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

In accordance with the Fair Credit Reporting act XXXX Account # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  has XXXX 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
Product: Credit card or prepaid card

On XX/XX/XXXX I paid in full a credit card balance on Bank of America card. The same day they closed my account. I have had this account for 26 years and no delinquencies or late payments on this account for 26 years. 
Unfortunately the past few years have been difficult and my credit score is not the greatest but during all of that Bank of America chose not to close my account but rather rack up plenty of interest from me because it has taken time to be able to pay this account in full. So in other words, they could have closed my account and continued to ask for payment on a closed account due to their reasons but they instead chose to do a peer review on the exact same day I paid my balance. This action will result in 3 negative impacts on my credit score that i am working diligently to improve. They include : 1. I will no longer have the Excellent rating on the length of oldest accounts which was 26 years up until XX/XX/XXXX. 2. Closing the account after I paid the balance will eliminate the credit unused potential on my credit score. 3. the fact that it is now a closed account will contribute to a negative impact.

At the very least Bank of America could have lowered my credit limit and kept the account open. Instead they wait until you can not benefit them financially any longer and then close the account without warning or opportunity to dispute. I have spent the past hour on the phone with them and continued to be transferred to 4 different people who told me there was nothing they could or would do and that i need to accept this decision basically and that it was not reversible. I find it unethical that credit card companies can take action on a customer that causes their credit to be negatively impacted as a result of the customer taking action to improve their credit score and good standing with that credit card company. The representative further said, on a recorded call of course, that paying off the balance in full prompted the peer review and that had I not paid the balance off in full the account would not have flagged for a peer review. And naturally, had the balance not been paid in full the Bank of America would still be able to collect interest money from me.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a complaint against Affirm for their repeated and unjustified actions of locking my account, preventing me from accessing it, and, most critically, from making payments on my loan. This issue has persisted despite my multiple attempts to resolve it through the steps Affirm has provided, including submitting identification information and contacting their support team numerous times. 

I initially filed a complaint with the Better Business Bureau ( BBB ) regarding my locked Affirm account. Following that complaint, Affirm temporarily unlocked my account. However, shortly after attempting to log in again, my account was locked once more without any clear explanation. 

Since then, I have been unable to access my account to make payments on my loan. Affirm 's customer service has been unresponsive and unhelpful, repeatedly telling me that they are opening a case to unlock my account but failing to follow through. This has been an ongoing issue for over XXXX weeks, and I have not received any clear communication or resolution from Affirm. 

Moreover, Affirm has not provided any adequate explanation for the continued account lock or any clear instructions on how to resolve this issue. The companys actions are preventing me from fulfilling my financial obligations, which is causing unnecessary stress and frustration.
Product: Vehicle loan or lease

On XXXX XXXX I entered into a Consumer credit transaction with Navy Federal Credit Union and was denied.I received a STATEMENT OF CREDIT DENIAL, TERMINATION OR CHANGE letter XXXX XXXX, XXXX XXXX I sent message to Navy Federal Credit Union for the underwriters name and information they would not give it to me. 
XX/XX/year> I sent a letter to Navy Federal Credit Union per response to their denial letter. XX/XX/year> Navy Federal Credit Union sent another letter with their response.
Product: Credit reporting or other personal consumer reports

I'm writing because I need your help with something big. It's about my credit report There's a website called Experian that's supposed to let me update my information, but it's BROKEN! Every time I try to change my address, it gives me a weird message and won't let me do it. I don't think its broken because im involved in a non profit credit counseling group and in the group they are helping us work on our own reports individually and 10 other people in the group that are of caucasian descent have no problem doing this, im not sure if im being singled out or anything. 

Here 's the even BIGGER problem : My report has addresses I don't even recognize! It's like someone else who has a similar name might be living where I don't! This is scary because it could mean someone opened accounts in MY name without me knowing! 

The worst part? My friend can use the Experian website just fine. This makes me think something might be wrong with MY account specifically, or maybe the website is buggy for some people. 

This is a BIG DEAL because : If someone opened fake accounts, it could mess up my chances of getting a loan or renting an apartment later. 

I can't even fix it because the website is broken, or " somthing ''
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including this public record in my credit report. I strongly believe this situation exploits me, and I seek resolution.
Product: Credit card

Citibank charged me {$2000.00} {$3000.00} in finance charges, including a {$1600.00} balloon charge ( XX/XX/XXXX ), on my wife 's ( XXXX XXXX ) My Best Buy Visa Card ( ending XXXX ). 

I am unclear on the total amount of charges because I was unaware that I was being charged at all, and they do not provide historical statements for the lifetime of the account. 

They misapplied my {$150.00} auto-pay, meant for 18-month interest-free appliance balances, to other balances, violating TILA ( 12 CFR 1026.53 ( b ) ). 

Their XXXX  showed a {$0.00} balance to my authorized user while hiding charges and promotional details, breaching TILAs disclosure rules ( 15 U.S.C. 1632 ).

They never notified me of the balloon charge, violating 12 CFR 1026.55 ( b ). They claimed paperless enrollment without my consent, contradicted by later emails ( go paperless ), which made it seem like I was not on paperless, violating Regulation E ( 12 CFR 1005.10 ( b ) ).

For four years, statements went unopened, with no calls or mail, despite a dormant account ( XXXX ). 

On this card, Citibank 's XXXX  is purposefully deceptive. The communication does not present clear and conspicuous disclosure of upcoming finance charges. And it does not make it clear that payments set up for autopay will be applied to the balance for promotional interest-free financing as expected. 

They missed my XX/XX/XXXX, deadline to provide statements ( 15 U.S.C. 1637 ( f ) ) and rejected waiving fees. I demand reversal of all charges, all statements since XXXX, paper statements, and a {$1000.00} goodwill credit. 

