisfactory validation of this debt within the specified timeframe, I will have no choice but to exercise my rights under 15 USC 1681 and pursue appropriate legal action to protect my consumer rights and seek redress for any damages caused by the inaccurate reporting.

I expect a prompt response and resolution to this matter. Thank you for your immediate attention and cooperation. 


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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; 1 XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I applied for a CIticard on XXXX XXXX. They could not verify some information so they did not approved me but called me from two different numbers with instructions to call them back. The first number they gave me was XXXX and they gave me access code end in XXXX. When I called back the automated system could not connect me to anyone despite waiting a long time and then told me no one was available and disconnected me. They called another time from a different number and also left a message for me to call XXXX with my application ID and a security code. When I tried to call them the recorded message said they could not approve me, which was why I was calling, told me they were sending a letter and then disconnected me. At no time on either call did I get the chance to speak with a human to clear up the issue. This is horrible customer service and may be a great reason not to use Citicard for anything in the future. However they have now put an inquiry on my credit which will reduce my score and the reason they couldn't approve me is because they are confused about something. Clearly confusion reigns supreme at Citicard! This was likely due to a recent move so they wanted to confirm my address but I can't do that unless I speak to someone! This company is misleading the public and has terrible customer service.
Product: Credit card or prepaid card

I recently applied to a Citi XXXX credit card. I was denied for no reason and no explanation, which makes absolutely no sense. I have a 780 credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Citi XXXX is the right choice for myself. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.
Product: Mortgage

Between XX/XX/XXXX and XX/XX/XXXX, Navy Federal Credit Union ( XXXX XXXX NFCU or financial institution ) instantly rejected a personal loan application, rejected review of the loan application twice, and upon resubmission of the loan application, rejected it again, 4 times in all. The NFCU subjected me to a XXXX  loan application process just to obtain a revolving credit option on my accounts, back-watered me into overdraft, availed only overdraft protection service, for fees, and denied access to another person opening an account if such person is associated with me in such a way as to qualify for membership alignment with the membership service requirements established by the National Credit Union Association ( NCUA ) .

Past Incidents This is not the first time that NFCU has denied me service, as prior to XXXX the NFCU denied me access to my accounts because I presented a XXXX  identification card instead of a State issued drivers license even though I am a XXXX XXXX. 

Detrimental Effects As a result of these denials of service, I am restricted in access to financial services to obtaining the very bear minimum the that the NFCU XXXX be required to provide, with no options for financial maneuverability, a necessary element in being banked, and I must seek being banked through other financial institutions. The chain reaction from such other institutions is to view me with suspicion of I attempt to do anymore than the minimum from them because I am a XXXX XXXX. 

Latest Incidents The NFCU denied the personal loan based on specious grounds including refusal to apply or even consider my Veterans Home Loan Guarantee, and because of, according the NFCU, the NUMBER OF MONTHS SINCE OLDEST INSTALLMENT CREDIT ACCOUNT WAS OPENED even though it is the NFCU and its employees themselves who refused to avail to me access to my account so that I could engage the very services they avail to the public. 

Related Actions While sitting in the bank to attempt to submit documents to review the loan application denied, I discovered that the NFCU has been sued before for XXXX discrimination on loan services, discriminating against XXXX, so this is an ongoing systemic issue with this particular financial institution. Obviously, NFCU has learned nothing from its previous and most recent litigation affairs.
Product: Debt collection

XXXX XXXX XXXX has repeatedly called me for almost 8 years, as well as mailing threatening letters. This is in regards to an electric bill debt with XXXX XXXX, OH from XX/XX/2008. They call with various out-of-state phone numbers. When I block one, they just call with another. Lately, they have called me almost daily from XXXX. They have called from this number 10 times already this month. This is harassment on a debt that is 10 years old and I would like all communications from this company to cease.
Product: Money transfer, virtual currency, or money service

I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX and XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward.

I contacted PayPal support, who has been unable to resolve this issue.

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Maryland XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Regarding Improper Re-Addition of Account Dear Equifax, I am writing to formally dispute an error on my credit report concerning an account that was previously removed but has been improperly re-added. This account, opened on XX/XX/XXXX, is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

From my records, this account lacks data reported for almost two years ( XXXX ), which further indicates its improper use and reporting. If an account is removed from a credit report, it should not be re-added without proper notice and justification, which did not occur in this case. This practice is detrimental to my credit profile and violates my consumer rights. 

