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

Dear SyncbXXXX XXXX XXXX  ( Bank ), I have composed this complaint based on Syncb/XXXX  XXXX XXXX  ( Bank ) furnishing information that is tarnishing my creditworthiness, emphasizing the necessity for both parties to operate in good faith. I have operated in good faith and will continue to do so. I expect Syncb/XXXX  XXXX XXXX ( Bank ) to demonstrate the same courtesy. Im going to take the time to educate Syncb/XXXX XXXX XXXX ( Bank ) on consumer laws since Syncb/XXXX XXXX XXXX  ( Bank ) claims that upon opening an investigation, Syncb/XXXX XXXX XXXX ( Bank ) could not find any proof of laws being violated. 

According to 15 USC 1681a ( f ), the term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Did you catch the part about engaging in whole or in part? I sure did. By the federal definition I have kindly provided, SyncbXXXX XXXX XXXX ( Bank ) is a consumer reporting agency furnishing my consumer information to third parties, including XXXX, XXXX, and XXXX, which are also consumer reporting agencies. XXXX, XXXX, and XXXX are third parties due to the simple fact that they are separate entities from I the consumer and Syncb/XXXX XXXX XXXX ( Bank ). 

Furthermore, since Syncb/XXXX XXXX XXXX ( Bank ) is federally categorized as a credit reporting agency under 15 USC 1681a ( f ), my written instructions as the consumer must be followed without further delay. The written instructions of the consumer trump all forms of permissible purpose. Let me reiterate, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving clear instructions to SyncbXXXX XXXX XXXX ( Bank ) to delete its inquiry from my consumer report. Furthermore, now that I have educated SyncbXXXX XXXX XXXX ( Bank ) on its proper legal role as a consumer reporting agency under 15 USC 1681i ( a ) ( 1 ) ( a ), SyncbXXXX XXXX XXXX  ( Bank ) has to launch an investigation into my dispute and disclose the results of the investigation no later than XXXX  days from receipt of this complaint. Failure to launch an investigation and follow my written instruction will be willful non-compliance under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), and under this provision, I am entitled to {$1000.00} per violation. Needless to say, SyncbXXXX XXXX XXXX ( Bank ) has racked up quite a few violations. I expect my written instructions to be followed immediately! I am fed up with SyncbXXXX XXXX XXXX ( Bank ) s actions that are directly affecting my reputation and creditworthiness. Let me remind Syncb/XXXX  XXXX XXXX ( Bank ) that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been giving me a hard time about removing hard inquiries that were fraudulent
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my XXXX XXXX identity theft report ( XXXX REPORT XXXX : ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the XXXX report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/24, I received a call from a man claiming he was calling from the Navy Federal : Fraud Department. I started seeing fraud alerts in my email. The man assured me he was going to resolve it, then walked me through the steps to transfer over the {$4200.00} to an unknown third party. He informed me this is what needed to be dont to restore the issue in my account, I then transferred the money and he was also going to order me a new debit card. The next morning I woke up and tried to go into my account and it was locked, I called Navy Federal on XX/XX/24, they said someone scammed me and committed fraudulent activity on my account. When I spoke to Navy Federal about the call they said they did not call me. I spent hours on the phone with Navy Federal trying to resolve what had happened. They said an investigation was going to be needed on my account. On XX/XX/24, I called to ask a status update on the investigation. They informed me it was denied, I did not receive any notice that the investigation was over, there was no communication. At this point XX/XX/24 I filed a security appeal form and sent this over to them explaining the situation. On XX/XX/24 I called them again to which they informed me my appeal was denied, I spoke to a manager who told me they could not do anything to help restore my funds and told me to try filing the same appeal again. This has consumed my last XXXX XXXX paycheck of {$2400.00}. There has been no communication from NFCU, I have to be the one to contact them for information entirely.
Product: Credit reporting or other personal consumer reports

This letter serves as formal notice that XXXX, have failed to properly investigate fraudulent accounts on my credit report. Despite multiple disputes, you have not provided legally required documentation verifying these accounts. I demand their immediate deletion. CFPB Lawsuit Confirms Experians Unlawful Dispute Handling The Consumer Financial Protection Bureau ( CFPB ) has confirmed that Experian engages in sham investigations and ignores legitimate consumer disputes, violating federal law. ( Source : CFPB, 2024 ) Additionally, the Federal Trade Commission ( FTC ) has reported widespread inaccuracies in credit reporting, further proving that Experian and other credit bureaus routinely violate the Fair Credit Reporting Act ( FCRA ) by failing to maintain accurate consumer files. Fraudulent Accounts That Must Be Removed Immediately : XXXX XXXX ; account # XXXX ; Legal Violations and Demand for Immediate Action Per 15 U.S. Code 1681e ( b ), you are legally required to ensure maximum accuracy in your credit reporting. Your failure to remove these fraudulent accounts violates federal law and subjects you to regulatory action. Additionally, under 15 U.S. Code 1692g, you must provide verified proof of these debts, including the original signed application or contract. Your continued failure to produce this documentation proves that these accounts are fraudulent and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax had incorrect information in our credit reports. We have been undertaking an extensive, multi-month process to get this information correct ; however, different financial institutions continue to receive wrongful information that is on our credit report. According to the FTC website we are entitled to a free copy of the corrected credit report once the investigation is completed and the wrongful information corrected ( from https : //www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports ) : " When the investigation is complete, the credit reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the credit reporting company can not put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider. '' Both Equifax and XXXX have failed ( thus far ) to provide us with these mandatory corrected reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can u please delete the 3 " Fraud hard inquiries ''. I know nothing about this new inquiry qt all. As i will provide documentation of the duplicate inquiries. I also froze my accounts and reported to the FTC for further security & Investigation measures. This was mproper use of my credit report of hard inquiries that i am unaware of and did not authorize. I was notified by MyFico & Credit Secure and myy bank thats someone accessed my info it was stopped the the XXXXXXXX XXXX Website Surveillance from my Bank. 

FTC Report # XXXX The XXXX unauthorized Hard Inquiries are listed below. 

Fraud Inquiries : XXXXXXXX XXXX XXXX ( BANK ) - XX/XX/2022 XXXX CARD SERVICES ( BANK ) - XX/XX/2022 XXXXXXXX XXXX ( BANK ) - XX/XX/2022 2022
Product: Student loan

I HAVE HAD STUDENT LOANS SINCE XXXX BUT IT WAS WITH XXXX XXXX AND SINCE IT CONVERTED WITH NAVIENT IT HAS BEEN A NIGHTMARE.FIRST IM GETTING CHARGED WITH LATE PAYMENTS WHEN I WAS IN SCHOOL AND SHOULD OF HAD IN SCHOOL DEFERMENT, ALSO I HAD OTHER STUDENT LOANS OUT WITH ANOTHER LENDER, BUT IT SEEMS AS NAVIENT HAS THERE OWN PREPARATORY FEES, RIDICULOUS INTEREST MORE THAN WHAT THE GOVERNMENT IS CHARGING. I DID N'T BELIEVE I OWE THE AMOUNT THAT THEY ARE SAYING, ALSO EVERY MONTH MY BILL GOES UP XXXX XXXX A MONTH AND IM ON INCOME BASED REPAYMENT PLAN OF {$0.00}. THIS COMPANY IS VERY MISLEADING IN PAYMENT OPTIONS AND INTEREST RATE AND UNETHICAL PRACTICES. THIS COMPANY REPRESENTATIVES ARE RUDE AND NOT IN THE BEST INTEREST OF THE CONSUMER JUST TRYING TO GET A PAYMENT.I HAVE TRIED TO SWITCH LENDERS AND I CANT, BUT I DID N'T ASK FOR THIS LENDER EITHER FEEL LIKE MY CONSTITUTIONAL RIGHTS ARE BEING VIOLATED AND POSSIBLY SEEKING THE ADVICE OF AN ATTORNEY ABOUT THIS MATTER. PLEASE HELP.
Product: Debt collection

Over the course of the last 15 years or so, a former friend ( XXXX XXXX ) used my identity to co-sign her student loan request through XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$26000.00} ( including additional cost for late fees and " penalties '' ) prior to current Federal Law and Statutes. XXXX XXXX dropped out of college, and refused to pay the loans. XXXX XXXX XXXX XXXX XXXX attempted to collect the debt from XXXX XXXX via multiple collection agencies but to the best of my knowledge, were unsuccessful, therefore they attempted to collect the debt from me as the co-signer. This negativley affected my credit report and score for many years, costing me thousands of dollars of unnecessary high credit percentages for any type of loans I required vehicles, appliances, among other necessity. Eventually, the collection agency filed a civil suite against me in order to collect the debt, therefore I had no choice but to hire and law ferm to assist with the counter suite against the collections agency/s in order to remove this derogatory info from my credit history/report costing me even more financial hardship. The entire suite took over 5 years to resolve, and the XXXX XXXX Court System dismissed the case due to the Creditor and Collection Agencies failure to appear in court. Since then, I have spoken with XXXX XXXX XXXX XXXX 's managers/staff and they have been advised on multiple occasions that " THIS IS NOT MY DEBT '', and " I DO NOT OWE THEM ANYTHING ''. Furthermore they have been advised, as well as MRS BPO LLC to stop contacting me in any form about this debt, but they continue to send letters to a former address ( XXXX XXXX XXXX, XXXX, KY XXXX ) where I no longer reside.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. The XXXX XXXX XXXX is incorrect. 
XXXX XXXX Account Number : XXXX Please update payment status to current. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 


Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

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

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX SSN : XXXX | XXXX : XX/XX/XXXX Trans Union XXXX. XXXX XXXX XXXX, XXXX XXXX I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this letter. 


Sincerely, XXXX XXXX
Product: Student loan

I called this Loan to Learn this morning to inquire about a forebearance and yo discuss past due amount. They transferred me to their loan servicing department at XXXX. The rep there was able to tell me how much was past due and how long, etc. However, she did not provide a lot of information about how we could work together. I asked about a payment plan and if they could work with me, the rep kept asking me how much I could pay. I told her the issues I was having and I would n't really know until XXXX. No payment plan was offered, the rep said it was ultimately up to me how much I wanted to pay and that I would still be reported to the credit bureau for delinquency. I am not sure how to get them to work with me, other then have them send me forebearance paperwork.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been affected by the Equifax data breach, which exposed sensitive personal information without my consent. As a result, I am concerned about the potential misuse of my personal and financial data. I request your assistance in ensuring that Equifax is held accountable and that appropriate measures are taken to protect affected consumers like myself from identity theft and financial harm. Additionally, I would appreciate guidance on steps I should take to safeguard my information and mitigate any potential risks arising from this breach.
Product: Credit reporting or other personal consumer reports

I was affected by the Equifax Data Breach and these accounts listed are fraudulent along with hard inquiries I have attached a report I filed with the identity theft.gov I need these accounts removed and inquiries removed immediately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

This is a complaint following my previous complaint : XXXX. I applied an Amex XXXX XXXX XXXX in XX/XX/year>, and Amex promised XXXX membership rewards after I spent {$10000.00} more. However, Amex refused to give me the rewards and said I am not eligible. 

I have read Amex 's response carefully, and did not believe Amex told the truth : 1. Amex said " We advised you were ineligible '', which is not true. I did not see the notice during the application process. As a reliable company, Amex should keep a record about this. However, all I was told was " we have a standard process ''. Did Amex check if there was technical leakage and their logs?

2. Amex said " We did not find that this offer was rescinded as a result of you advising that you would be filing a regulatory complaint as you indicated in your complaint. '' The customer service person clearly told me " If I filed a complaint, Amex will not give me that offer ''. Otherwise, there is no reason I would reject the offer ( if you consider the offer is kind of free rewards ).
Product: Checking or savings account

As previously described in my complaint from XX/XX/XXXX No : XXXX I opened a new Business Checking account on XX/XX/XXXX, and submitted XXXX transfer. The account is opened with an active offer that includes a {$2000.00} bonus with a {$200000.00} deposit maintained over 60 days I maintained a balance XXXX for more than 60 days in order to earn this bonus. This was confirmed as below by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I discussed this issue with XXXX XXXX XXXX, a banker at the Citibranch where the account was opened and the ticket was created. 

Citibank eventually responded that I did meet the requirements and that the {$2000.00} reward bonus will be paid out after I submit W9. 
I submitted the form immediately, subsequently, I received a couple of phone calls reassuring me that the funds will be paid by the end of XXXX. 
Currently, almost 2 months later the payment has not been made yet. 
In total from Opening the account in XX/XX/XXXX and depositing $ {$200000.00} and meeting the bonus requirements by the beginning of XXXX, it has been 6 months that Citibank did not fulfill the obligation of paying {$2000.00} to the account
Product: Checking or savings account

I received a form letter from Citi Bank by XXXX delivery, dated XX/XX/2019. I received this letter mid XXXX. The letter, I hope I can attach for you, states I must respond to the demand on the letter before XXXXXXXX XXXX,2019 or my accounts could or would be blocked or closed. I went into my local branch, which is Citibank XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. 
I made appointment with him for XX/XX/2019. He told me they would need a copy of my trust as this was required for a trust name on account. 
I asked at the appointed date and time what this was all about and he said it was new Federal mandates or laws. I have not heard of any new federal laws, nor has another bank I have, asked for this type of information from me. he said they were looking for money laundering etc. Not sure what that has to do with my small bank account as I only keep low amount of money in this checking. He did ask me how much money I had in the account. He has that information at his fingertips. 
He took my trust and made copies of several pages of my trust and then wanted my drivers license to make a copy of it also. He then wanted to know the name of the law firm that drew up my trust. I gave him the name and he googled it for their phone number. I told the XXXX this seemed like a complete invasion of my rights and privacy and he agreed it was but that was all. Then he made a call to someone and said he had to go to back room to get a email from some office. He came back to me and said they required more questions answered and I became alarmed. 
He asked what my income was and I said thats none of your business and that was all the questions I was answering. I felt like a criminal as he was treating me like a police officer would question a criminal. I got up to leave and he said your accounts will or could be frozen and if I had auto pay pulls, those would not be filled.