23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I attempted to access my account at Citi.com so that I could pay my balance. I have n't used the card in a while and could not remember my password. Their online password reset sequence asked for my full credit card number, the security code, and answers to my security questions. I could not remember the answers to my security questions. 
I called them and spoke to a representative. He asked me for all the same information and then told me he could not reset my password unless I could answer the security questions. Typically, prior to this point, I am offered the option to email me a password reset link. He said that was not possible. 
I finally asked him to send me a paper bill so that I could pay my balance. He again asked for my personal data. 
I am concerned about identity theft, since I gave them the PAN and security code at least XXXX times ( XXXX online and XXXX on the phone ). Also, not being able to access my account electronically at all is bad business and unacceptable to me. 
1. Should I be concerned about this? 
2. How will my FICO score be affected if I cancel this card? 
Thank you very much. 
Regards, XXXX XXXX XXXXXXXXXXXX
Product: Credit card

I've gotten numerous emails from " Concora Credit Inc '' under the names of a few different cards, " Destiny '' " XXXX XXXX '' " Milestone '' " Concora '', and on some they said I was given a credit card, enrolled in paperless statements, credit protection and the like, I called and told them I never applied, nor do I want a credit card from them. They claimed they would close the account and report " fraud '' ... then proceeded to send me several more emails claiming I requested to open more accounts. On none of them do they have my current address, but it seems they have my name and apparently my email address? I have asked them before and they keep sending me emails claiming to be attempting to open accounts without my consent. PLEASE HELP! I can forward some of the emails that I haven't yet deleted if necessary. I am concerned they will eventually do something worse than opening accounts and sending me emails, all of which is damaging my credit by them continuing to open accounts in my name.
Product: Debt collection

I submitted a complaint with the cfpb last XXXX. In the complaint i explained that the debt was not mine and for them to show me proof that it was mine and I was requesting validity. They responded on a reply they were sending proof of validation which I never received. I then sent them a certified letter on XX/XX/XXXX XXXX requesting to send me proof with a signed contract, my most recent purchases, and how this bill came to be if they claimed they owned the debt. I have since gotten no response and the item still remains on my credit reports. If they can show me certified documents within 30 days of my request please have them upload their proof, if not then this to be removed off my credit reports immediate. Furthermore, I have not only attached proof of my certified request, but also a settlement that was made on this claim in 2018 with Client Resolution Services which was for {$300.00} and XXXX XXXXXXXX XXXX XXXX  XXXX marked the account settled on my credit report. All I want is for this entry to be deleted so I can get on with my life. During these times for a company to continue to harass you over something that they cant even claim I owe them is disturbing.
Product: Credit card

On XXXX XXXX I called Customer Service and had to request to speak with a manager because the Representative was inept. I respectfully request the removal of Late fees from my AAA Visa Credit Card. I was charged the following late fee : XXXX XXXX {$30.00}, XX/XX/year>, {$41.00}, XXXX XXXX. In speaking with the Manager, XXXX, she explained that the late charges were results of payment being made late. I pushback stating that my Payments were made on XX/XX/year> {$200.00}, XX/XX/year> {$260.00}, XX/XX/year> way before the due date and much more than the minimum. She stated that I needed to make my payment after the statement closing date and before the due date to avoid late fees. I requested the regulations and policy that reflect this late fee charges. She stated that it on the statement at the statement closing date. I reviewed the statement closing date which had no information advising me to make my payment after that date. Since I was not given fair warning on late fees procedures in writing, and it is not on the Statement. I requested that these late fees be removed from my account. I am in good long standing account holder and trusted AAA to the point where I did not check my account on a regular basis. The procedures for charging late fees as it relates to payment due date was not known to me until I was charge and called them. If I had known that the payment has to be made after the statement closing date and by the due date. I will of exercise caution and made my payment to avoid a late fee. The knowledge of payment being made between statement closing date and due date is not written on the statement or any policy. So, AAA VISA needs to do the right thing and removed the late fees.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally. 
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Mortgage

This issue is regarding the refinance of an investment property in CA. The lender is LoanDepot.com. When I initially started the loan application in XXXX, they offered a locked interest rate of 3.25 % 30yr fixed. There was no points and the mortgage fees was quoted at approx {$2300.00}. In order to start my application, I was charged over {$500.00} for deposit and credit reports. 

I provided all docs requested by them in a timely manner, within 24 hours. In XXXX, they added points to the loan and significantly increased the mortgage costs. The reason they cited was difficulty finding an appraiser for the property, yet they scheduled as appraisal the same day I asked for escalation. 

Now as we get ready to close the loan in XXXX, the quoted mortgage fees is approximately {$9000.00}, and LoanDepot tells me they are legally allowed to increase the mortgage costs. They are given me the option ( and asked me ) to cancel this loan application. 