I kindly request that this account be removed entirely from my credit report to reflect accuracy and fairness. Please conduct an immediate investigation into this matter and provide a written response regarding your findings and actions. 

Attached are the necessary documents to support my dispute, including : 1. My personal identification ( if needed ).

2. A copy of my credit report highlighting the account in question.

3. Relevant account details and payment history discrepancies.

Please let me know if further information or clarification is required. You can reach me by mail at the address above. I look forward to your prompt resolution of this matter. 

Thank you for your attention to this dispute. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XXXX ( XX/XX/XXXX ) Experian Experians XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on it. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. Ive also read something called the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well, I need this account deleted from my credit report if this information isnt XXXX percent correct. So, could you please check on this account and get back to me! Ive done some research and you have within 30 days to complete a full investigation on this matter. Please investigate the following account and remove anything is missing or not correct them. 

I Demand the following account be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX Account Number. XXXX ~Verification Needed~ Cancel Contract. Please provide the original contract or delete it I also read where I can get an updated report after you investigate my case. Could you please send it to me? Also, please let me know who had access to my file as well. I would like all the investigation outcome to be sent to my address I have documented. Ill be looking forward to your email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all 3 credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from XXXX on the countless requests.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, TRANSUNION and XXXX credit report and found the following accounts listed as late payments on my credit report on top of the inaccuracies : Account # : XXXX Account # : XXXX Account # : XXXX Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THESE ACCOUNTS AS LATE.

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is *EXCLUDED* FROM FURNISHING AND REPORTING.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to ( transactions or experiences ) between the consumer and the person making the report ; A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH.

*DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY.

*DO NOT DELETE THE ACCOUNTS.

Failure to respond satisfactorily with deletion of the above referenced account, 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 : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 USC 16811n Negligent Enablement of Identity Fraud I will start a complaint with FTC and will reach out through proper communications.
Product: Checking or savings account

On XX/XX/XXXX, I got gas a XXXX in XXXX, Ga. I purchased my gas at the pump. I either dropped my card or left it at the pump because I was on the phone with my manager at the time. On XX/XX/XXXX I was at home and woke up around XXXX and was going to check my direct deposit and noticed that {$850.00} in fraudulent charges were deducted from account. I immediately locked my car via the XXXX XXXX and chatted online with a representative and she instructed me to contact the local branch. I immediately called the branch around XXXX and spoke with XXXX XXXX who instructed me that she would file the claim on Saturday once the charges had posted. The claim was pulled and the investigation started on XX/XX/XXXX. I called the bank on XX/XX/XXXX and to my surprised the claim was denied because a pin was used. I have never given my pin out to anyone. So, I got details of the transactions and conducted my own investigation. Not to my surprise one merchant allowed me to see video footage and a purchase made at XXXX in a totally different city from where I live. Not to mention I did not wake up until XXXX. I immediately filed 2 reports because charges were made in different states. I am filing this complaint because the bank refuses to reimburse my money that I have worked hard for especially during COVID. Now that the bank refused my claim, I now can't provide my family with a Holiday meal because the bank refused to give me my money back. What is the purpose of banking if there are no protections for account holders after the fact. Hence why there is FDIC coverage. Regions Bank has not protected me as an account holder.
Product: Mortgage

On XX/XX/XXXX started to receive emails from Carrington Mortgage to Refinance my mortgage with them. I declined. On XX/XX/XXXX I received 2 more emails and a phone call. Declined both requested for them to stop. On XX/XX/XXXX received 3 more emails. Requested them to stop. On XX/XX/XXXX they started calling random family members of mine that are not on any of my mortgage documentation to get to me. Requested them to stop again. 
This has been a nightmare of harassment to me and my family members.
Product: Student loan

I graduated XX/XX/XXXX. I have not yet found employment. I am also in the process of filing for XXXX ( due to many physical and mental ailments ). Navient, formerly XXXX XXXX, will not work with me to XXXX monthly payments affordable. They are choking my families finances. We are not able to keep up with all our bills and pay these astronomical student loan payments.
Product: Credit reporting or other personal consumer reports

My account with XXXXDEPT OF ED was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX/DEPT OF ED never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports