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

Demand for Account Blocking and Deletion under 15 USC 1681c-2 ( a ) To Whom It May Concern, This letter serves as a formal demand under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). I am a victim of the Equifax data breach, which compromised my personal information and resulted in fraudulent accounts being opened in my name.
Product: Bank account or service

Opened a bank account in XXXX with Citibank during a promotional period offering XXXX XXXX AAdvantage miles for opening a Citigold checking account with them and fulfilling certain requirements. These requirements were spending {$1000.00} in qualifying debit card purchases and one or more qualifying bill payments for two consecutive calendar months, with all requirements to be completed within sixty days of account opening. 

I completed these spending requirements presented in the offer on XXXX XXXX 2016, which I verified were met via Citi 's Customer Service by phone. The customer service agent told me that the the miles were supposed to post within 90 days. However, the miles never posted. 

I contacted the bank about the delay and was told via secure message that I was suddenly not eligible for the offer because I was not " targeted for the promotion '', even though I had used the promotion code during the signup and had their customer service verify that the requirements were met for my account with no one mentioning such a restriction. 

As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by Customer Service by XXXX XXXX 2016.
Product: Debt collection

USA Living has been harassing me and making threats to me of taking me to court for dept that I currently can not pay cause i just got out of the XXXX and told them that i am trying the best i can to find a jobs to pay but also feel i have been a victim as well. I know they been sued for there practice and i know they plan on using a XXXX court to do so knowing i can not make it. I need help.
Product: Student loan

Complaint against ; Riverwalk Debt Solutions XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX AND XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX REFERENCE # : XXXX TOTAL BALANCE : {$680.00} Dear Sir/Madam, I had a student loan in default and Riverwalk Debt Solutions contacted me that they could help me refinance it. I agreed and the terms were that I pay a monthly fee of about {$120.00} for a period of nine months and they would help me pay a minimal fee which was income-based. I made about XXXX payments and could n't afford it anymore because I was n't working. During the remaining months, I received no correspondence from them afterwards and the loan refinance was never started. A couple of months later, XXXX decided to help me refinance, which they were able to and I stuck with them. 
Now I have a bill from XXXX XXXX XXXX that I still owe Riverwalk Debt Solutions for the remaining months that I did n't pay before they started. Their argument is that even though they were not able to help me refinance my student, I still owe them because it was a contract. I feel scammed now and would need some form of assistance about how to deal with it. 
Thanks and looking forward to hearing from your office. 
Yours truly,
Product: Credit card

Bank of America charged an illegal right of offset for credit card payments that are past due. 

With this, they are breaking the law and regulation z, Federal law restricts the application of the right of offset, preventing federally chartered banks ( such as Bank of America, XXXX XXXX, etc. ) from using the right of offset to collect of delinquent revolving debts, such as credit cards.

They sent nothing in writing about this illegal transaction.

They took {$1000.00} and I now can not pay my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 my husband and I filed chapter XXXX. I sent a copy to Transunion asking them to fix their errors. I get a copy of our reports and all our good credit that was paid long before this is marked as bankrupt even through they are paid. They removed the XXXX from my husbands report as chapter XXXX when it was reaffirmed with the company. They are idiots and I can not seem to get them to correct it even with the copy showing what was involved. There was no open loans. Only credit cards and collection items. They even screwed me on the one open account I had and they were not even mentioned in the chapter XXXX. HELP ... ... how do we get them to report it right?
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the incorrect spelling of both my name and address as reflected in my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and Michigans Identity Theft Protection Act, Act 452 of 2004, I am requesting immediate correction of these inaccuracies. 

Correct Information : Correct Name : XXXX XXXX Correct Address : XXXX XXXX XXXX According to the FCRA 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate and up-to-date information. Additionally, Michigans Identity Theft Protection Act emphasizes that all personal information provided in a consumer report must be accurate and verifiable ( Section 445.72 ).

To resolve this issue, I have enclosed a copy of my government-issued ID and a banking statement that shows my correct name and address. Please update the necessary fields and provide me with an updated report once these changes have been made. 

I am also requesting that this letter be placed in my file to document that the inaccuracies were not caused by any fault on my part. Kindly complete this investigation and correction within the 30-day period as required by the FCRA. 

Should you need additional information, I am happy to provide it. Please notify me once the corrections have been made or if any further steps are required on my part.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 to be removed/updated.

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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and th
is information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Is someone looking into this Data breach with Equifax?! this is absolutely mind-boggling! I have called, because quite frankly, I do not trust their website. Their employees are poorly trained and they give out wrong information. Why ca n't Consumers opt-out of outfits like this? They could ruin my chance for a promotion at work, not to mention the inability to get loans, or refinancing? Please, can you do something for us? 

ALSO, EQUIFAX IS REQUIRING ANYONE WHO SIGNS INTO THEIR WEBSITE TO CHECK TO SEE IF THEIR ACCOUNTS HAVE BEEN COMPROMISED, THEY WAIVE THEIR LEGAL RIGHTS TO PARTICIPATE IN ANY CLASS-ACTION SUIT!!
Product: Credit reporting or other personal consumer reports

on XX/XX/. someone tried to apply for a credit card under my name. I am in the process of buying a home I never would have done this. I called XXXX and they immediately told me they denied this due to it being suspicious activity and that they would inform Transunion and XXXX. I told XXXX. XXXX reacted immediately and erased it from my credit profile. Transunion refused even after I sent them the letter and inquiry dispute just like they requested me to do.
Product: Mortgage

Wells Fargo XXXX XXXX Sales person ( XXXX ) intercepted my email loan inquiry from the sales person I had worked with before, citing she is more senior than he. I felt that was odd and unprofessional but let it go. 

XXXX immediately provided me with rates, terms and payments for my cash out refi needs, what she now claims was an honest mistake. Turns out the refi product that she sold me on and I immediately applied for doesnt apply to my state of residence of Texas . This is same institution ( Wells Fargo ) that holds my current home mortgage. Upon review, XXXX did advise me I need to apply immediately as rates are rising. Thats true they are. 

After emailing me detailed specifics of XXXX Adjustable mortgage to apply for with APR, Payment amount and terms. I applied and immediately was rejected citing that rate isnt available in my state and informed of a new higher Rate and 30 year term. A difference of hundreds of dollars monthly. 

She states it was a system glitch that allowed her to issue rate quotes that were actually invalid and she had escalated the matter to a corporate level within Wells Fargo. Im skeptical of this response for several reasons Ill share later. 

Long story short I feel misled and feel that the sales person was sloppy at best and its degraded my confidence in Wells Fargo. Whom I have banked with for over 20 years. Over that time Ive forgiven the many unscrupulous behaviors that have arisen but for some reason this one was a gut punch too many. 

Id like a full investigation into the practices by this branch and management. Something is fishy. 

Branch manager XXXX was non responsive. Requests for escalation were ignored.
Product: Student loan

I originally secured the loans through XXXX XXXX. I did not complete the degree due to the graduate school being unable to support my thesis ( 3 changes in advisorship ). I left and began working and filed a complaint regarding student program compliance with the Department of Education. They were not competent enough to effectively process my complaint and help me. I hired an attorney and received a slight reimbursement from the school : enough to pay my attorney bills. It then took me 6 months to find a job at XXXX XXXX. One year later ( XX/XX/XXXX ) I was part of a mass layoff, from which XXXX XXXX closed. Again it took me over 8 months to find a job. My next job was XXXX XXXX, for whom I worked for 2 years and then part of a mass layoff. This put me on unemployment for another 8 months ( XX/XX/XXXX ). In XX/XX/XXXX I was contacted by Navient and informed that my new monthly payment was over {$850.00} and that I faced wage garnishment. I filed a complaint with the Consumer Protection Bureau a ended up having my loans consolidated for a monthly payment of {$480.00}. This is still above my means. Due to hardship from divorce I have been placed on forbearance multiple times in XX/XX/XXXX& XX/XX/XXXX. I have just now learned of the Navient lawsuit and am shocked to learn that there were options other than forbearance. I have been paying my loans for years a now owe $ XXXX : my initial loan amount was $ XXXX. 

If there is anything that can be done to help me with this horrible lender for a degree I could not finish because the DOE and XXXX XXXX refused to address my original compliance issues that would be great.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX 2017 it was revealed that Equifax had been hacked almost six months prior to the date of the public revelation of the leak. My personal credit information was included within the leak, but I was not contact or made aware of this leak until long after the leak had occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Correct Personal information : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX, SC XXXX - Any other name variant of the name above should be deleted. 

