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

i contact Equifax XXXX XXXX, XXXX by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only Equifax did remove the public record but i still heavy other things its not my XXXX XXXX did not removed yet, XXXX needs to remove the Public record please im asking CFPB for help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing this complaint because Citibank failed to deposit a {$700.00} Cash Bonus into my account which I qualified for within 90 days from the end of the month in which I completed all the promotional offer requirements : 1/ New Business checking account ( streamlined ) was opened on XX/XX/XXXX after completing the required documents with XXXX, Citi Vice President/Business Account Manager at a local Citibank branch.

2/ Met the {$25000.00} qualifying balance level during the initial 30 calendar day funding period on XX/XX/XXXX with " XXXX '' funds deposits. 
3/ Consecutively maintained that balance until XX/XX/XXXX, exceeding the 60-day maintenance period requirement ending on XX/XX/XXXX. 
I have contacted Citi small business support to inquire about the Bonus, issue was escalated under Claim XXXX XXXX XXXX XXXX on XX/XX/XXXX, and was asked to wait 5 business days to get a response. Did not hear back from support so I called again on XX/XX/XXXX and was informed by A ... ... .that a " code '' was needed. I told the Rep that a code wasn't required as it was not stipulated in the offer XXXX & XXXX. Rep instructed me to contact my local Branch Manager T ... P ... which I did, but that e-mail remains unanswered. 
I have once again reviewed all the documents including the business account application and there is absolutely nothing supporting the Citibank representative 's claim that a promo code was required to get the Bonus such as : " Bonus code is XYZ '', " Activate bonus code XYZ '', " Must provide bonus offer code XYZ to a banker '',... 
Not sure if I'm dealing with incompetence or if Citibank engages in deceptive practices but the issue hasn't been resolved and thought it was time for me to file a formal complaint with CFPB. 
I have included the promotional offer XXXX & XXXX that was attached ( XXXX XXXX XXXX ) in one of the e-mails sent to me by the Business Account Manager on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

My information got hacked and all my money was taken from me. my cash app got to a negative point and every check that was in my account got took, I went homeless because of that
Product: Mortgage

The servicer continued the foreclose process while requesting documents, and processing a submission for a loan modification in violation of Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ). Documents were uploaded to NationStar at XXXXXXXXXXXX see exhibits A, B, and C. The company never ceased the court proceedings and advanced a foreclosure while telling me I was in the running for a loan modification. ( See Exhibit D ) I have also requested additional documentation from the company that assisted me with the modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

TIAA did a background check on me around XXXXXXXX XXXX. I was offered employment but later the offer was rescinded. I have been unemployed for over a year and its been difficult to make ends meet without income. I filed a dispute with the company TIAA used to pull my credit and background but the offer was still rejected.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and or TransUnion or XXXX, or XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my East West Bank account to East West Bank at the instructions of the scammers. 

Date wired Amount Transaction XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer XX/XX/XXXX XXXX Same bank internal debt transfer sub total XXXX XX/XX/XXXX XXXX Wire to XXXX XXXX XXXX Bank XX/XX/XXXX XXXX Wire to XXXX XXXX XXXX Bank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the XXXX of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 reporting or other personal consumer reports

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting

I checked my credit via XXXX XXXX and several other credit apps on or around XXXX XXXX, XXXX. There were no inquiries listed on my credit report due to being removed. I checked my credit again via the same apps on or about XXXX XXXX, XXXX and the removed inquiries were put back on. I have called several times a day since and the reps refuse to allow me to speak with a supervisor or to be transferred to the offices in America. They reps have been belligerent and hung up, some have told me too bad, and others have told me that they will be the only office I reach should I continue to call and that I was wasting time.
Product: Mortgage

I have been calling GreenTree/DiTech literally for years, regarding having my mortgage, which has never even been late, released from bankruptcy. My co-borrower is the bankrupt party. I was told months ago that my account was approved for release, but the then representative, XXXX XXXX # XXXX, who is now the " supervisor '' never ever returns my calls or does her job in having this account released. When I called requesting to speak to XXXX 's supervisor, I was told that I can only be transferred to XXXX working on my file or to XXXX, the inept supervisor. So I am filing this claim in the hopes that someone at DiTech will actually do their job.
Product: Student loan

