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

I applied for a personal line of credit through  XXXX   XXXX   XXXX   XXXX  last week. Although I have had  XXXX  loans with  XXXX   XXXX  and only ha d 1 lat e payment, I was turn down for the loan.  XXXX , the loan officer, at the  XXXX  location explained that I had a " really low credit score ''. She also explained that they pulled reports from  XXXX  and Equifax. When I asked her what my score was, she said my Equifax score was a  XXXX . She said they relied more on Equifax because it was the most reliable. I was surprised as I had just pulled my credit reports the day before and my Equifax score was a  XXXX .   Today, I received a letter from  XXXX   XXXX  explaining why my loan application was turned down. It states that the decision was based on my credit scores from Equifax and  XXXX . It also states that my Equifax credit score is a  XXXX  ( please see attached ).   I called  XXXX   XXXX   XXXX  # to ask the loan dept. why was I told my Equifax credit score was a  XXXX  when their loan dept. letter to me states I have a  XXXX . When I spoke with the loan officer on the  XXXX  # she verified that it was my Equifax score and NOT my  XXXX  score that was showing a  XXXX .   I am very bothered and suspicious that I was turn down for a loan based on erroneous information. I want to know where  XXXX   XXXX  received the information that my score for Equifax is a  XXXX ? I want to know how many scores do I have with Equifax that i am getting different scores. We are talking about a  XXXX  point difference.
Product: Credit card

A criminal in Massachusetts called Discover and requested a card in our name and number on XXXX XXXX, XXXX. Discover asked them questions which answers could be found on our driver 's license. They did not use security question answers which I assumed they would. They received a card on XXXX XXXX, XXXX and began charging at XXXX in XXXX, MA ( the first charge which was {$210.00} ). Then charged another XXXX charges at different times at XXXX each over {$200.00}. They also went to a few fast food places and a XXXX in XXXX, MA ( both charges over {$200.00} ). 
We found out about this when my husband tried to use his Discover card on Saturday, XXXX XXXX, XXXX and it was declined. He told me when he got home and I immediately called Discover Card Services. They said that they had sent out a card to a person claiming to be my husband, XXXX XXXX, in Massachusetts. I asked why they did not call me or email me to verify the request. They said that they had tried " several times ''. I never received a call or email. I told them that I had not received a call or email. I have credit card protection with them which I pay for annually. Some protection. 
Can you help us? 
This same scenario happening to us XX/XX/XXXX with our XXXX XXXX. 
They gave us the same response of having called and emailed several times. I never received an email or call. The charges also originated from Massachusetts. 
Something is occurring at these credit card companies that, in my opinion, appears to be internal.
Product: Checking or savings account

Savings account on XX/XX/XXXX, was told it would take a long as 30 days for balance refund. Called Bank on XX/XX/XXXX to advise did not get balance refund, was told that check was mailed out on XX/XX/XXXX, but the Bank would need to investigate. 

XX/XX/XXXX Bank called to say they would stop payment on the lost refund check and reissue check, will take another 30 days, I asked for the check the be expedited, they refused. This is really poor service to wait 60+ days for a balance ( {$31.00} ) to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an answer to a dispute which state that the accounts XXXX XXXX : XXXX, XXXX XXXX BANK CAR : XXXX, XXXX XXXX BANK : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX : XXXX, XXXX XXXX BANK CAR : XXXX, XXXX XXXX BANK : XXXX and XXXX XXXX XXXX XXXX  : XXXX. 
This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've just received a copy of my consumer report and noticed some unauthorized inquiries. i did not give these companies permission to pull my credit file Please remove these inquiries unless they are attached to an account. 
US SM BUS. ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Everyone I spoke to says I got a very bad deal and was taken advantage of when I brought my first home. As a first time home buyer I didnt know anything about the home buying process. My lender gave me an FHA loan for 7.625 % and apparently according to Eveyone I was taken advantage of and given a bad deal bc I am XXXX XXXX American. I feel I was given a predatory loan bc of my XXXX
Product: Checking or savings account

Im estimating in between XXXX XXXX dollars were frozen in my account dating back to XXXX. All I ever wanted was my funds to be released to me. Unfortunately my fund were sent to the source that sent me the funds, but they denied theyve ever received anything. I have emailed this company over and over all the way up to now in year XXXX and still the same results.
Product: Debt collection

Sent a Debt Verification Letter to Fidelity Creditor Services on XX/XX/2021. They responded with an Invoice that does not verify any debt belonging to me. I'm asking for documentation verifying I accepted that debt. I have never lived in XXXX XXXX where the debt originates per the credit report. Please provide verification of this debt owed or remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under CFPB MY ACCOUNT WITH CAPITAL ONE IS CLOSED AND BY LAW THEY ARE NOT SUPPOSED TO CONTINUE SENDING FRAUDULENT REPORTS TO DAMAGE MY ACCOUNT. IVE CALLED AND CONFIRMED UNDER 15 USC 1681. ACCOUNT WAS CLOSED XX/XX/2022 AND REPORTS ARE STILL BEING REPORTED TO MY CREDIT ACCOUNT.ALSO, REPORTS ARE INACCURATE WITH MY STATEMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experianis neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially.

and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9800.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$42000.00}
Product: Debt collection

I am, XXXX XXXX, submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, a natural living person and original creditor was sent a letter from XXXX XXXX XXXX XXXX, to pay a alleged debt of {$110.00} ( Exhibit A ) which according to the FAIR DEBT COLLECTION PRACTICES ( FDCP ) is a violation of 15 usc 1692XXXX ( I ) & XXXX XXXX XXXX ( XXXX ) ( i ). XXXX XXXX XXXX XXXX is now civilly liable to pay for damages.
Product: Student loan

To the Departments Overseeing School & Loan Server Compliance, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX 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 XXXX 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.

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, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER XXXX AMOUNT XXXX THIS ACCOUNT WAS OPEN BY FRAUD I HAVE GIVEN THE POLICE THE SUSPECT INFORMATION AND FILED A REPORT.
Product: Credit reporting or other personal consumer reports

After several failed attempts to remove accounts with credit bureaus directly, I am writing to formally request the removal of several accounts from my credit report, as they have been inaccurately reported and are subject to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ). 
The following accounts should be removed promptly : 1. XXXX XXXX XXXX - Account # : XXXX Amount : {$350.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
2. XXXX XXXX - Account # : XXXX Amount : {$12000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
3. XXXX XXXX XXXX XXXX - Account # : XXXX Amount : {$1400.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
4. XXXX XXXX XXXX - Account # : XXXX Amount : {$10000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ).

5. XXXX XXXX XXXX - Account # : XXXX Amount : {$19000.00} Reason for removal : Account charged off and now recognized as taxable income. A 1099-C can be provided upon request. 
According to the Fair Credit Reporting Act, these accounts must be accurately reported and verifiable. Due to unauthorized access and inaccurate reporting, I am requesting their immediate removal from my credit report. 
Enclosed with this letter are copies of relevant documentation supporting my claim, including evidence of unauthorized access and any other required documentation. 
Please investigate this matter promptly and inform me of the actions taken to rectify these inaccuracies. I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card

From : XXXX XXXX XXXX Sent : Thursday, XX/XX/year> XXXX PM To : XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : Re : [ XXXX ] CITI XXXX XXXX CREDIT CARD XXXX FOR XXXX XXXX Caution : This email originated from outside the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. 



XXXX XXXX, The checks for both Citi cards were mailed via XXXX for overnight delivery, they were in the same envelope. The check was listed for XXXX for an amount of {$6700.00}. The check listed for XXXX was for an amount of {$1900.00}. I made the checks using the statements you sent to me and printed them out and placed them in the envelope along with the checks. 





Thank you, XXXX XXXX XXXX | Branch Supervisor XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed XXXX XXXX {$2000.00} XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Charge Off XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

My XXXX business account received a wire and they have held my money and say I should go to XXXX to get it back. XXXX bank also has claimed $ XXXX saying I owe them and now in XXXX. Same with XXXX XXXX XXXX accounts personal and business checking accounts
Product: Debt collection

XXXX XXXX  is a debt buyer who is misreporting to at least XXXX, XXXX and XXXX, a debt they bought from Capital One Bank, specifically my old MasterCard # XXXX. Its a very old account of mine that I last made a payment on or about XX/XX/XXXX. XXXX  lists the debt on the credit reporting agencies as of the date they bought it from Capital One, which was aroundXX/XX/XXXX.

