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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate and Unlawfully Furnished Information on Credit Report Dear CFPB Representative, I am writing to formally dispute inaccurate and unlawfully furnished information that appears on my credit report. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. XXXX : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX  Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ( Also known as XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX I reviewed my Experian credit report on XX/XX/year>, and found the above items to be incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates, in accordance with 15 U.S.C. 1681 ( e ) ( b ).

Furthermore, 15 U.S.C. 1681i ( 5 ) specifies that if disputed information is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency must : ( i ) Promptly delete or modify the inaccurate or incomplete information in the consumer 's file, as appropriate. 
( ii ) Notify the furnisher of the information that the information has been modified or deleted. 
Additionally, under 15 U.S.C. 1681s-2, it is unlawful for a person to furnish any information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I request that the CFPB investigate these violations and take appropriate action to ensure my rights are protected. Please delete the inaccurate and unlawfully furnished information from my credit report and notify me of the results of your investigation in writing. 

Thank you for your prompt attention to this matter. 

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

Enclosed are three different complaints to all 3 major credit bureaus XXXX XXXX, and EQUIFAX. Advising them that I a am a victim of Identity thief and that i have filed complaints with the proper authorities, enclosed is a copy of the disputes and the identity theft victims complaint affidavits,. I am request that all accounts that have been reported be deleted. The following accounts and inquiries are a fraud .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are over 31 fraudulent inquiries on my credit report that must be deleted.

In accordance with the FAIR CREDIT REPORTING ACT the following accounts and inquiries have violated my rights based on 15 U.S.C. 1681 SECTION 602 a. STATES I HAVE THE RIGHT TO P [ RIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 STATES A CONSUMERREPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

I have not authorized nor given any written instructions to have any one furnish these accounts on my behave.
Product: Credit card

I have done business with american express, and the reason doing business with them was they service that they offer specially when it comes to charge that was unauthorized or a service that you were not satisfied they go a notch above and take care of the problem for you. obviously this was all nothing but lies to consumers and i am a perfect example to bring this to their attention that the same thing does not happen to anybody else. I signed with a company that they advertise money back guaranteed if you are not happy with their service ( XXXX tax relief ). I signed with ( XXXX tax relief ) and had it charged to my american express credit card and after two months i contacted ( XXXX tax relief ) and cancelled my services because they give me not even one true answer also contacted american express and told them about what just happened to me. the person on the phone was very nice and told me they are going to take care of this matter for me and i do not have to pay any of the charges to ( XXXX tax relief ) and i get my account credited. and i told my husband and all of my friends how great of service i got doing business with american express. two weeks after i looked at my statement and noticed that all the charges are back on my credit card also they let ( XXXX tax relief ) to charge few more payments to my account. afterwards i talked to a supervisor at american express and they were so rude and closed my account and told me i am obligated to pay their balance. until earlier today when i told a friend of mine and he told me i should make a complaint on this site and that is what i am doing now.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/XXXX identity theft report XXXX XXXX  REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 : XXXX XXXXXXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one 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: Credit reporting or other personal consumer reports

On around XXXX I called TransUnion, XXXX and XXXX to ask them to delete the accounts on my credit report because I did not give either companies consent to display that information according to 15 USC 1681 I am entitled to a right of privacy.They each told me they couldn't remove those accounts.
Product: Money transfer, virtual currency, or money service

I had previously attempted to resolve this dispute with TradeStation directly to no avail. I had a recently closed CFPB complaint which also ended in a denial. To summarize the situation : I satisfied the deposit and duration requirements and yet Tradestation is denying the bonus stating that I'm not entitled to a crypto bonus since I received a previous bonus for a separate securities account. Escalated, provided a screenshot of their own terms and conditions with no success.

Within days of the above complaint being closed I realized TradeStation altered their terms for the promotion. I contacted a helpful CFPB representative who informed me that I am welcome to file a new dispute if there is any " new information. '' Indeed, there is an update to this saga so here I am.