I went to XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. I was told that federal loans would take care of the associate 's and bachelor 's degrees. About a year before I was supposed to graduate, I get pulled in the middle of class into the financial aid department. They told me that my federal loans had run out and that I would have to take out private loans to finish my degree. They had me take out a Peaks loan. Because of their high interest rates, my total federal and private loans come out to over $ XXXX. I am already in a student loan forgiveness program for my federal loan, but need help with my private loan with Peaks. I had contacted Peaks and the lowest they can drop my payments to is {$200.00}, which I still ca n't afford. There is no way the education I received from XXXX is worth anywhere near $ XXXX.
Product: Debt collection

At the end of XXXX XXXX XXXX XXXX began harassing me at my place of work stating they were going to send a process server to my work, giving me the option to stop it, they threatened my co-workers that they must get in touch with me as it was an important legal matter several times. I filed a complaint against them in XXXX of XXXX as they got progressively worse. When I would call them, they wanted information I was not willing to give out over the phone ( DOB, SS # ... ). I did find out it was in regards to an old HSBC account that had been charged off well over 9 years ago. I called HSBC to confirm. The woman I spoke with there urged me to reach out to the Attorney General, who then in turn asked me to file with CFPB, based on their actions. The original complaint I filed was # XXXX and not able to be followed up on. Today,XX/XX/XXXX, XXXX from XXXX XXXX XXXX , contacted my work, asking for the nurse manager by name. He asked information about me, and she was told that they want to serve papers to me and asked if I worked here and asked to confirm the address here. She declined and asked for a call back # and said she did not believe that it was a legitimate call. He assured it it was and said if I want to stop this action I better call and gave a case # to her to give to me. When I called him back he was rude, said I knew exactly what this call was about and when I told him I did not know, he said I was lying. He got loud accused me of not paying my bills and expect to be sued. I asked him what for and he told me the same HSBC account and then said expect to be sued, when I tried to explain the information I had, he got louder told me the company has only been there for 6 months, it was his cousin 's law firm and told me not to call his law firm again and hung up on me. I am concerned as this company is out of California and my SS # & identity were stolen filing taxes with the IRS in California about 4 years ago. Please assist. Not sure where else to go with this. I just want this to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a complaint with the cfpb about the same issue and accounts, # XXXX and XXXX that are inaccurately reporting on my credit file. The previous cfpb complaint number is XXXX. That was ten years ago. Today, I am submitting a complaint for the same two accounts that are illegally reporting on my credit file. A credit reporting company generally can report most negative information for up to seven years. It is governed by the Fair Debt Collections Practices Act ( FDCPA ), and state laws may also apply that once a debt has passed the statute of limitations, the debt becomes time-barred. The Fair Debt Collection Practices Act prohibits credit bureaus and debt collectors to misuse this law.
Product: Credit card

Experian, XXXX, and XXXX have utilized my sensitive information, allowing unauthorized individuals to access my personal data. I have noticed unauthorized accounts on my credit report, including XXXX, XXXX XXXX Bank, XXXX XXXX, and XXXX Department of Education, among others. These companies are responsible for the misuse of my information, which has resulted in significant errors on my credit report. This is a serious issue that requires immediate attention and proper resolution. It is essential that this matter is addressed accordingly.
Product: Credit reporting

I sent a detailed letter questioning the validity of my collections account, in a certified letter to each credit bureau. As of now it has been more than 60 days and still have yet to receive a response
Product: Credit reporting or other personal consumer reports

updated my credit report and nd there was some unauthorized and inaccurate information on my credit report. did not give anyone my handwritten consent to furnish anything on my credit report. please investigate and remove these inaccurate items off my report. 

Hard Inquiry XXXX XXXX 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. 

Account name : XXXX XXXXXXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX, Account name : 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: Credit reporting, credit repair services, or other personal consumer reports

I've updated my current address with TransUnion, XXXX, and XXXX  and requested all incorrect addresses and phones be removed and it keeps being denied.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly 70,000 students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

Also XXXX falsely advertised loan information and the true financial burden of taking out loans. No information on additional expenses until you were billed. We were told NO loans would be projected to be taken out and each month it changed with more and more owed. Pushing to get loans. Promise to help with finding jobs and assistance with resumes, interviews, etc. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays.

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX A XX/XX/XXXX