Although I have had numerous phone calls and letters exchanged with XXXX, they refuse to report this debt accurately to the credit reporting bureaus. It should be removed from the credit reporting bureaus as the debt is older than 7 years. 

Can CFPB help me?
Product: Credit card or prepaid card

I am writing to ask that you look into the predatory banking practices of Discover credit card. 

I am currently reeling from a shocking phone call I received on XX/XX/2020 from Discover, a credit card account I opened just 7 weeks ago. Discover demanded I release my 1040. If I did not comply, they threatened to close my account. This has all been verified. It was indeed Discover. See attached.

I held a savings account at Discover Bank for over 8 years before deciding to open a Discover credit card. Following the normal credit application procedure, I unfroze all my credit reports, one at a time, at all three credit reporting agencies. Once approved, one by one, I refroze each credit report.

Less than 7 weeks after receiving my card, I received a call from Discover card telling me to check my email and to respond to their request for the release of my 1040. ( see attached ) Shocked, I demanded to know why?! They claimed they saw unusual activity on my account. I hung up and called the number on the back of my card. I was then informed that my card had been put on a temporary hold until I complied and if I chose to not comply, my card would be closed in 2 weeks. Reason given : unusual activity. What in the world was going on? I was also locked out of reviewing my own account activity! My heart raced like never before! They said I had agreed to the use of this action per their user agreement. I could not argue as I did not read all '20 pages ' of it.

I hung up and called Discover Bank where I have held a large account for over 8 years. I begged their assistance. They agreed this was disturbing but failed to intervene. What was happening to me?

In total panic, I contacted the agency that monitors my credit activity fearing I may be a victim of identity theft. NO unusual activity. What is  going on?! 

I am a senior citizen with pristine credit. I've never missed a bill in my life! 
Are they randomly targeting seniors?

I am NOT complying with Discover 's demands. In fact, I immediately closed the card. I have also closed my account at Discover Bank after they failed to intervene on their own product.

4 days after closing both accounts, I CONTINUE to get emails from Discover continuing to ask me to release my 1040! ( See attached ) They have no right nor reason to be demanding this very personal information.

Please investigate this as it is clearly predatory activity.

Thank you. I look forward to your reply.
Product: Credit reporting or other personal consumer reports

These inquiry was not authorized. 
Please remove these inquiries from the report listed below XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 or other personal consumer reports

This account # XXXX was purchased by a Third Party Debt Collector ( JEFFERSON CAPITAL SYSTEM ). This account must be deleted as the status is not correct, the amount is not correct and the account was paid for less than owed by the Third Party Debt Collector ( JEFFERSON CAPITAL SYSTEM ). How much did the collection company pay for this item? I don't know and my credit report does not reflect such amounts. This is a clear violation of the 15 USC 1681 ( a ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

After multiple attempts to settle these issues with JEFFERSON CAPITAL SYSTEM they have ignored all requests to delete this inaccurate information.

In addition to inaccurate information being reported, this report is a violation of my privacy per the Privacy Act of 1974 and 15 USC 6802 ( b ) ( 1 ) ( a - c ) : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option AND a violation of USC 1681 ( a ) ( 4 ) : 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. 

In this case my personal information was NOT RESPECTED and disclosed to third-party non-affiliates ( XXXX, XXXX, XXXX ) without written or electronic notice of how to opt out of disclosure.

THIS INFORMATION IS NOT ACCURATE NOR IS IT FAIR. AND A COMPLETE VIOLATION OF MY PRIVACY. Per 16CFR433.2 I have a right to uphold my rights as a consumer : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. 

Therefore this information must be DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection from XXXX XXXX. I do not owe this collection, I am currently still with XXXX XXXX. I could not obtain insurance with them while owing a balance. I have tried numerous times to upload support documents however their website will not allow. I have received no proof from how they verify this is my account. They altered the dates on this collection as to show it to be more recent once I disputed.