- Any other address listed is not correct and needs to be removed. The above address is my residence.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$440.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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, credit repair services, or other personal consumer reports

Pleaseeee hellppp me and figure out why I have those accounts in my report. They are not mine but I am forced to file complains because otherwise I can not simply get rid of someone else accounts that are placed in my profile. This is ridiculous! I am very sad ... .. and its killing my report and my life planning .... Could you please investigate and remove them? I am hopeless that I can not do anything with wrong items in my own report ... Delete them after you make investigation.
Product: Debt collection

The collection company IQ DATA International claims we owe XXXX unpaid debt, which was already paid. We sent XXXX and XXXX the copy of the cashed checks along with the letter showing the amount owed, which was already paid. But the collection company and the credit bureaus refuse to acknowledge.
Product: Checking or savings account

I was given 2 checks from my job each check was {$7500.00} my account was blocked for fraud without any explanation
Product: Credit reporting or other personal consumer reports

Past two years I have had I have had problems with my My credit report, unable to establish credit being denied due to incorrect information. I have advised these counsel does not belong to me. These are incorrect. Which I was advised on the credit report, it falls under the fair credit reporting at I am a veteran of the United States 25 years and unable to receive credit I have made on times payments These accounts are still reporting in correct something needs to be done regarding this situation has been happening to now three years. The credit score range has to be XXXX as a veteran. My credit score is XXXX with attaching devices XXXX  boost Other recording devices Being XXXX XXXX XXXX, after being a veteran, I will was employed by the veteran affairs for the government who also works for veterans affairs to help all veterans XXXX  in need. I have an attach different companies who names and documents are reporting in accurately. These accounts does not belong to me. I requested history from these companies and only information they pull from credit bureau departments? Company names collections .XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX doesn't belong these are not mine accounts. COMPANIES CALL-XXXX XXXX XXXX XXXX I HAD OVER 16 years. ATTACHED DOCUMENTS PROOF these accounts never late paid on time. Once was reporting correctly notice huge change.LETTERS PRINT OUT. Company provided. Showing no late payments. ACCOUNT CALL XXXX XXXX. SOMEONE change my credit report without me being contacted .THIS ACCOUNT was paid OFF SETTLEMENT before Originally agree date notice charge credit reporting XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth XXXX. 
I have two addresses on my file that I never lived at these address, they belong to my EX-girlfriend I have nothing to do with any of these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please send me a new credit report.
Product: Checking or savings account

Debit cards repeatedly hacked, online purchases that are not mine. I continually have to dispute charges and cancel cards. PayPal hacked and multiple fraudulent charges, credit cards in my name that were not mine that went into judgement And letters saying I am rejected for cards I did not apply for. My info was leaked by the XXXX  XXXX  XXXX, hearing and appeals for XXXX probate. XXXX XXXX XXXX took {$2500.00} and PayPal refused to reimburse us for goods not received ; he is a con XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX Disputes Department, I am formally disputing the late payment entries being reported by XXXX on my credit report. These reported late payments appear to be inaccurate, unverifiable, or improperly reported, in violation of federal law. I request an immediate investigation and correction of these derogatory marks in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Accounts in Dispute * Loan ID XXXX ( reported as 90 days late ) * Loan ID XXXX ( reported as 30 days delinquent ) Legal Basis for Dispute XXXX. Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act ( FCRA ) : * The FCRA mandates that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If XXXX can not provide definitive proof of accuracy, these negative marks must be deleted. 
2. Violation of 15 U.S.C. 6801 Gramm-Leach-Bliley Act ( GLBA ) : * The GLBA requires financial institutions to ensure the security, confidentiality, and accuracy of consumer financial data. If XXXX reported inaccurate or unverifiable late payments, they have failed their legal duty. 
3. Violation of 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act ( FDCPA ) : * Under this law, consumers have the right to demand validation of any alleged debt-related reporting. I demand XXXX provide : * A full payment ledger with a breakdown of every payment applied. 
* A signed contract proving I agreed to the reported terms. 
* Proof that proper notice was given before any derogatory reporting. 
4. Violation of 15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : * The GLBA also requires proper disclosure of how consumer data is used. If there was any failure in notification or data security leading to inaccurate reporting, these late payments must be deleted. 
Request for Immediate Action XXXX must fully validate and provide documented proof of these late payments within 30 days. If XXXX can not provide clear, verifiable documentation proving the accuracy of these reports, I request the immediate removal of these late payment entries from my credit report across all bureaus ( XXXX, XXXX, and TransUnion ). 
Additionally, I request written confirmation of the investigation results and any corrections made. 
Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action for non-compliance with federal law. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XXXX, and I believe they have violated the Fair Credit Reporting Laws by not properly invesigating my dispute. They just marked my credit file as updated in less than 12hrs after I submitted the dispute. 

I ask that XXXX follow the law and rules and properly investigate my dispute to the fullest extent, I filed an identity theft report with the FTC, and i have attached it to this complaint as well. 

I also ask that Equifax follow the same suit with the dispute sent to them and because a XXXX has me blocked from submitting disputes via online I ask for them to open a dispute and investigate this matter as well. Failure to comply will result in me submitting further complaints