LoanDepot is unwilling to lower the mortgage costs to what was originally quoted. They have also not offered refund for the fees that I paid, nor any compensation for the time and effort spend on this loan application. This loan has already taken 90 days, with no clear path to a fair closing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Fifth third bank closed my checking account after I deposited XXXX. In to my own checking out via mobile deposit. They said I havent used my card in 6 months which is a lie I use it daily for gas. They would not give me a corporate phone number. They blocked me out of my mobile banking and my money. I missed work, lost out on money.
Product: Debt collection

I don't recognize the debt collections agency and have no knowledge of opening an account with the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX : XXXX, DEPTEDXXXX : XXXX, US DEP ED : XXXX, USDOE/XXXX XXXX XXXX, US DEP ED : XXXX XXXX US DEP ED : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Date : XX/XX/2020 Amount : I have about {$40000.00} in my saving account at the Fifth Third Bank I need to have a recent statement of my saving account for my application for refinance. However, 53 only provided me statements up to XX/XX/2020, which is too old for my refinance application. I contacted 53 requesting the statement for a recent month but was told that the statement will only be generated every three months, and the next statement I will receive will be end of XX/XX/2020. This will impact my refinance application- the rate is being locked only for 30 days since middle XXXX, and I need this statement as document for my refinance application. Without the statement for my saving, I may not be able to get my refinance approved and receive damage financially. It is frustrating that with more than $ XXXX in my saving, I can not even get a statement. Please investigate 53.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. I filed an Identity Theft Report, reported it to all 3 credit bureaus and to the companies of the fraudulent accounts. 
I not only showed proof that these companies are acting shady but demanded these accounts be investigated and removed from my credit report. 
The credit bureaus have yet to remove all the fraudulent accounts. 
The following accounts are being falsely reported to my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint in response to a previously closed complaint filed on XXXX, reference number XXXX based on a response from Experian on XXXX. 

Original complaint was based on the illegal re-insertion of information into my credit report, without notification of the credit reporting agency as required within five ( 5 ) days of previously disputed information that is invalid. 

In the response to the above referenced complaint, Experian 's official, binding response stated, " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. According to our records the account number provided in your complaint is not appearing on your Experian credit report. '' However, based on a review of my Experian credit file on the date of their response ( XXXX ) and with re-verification on XXXX, the information they stated is " not appearing on your Experian credit report '' is and has been present on my credit report since before the original complaint was filed. The information was verified directly by a service that is owned and operated by Experian. 

Experian 's response to the complaint is a blatant misrepresentation of the information that is truly present on the report, which represents transmittal of false information to a consumer and refusal to investigate a complaint as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX/TransUnion/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

In XXXX, I saw on my credit report that there was a charge off on Experian, Equifax and Transition. On XX/XX/year>, I sent XXXX letters to these XXXX companies with certified mail, they have responded back to my letter saying that the information was in fact verified. I even sent them a second letter in XXXX and they told me once again that the information was verified. This is for XXXX Bank and for all three credit reports it says account charge off.
Product: Credit reporting or other personal consumer reports

My student loans have been discharged by the courts as of XX/XX/2024. XXXX department of education refuses to correct the problem. Please help fix this. My account with department of education shows XXXX XXXX but I am XXXX XXXX XXXX
Product: Debt collection

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 Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Violation of Consumer Rights by Collection Agency Dear Sir/Madam, I am writing to formally lodge a complaint against a collection agency that I believe is in violation of my consumer rights under various federal regulations. 

I discovered that a collection account had been placed on my consumer report by Collection Agency. This agency has failed to provide valid information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this failure, they proceeded to report the collection account, causing significant harm to my credit report. 

Furthermore, I have not been given a fair opportunity to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ). The collection agency 's actions have not only deprived me of my right to dispute the validity of the debt but also demonstrate their use of false, misleading, and deceptive practices in violation of consumer protection laws. 

It is my understanding that the collection agency had no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the collection agency ceases its unlawful practices. Additionally, I seek the removal of the erroneous collection account from my consumer report and any other remedies that may be available under the law. 

Please find enclosed copies of my correspondence with the collection agency and any other relevant documentation supporting my complaint. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

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

Hello, I promise these two derogatory marks are n't mine. I 've never heard of, bought or received anything from these companies. <P/>XXXX XXXX XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX, Opened XX/XX/XXXX, {$660.00} Thank you. Best, XXXX XXXX
Product: Debt collection

I have lost my job and my cosigner is retired and they will not work with us on payments, but I asked them to cease and desist calls my cosigner advised they keep calling. I also need a lower payment so that I do not mess up my credit while I am actively looking for a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX. 
XXXX XXXX XXXX XXXX 
I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I initially made a dispute, but then I realized that the payment was accurate. However, I did want to explain the circumstances surrounding the late payment. I have a chronic XXXX and have to take a medication daily to treat it. Starting in the summer of this year, the medication went on a nationwide shortage that can be tracked according to the FDA. Without my medication to treat my XXXX, I was unable to keep track of my expenses diligently. I spent much of my time communicating with providers, pharmacies, and insurance. I would like to ask for removal of this late payment due to extenuating medical circumstances that prevented me from making payment on time. Aside from that late payment, I am completely current across all payments and accounts.