Attached are screenshots showing an incomplete set of records ; payments that were taken from my account since XXXX when payments should have stopped in XX/XX/XXXX ; a copy of the email after signing up for the card that we could " Go Paperless '', implying we did not sign up for paperless statements ; their reply to our request for statements and reversal of charges ; a letter from them, dated XX/XX/XXXX, which we never received physically and never received a notice via email, which discloses how balloon charges work ( even if we did receive this, it is unclear from this letter that a balloon charge was about to happen ) ; Citi 's rejection to reverse the charges. 

In summary, CitiBank is baiting customers into opening a Best Buy card to leverage 18-month 0 % financing, then leveraging poor XXXX, auto-enrolling cardholders into paperless without consent, and not providing clear and conspicuous disclosure of account activity in the case of their Best Buy card in order to maximize finance charges due to this poor communication.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

On XXXX of XXXX I contacted TJX Rewards Platinum Mastercard/Synchrony bank to see what could be done with my account due to my being affected by the pandemic. At the time I was offered by the representative to pay {$150.00} per month and that I would be able to settle my account when I was ready which I agreed to. I finally managed to save some money to start settling my debt and when I called the bank back on XXXX of XXXX to settle the debt the bank told me that due to my being enrolled in this payment plan I do not qualify to settle. I complained and began an investigation with the investigation department to verify what the representative and I had agreed to which took 30 days. After completing the investigation I am still being denied a settlement and no resolution is being offered by TJX Rewards Synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX bankruptcy falsely reported to my credit with date of XXXX
Product: Credit reporting or other personal consumer reports

My loan was transferred to Mr. Cooper, which I did not initiate. Payments are being made, yet they have not submitted this to the credit reporting agencies. They said it takes 30 - 60 days for them to do so. This is unfair because it negatively impacts credit scores.
Product: Credit reporting or other personal consumer reports

In accordance with 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 ) : XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX  - XXXX, XXXX at XXXX - XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX 2. The following personal information is incorrect CURRENT ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect PREVIOUS ADDRESS : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The following accounts were closed by me and should state that XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
8. Validate And Verify debt XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The Original Creditor is Inaccurate Validate and Verify This Debt US DEPT OF EDXXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through my bank, XXXX XXXX there is a creditwise feature where you can check your credit score. While checking my score I got an alert from Experian that an address was associated with my SSN. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX I do not know this address but apparently they are using my SSN
Product: Credit card or prepaid card

I was on an XXXX XXXX flight when the flight attendant advertised the XXXX XXXX XXXX XXXX. She told the flight that the fee was waived for the first year and that XXXX bonus miles would be received when getting the card. <P/>When I finally received the card in the mail weeks later and activated it and looked on my account there was a {$95.00} annual fee on my statement. At first I thought this was a mistake since we had been told more than several times that the fee would be waived the first year. Upon calling the credit card company they said that they would not remove the fee, and that I would not receive any bonus miles until I paid the fee. These are extremely deceptive bait and switch tactics.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the medical debt listed under the above-referenced account number. It has come to my attention that XXXX XXXX has accessed and used my medical information in violation of the Health Insurance Portability and Accountability Act ( HIPAA ).

HIPAA strictly regulates the use and disclosure of individuals ' health information.

Under these regulations, any unauthorized access, use, or disclosure of my medical information without my explicit consent constitutes a violation of my privacy rights.Specifically, the following actions by XXXX XXXX appear to violate HIPAA regulations : 1. The collection and use of my medical debt without my explicit consent.

2. The disclosure of my medical information to third parties without proper authorization.

These actions have caused me undue stress and concern, as my personal medical information should remain private and protected under federal law.In light of these violations, I am requesting the immediate removal of the aforementioned debt from your records and all credit reporting agencies. Additionally, request written confirmation that this debt has been removed and will no longer be reported to any credit bureaus.

Please consider this a formal request for debt validation and cease all further communication regarding this debt until this matter is resolved.

Failure to comply with my request may leave me with no choice but to file a complaint with the U.S. Department of Health and Human Services ' Office for Civil Rights and seek legal remedies to protect my rights.

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days from the date of this letter. Please direct all correspondence regarding this issue to the address provided above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Transunion representative  XXXX  for my case file #  XXXX  and she did not assist me in removing Inquiries that I have not place on my credit file :   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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I reached out to Chase Bank on XX/XX/year>, at XXXX XXXX XXXX XXXX to address a pressing matter. During the call, I had the opportunity to speak with XXXX, a representative from the bank. XXXX diligently conducted a search using my social security number and discovered an account that had a pending status under my name. Recognizing the severity of the situation, XXXX promptly transferred me to the XXXX XXXX Department. 

In the capable hands of XXXX, a member of the XXXX XXXX Department, I received confirmation of the aforementioned information. Upon thorough examination, we meticulously reviewed all of my up-to-date personal details. XXXX informed me that there had been recent unauthorized usage of my personal information. Furthermore, there were indications that a home XXXX have been purchased under my name as well. Understanding the gravity of the situation, XXXX spent approximately an hour on the phone with me, ensuring that all necessary details were addressed. 

Currently, I am patiently awaiting the completion of the investigation, trusting in the expertise of the bank 's diligent team.
Product: Credit reporting or other personal consumer reports

RE : IDENTITY THEFT AND INACCURATE INFORMATION ON MY CLARITY REPORT To whom it may concern : I am writing to make you aware that I have been a victim of identity theft and after pulling my Clarity Services Report, I see that my information has been breached. I and am not responsible for the following accounts/ information and needs to be removed immediately. 

PLEASE SEE ATTACHED