I will attach two files- one labeled " old terms '' and one " new terms. '' OLD TERMS : " Existing TradeStation Crypto clients are not eligible for this offer. This offer can not be combined with any other offers. Only one offer/reward is available per client on one qualifying account. '' NEW TERMS : " Existing TradeStation clients ( whether a client of TradeStation Crypto or Tradestation Securities ) are not eligible for this offer. This offer can not be combined with any other offers from TradeStation companies ( whether the offer was from TradeStation Crypto or from TradeStation Securities ). For example, a client who has previously received the benefit of a promotional offer from a Tradestation company is not eligible for this promotional offer because that client is an existying TradeStation client. Only one offer/reward is available per client on one qualifying account. '' Can you see the difference in clarity? Definitely necessary when you're providing two different products and two different promotions ( securities and crypto ).

When I applied under the old terms I was not an existing crypto client. A crypto account and a brokerage account are NOT the same therefore I'm not combining with any other offers. The fact that tradestation has two legal entities- one for crypto and one for securities - furthers this point. The old terms are as vague as the new terms are clear.
Product: Mortgage

The investor on my mortgage has been identified as XXXX XXXX XXXX XXXX see attached. Capital One purchased the corporate rights to XXXX XXXX XXXX, so they would effectively be the investor / owner. Capital One has denied ownership or any claim to the mortgage debt. Per CFPB rules and regulations, there must be transparency on all aspects of mortgage servicing and investor relations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Email : XXXX Cell Phone : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Dear CFPB, I am writing to formally request an investigation into TransUnion, similar to the investigations conducted on XXXX and XXXX. It is known that TransUnion 's practices may be causing even greater harm to consumers compared to the other two major credit bureaus. 
Specifically, I am concerned about TransUnion 's sham investigating practices, which have resulted in inaccurate credit reporting and significant financial distress for many consumers. These practices undermine the integrity of the credit reporting system and violate the rights of consumers to fair and accurate credit information. 
I urge the Consumer Financial Protection Bureau to thoroughly investigate TransUnion 's practices as It is crucial that all credit bureaus operate with the highest level of integrity to protect consumers and maintain trust in the credit reporting system.

TransUnions unwillingness to provide documentation of their investigation procedures used to verify their reporting. As a consumer, I have encountered significant challenges in obtaining transparency and accountability from TransUnion. 
Despite multiple requests for information on their investigation procedures, TransUnion has consistently failed to provide any documentation or clarity on their practices. Furthermore, I have experienced instances where access to the TransUnion dispute web portal was purposely blocked when I sought further information about their procedures. This lack of transparency and obstruction of access to dispute resolution tools is deeply troubling and undermines consumer trust in the credit reporting system. 
TransUnion maintains practices to keep inaccurate disputed information on record in order to keep consumers credit rating low in turn making a profit from the incorrectly reported status. 
Please take appropriate action to ensure that they adhere to the same standards of transparency and accountability as other major credit bureaus. It is essential that consumers have access to fair and accurate credit information and that credit bureaus operate with integrity. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am trying to setup an account with XXXX for investments purposes. My bank PNC changed some rules without my knowledge which does not allow me to fund my account with XXXX
Product: Money transfers

Replied to ad on XXXX, was rental home from my home town in XXXX SC, I wanted to rent it for my Daughter and grandson, was asked by Email and Text by XXXX XXXX XXXX to send half the Deposit and XXXX Months rent to XXXX XXXX in XXXX, Arkansas zip XXXX, his personal assistant, I did this, then he said his attorney said he had to get all of it before sending keys, I explained would not send all of it ... the agreement was he would send keys and as soon as my daugther received the keys and they fit the door I would immediately send him the full amt. Then he says his attorney said he can keep money until he has the place rented. I told XXXX that I would be contacting everyone including the police in XXXX Arkansas to return my money ASAP I wired {$770.00} to XXXX XXXX in XXXX Arkansas on XXXX reference # XXXX through money Gram at Walmart. It was sent from XXXX in XXXX Ga XXXX. I have all the Emails and Texts to me and my daughter Thank you for your time and help
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX XXXX XXXX informing me they have the information on my credit report corrected for XX/XX/2021. The same letter was sent to Equifax and they neve had information corrected.
Product: Student loan

Navient removed me from the Income Based Repayment plan in which I had been enrolled following graduation in XXXX. They stated to me that I no longer qualified for regular IBR and would be required to enroll in the Revised-IBR. 
- Representatives and even the Office of the Advocate refused to explain how the Revised-IBR works nor why I no longer qualified for Revised-IBR - My payments have been artificially high and with this new program my husband was made to share in the responsibility for my loans but his name is not on any of them - The last time I took out a loan was for the XXXX academic year so I do not understand why I am being subjected to these new rules - When they first rejected my IBR request in XXXX, after I had already been enrolled in the program, my payment was set to exceed {$1900.00} per month - I was under the impression that I have the right as a borrower to enroll in the program of my choice. They denied my IBR request. Being forced into the Revised-IBR without knowing anything about it further violated my rights because Navient should have been able to provide an explanation as to why they were denying my participation in the IBR and forcing me into the Revised-IBR I just learned about the Revised-IBR approximately one week ago, after two years of struggling to lower my payments and filing with you previously for assistance. I discovered that this program is for individuals who are in high earning fields with an expected income that will at some point near, meet or exceed the loan amount. That is not me. 
- I am a XXXX and I have no expectation that my income will even be a fraction of the amount of my loans because I have not been able to find stable work in my field - I have been consistently XXXX or XXXX since graduation in XXXX - The shared responsibility places an unduly harsh financial burden on my family because my husband is a XXXX. To pay both his loans and my loans requires that we choose between buying food and paying our rent or paying my loan because we can barely afford his - We have XXXX kids in college now as well so our financial situation has changed even further Navient has also stopped communicating with me and I am no longer receiving e-mails regarding my account. I did find a document on my account that stated that my loan would be going up to over {$2000.00} per month which is more than a paycheck but this document was not sent to me. Now, I ca n't even find that document on the site.
Product: Checking or savings account

On XX/XX/2022 I had an appointment at a Chase branch at XXXX XXXX XXXX, XXXX, GA XXXX to open a Checking Account on a email promotion I received from them. 

I went there with my wife and wanted to open up a joint checking account. The name of the bank representative was XXXX XXXX. ( NMLS ID : XXXX ). 

She was very rude from the start of the conversation. She asked where are we originally from. We told her we were from XXXX XXXX. She asked for ID 's and was taking a long time to process our info. Eventually she said I have no proof of address and I can not open an account with Chase. 

At that time I had a Personal Credit Card Account, Business Credit Card Account, Business Checking Account and 2 separate Business Credit Card Processing Accounts with Chase. I listed my accounts but she became visibly aggravated. She started raising her voice and had a condescending attitude.

She stated that the Business and personal side of Chase are 2 different companies and that she will not be able to open an account unless I can provide proof of address.

As both me and my wife had 2 ID 's with us and my new residence is in the name of my Wife, we offered to sign a lease agreement on the spot. She then said she does not have a piece of paper we can sign a lease on.

Then I asked if she can print a document I sent to her email. She replied that the branch printer was broken. 

After that I asked to speak with the Branch Manager but she refused and asked us to leave. I refused to leave and I stated I am a customer and I refuse to be treated this way. She got very angry at that point and started threatening to call the police if I don't leave. She was repeatedly calling me " You ( pause ) trash ''! 

I left. I later found out ALL MY ACCOUNTS ( Business and Personal ) had been closed by Chase. 

Moreover, while the investigation was ongoing Chase locked {$73000.00}. Out of this sum {$40000.00} were received by Chase while the account was closed and I did not yet know about it. 

They said they will do a internal investigation but I will not be notified of the outcome of that investigation. 

I have an excellent credit score over ( XXXX for the last 5 years ) and I never had overdrafts or suspicions transactions. 

I strongly believe I was discriminated and racially profiled based on my national origin and race. The evidence to this will be the email that I received from Chase confirming my address was in fact changed to my new residence while I was still in the branch. 

The language used was unacceptable. The excuse to not open an account is provable false. 


Chase case # XXXX Attached you will find : - XXXX XXXX XXXX XXXX - Promo Email - Copy of my final check - Copy of my last Statement - Address Change Confirmation Email - The email I sent XXXX with Lease Agreement
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been Deleted from my XXXX credit report due to company not being able to provide Purchase Agreement & Assignment Contract with wet ink signature binding both parties or 1099-C for cancelation of debt. Despite the Deletion from XXXX XXXX XXXX is still reporting to TransUnion & XXXX inaccurate balance, dates which moves the statute of limitations as well as other inaccurate information. This is a violation & holds grounds for deletion. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted. Also a 1099-C is required under IRS regulations for the cancellation of debt, and was never produced. These inconsistencies have effected my account severely and needs to be DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the date ( s ) I Sent out letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX