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

Ive reviewed my credit report and noticed the following inaccurate item ( s ) : Inaccurate Reporting- I have notice multiple addresses on my credit report that are incorrect like the following ( XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX Address ID # XXXX ) ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY, XXXX XXXX ID # XXXX ) ( XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY, XXXX Address ID XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Address ID # XXXX XXXX ( XXXX XXXX XXXX # XXXX XXXX NY, XXXX Address ID # XXXX XXXX All of the addresses listed above are spell incorrectly and missing information. I am requesting that any and all addresses that do not match the information on my state issued ID be removed from my credit report to ensure maximum accuracy of my report. Thank you. A copy of my photo ID and a insurance document have also been attached to this dispute to be used for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX & XXXX XXXX XXXX and XXXX XXXX XXXXXXXX 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.
Product: Credit card or prepaid card

I strongly, wholly and completely, reject Discover 's recent erroneous, defamatory, damaging and retaliatory action against me and my card account. This is nothing short of gorilla marketing, an outrageous attempt to scare a consumer, to force a consumer to use their product, or else, while they damage my credit reporting with unwarranted changes and restrictions to my account. 

On or around XX/XX/XXXX, Discover solicited me for an account, and set me up with a {$750.00} credit line. While I felt this was insufficient, and after raising this issue with their Customer Service, I figured, in time, I would qualify for an increase with my good credit and payment history. 

In XXXX of XXXX, I received a notice as a result of my good account standing and payment history ( which was perfect ), the announced they raised my credit line to {$1800.00}. 

Before, during and since, my credit report has been flawless. 

I just got notified, that due to my " significant delinquent '' credit history, and because of lack of activity, they have lowered my credit line to {$500.00} ; further, if I don't use the account in 30 days, it would be closed. 

I am shocked. I have been in the payments industry well before Discover was even conceived. Obviously, they still have a long way to go to join the legitimate ranks of Visa and Mastercard operating models.

This is no way to encourage use of a card product, in fact, if they had given me an appropriately credit line to begin with, and not thrown me a bone, which wasn't worth the cost of an inquiry, I might have used the account more frequently. Not all merchants take Discover, so Visa is still the # 1 card product in the US. Yet, I gave them a chance, a few times, to meet my needs for a decent credit facility line. 

I just got notified by XXXX XXXX and XXXX XXXX, both {$0.00} balances, and they have informed me that they are changing processors, but thanked me for my business and to expect a new card in the mail. This is professionalism. This is customer courtesy, respect. 

I just got a home loan in the XXXX XXXX XXXX XXXX on a XXXX dollar property that was paid in full with XXXX  delinquencies. All my card accounts have been paid " exceptionally ''. 

Discover, this is a shame and a sham.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax, and XXXX are housing and inaccurately reporting my non-public personal information to nonaffiliated third parties for unjust enrichment. As required by 12 CFR 1016.7, I was never provided a clear and conspicuous notice accurately explaining my inalienable right to opt out of my nonpublic personal information being shared with nonaffiliated third parties as provided under 12 CFR 1016.10 ( a ). XXXX XXXX did NOT provide reasonable means by which I may exercise my right to opt out. This gross negligence is placing a restraint on my ability to operate in commerce and severely impairing my inalienable right to Life, Liberty, and the pursuit of Happiness.
Product: Credit reporting or other personal consumer reports

Account # XXXX opened- XX/XX/2023 amount-XXXX XXXX I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened USBank checking account XXXX around XX/XX/2022. USBank requested me to make opening deposit of {$100.00} and I used my XXXX credit card to do it. XXXX charged me {$100.00} on the credit card. 

However, without my request, USBank made a " XXXX XXXX '' transaction on XX/XX/2022. It caused {$100.00} deduction in the balance of the checking account. Neither of USBank nor XXXX had informed me before I contacted them a month later. 

USBank said " we received notification that we were unable to receive funding from the account used to process the opening deposit ''. XXXX did not refund the {$100.00} charged to the credit card. 

I do not understand why USBank can not talk to XXXX and both have my permission to do so. Customer lose money from bank account but bank does nothing - I do not think it is a standard protocol of financial industry.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : 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 XXXX 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 reporting or other personal consumer reports

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that 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. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Credit card or prepaid card

I recently on XX/XX/2018 logged into my XXXX XXXX account to check my balance on my store credit card, and found out that XXXX XXXX had recently opened up a new line of credit in my name in the form of an XXXX XXXX XXXX credit card that I did not apply or authorize for. I contacted their customer service center and was told that they could not closed down the line of credit until I got the card in the mail. I was then told when I get the credit card in the mail to activate it and then call them to cancel it. I informed the lady at customer service, that 1. ) I never applied for or authorized this new card in my name and this was illegal to issue a new line of credit in a persons name without their knowledge or permission. 2, ) I demanded that it be shut down and they said " well there is a XXXX   balance on the card and I will have to wait to get the card in the mail ''. The lady in customer service stated it was too late to cancel because the card has been sent in the mail and I was passed the deadline. I informed her that I never applied and have not received any credit card yet either ... .so that I can cancel this illegal line of credit. 

I am reporting XXXX XXXX Credit Card and XXXX XXXX for illegally opening a new line of credit in my name without my permission or knowledge, and for them refusing to cancel the card at my request. 

I am worried about how many other people this has happened to without their knowledge and are being taken advantage of.
Product: Mortgage

Ocwen scheduled Foreclosure Sale without providing a Recent Loss Mitigation Package. There are discrepancies is the Amount Owed on my Mortgage. Ocwen would not provide proof of Servicing Rights.  No Proof of Transfer. No Proof of Amount Transferred. XXXX XXXX was used and there are discrepancies. Ocwen has Robo Signed our documents. I have been given another 30 year loan when i.didnt ask for One. OCWEN has not addressed these Issues. I am in XXXX XXXX and XXXX XXXX. This has caused me additional XXXX  and hardship.
Product: Checking or savings account

I transferred my investment account to this company called Robinhood from my investment account XXXX and ever since I transferred the investment I'm not able to make use of my money ... account that I have done all the verifications over the years and made couple of transactions on it they're now asking for me to summit my drivers license which I tried and they won't allow me upload my selfie... I have complained to the over 20 customer support on the app via chat but non was able to find solutions ... I tried to add my debit card they said I can't add a debit card still I tried to linked 5 different banks they said it's not supported..I did the manually linking and they asked for my bank statement which I gave them and they said it's under review and after 5 days they said they address on the statement can not be accepted but it's the same address on the Robinhood account which is odd to me ... after some days they restricted the account and I can't make any transactions on the account and they're not giving me reasons for the restriction
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my social security number to steal food stamps from  The Department of Human Services. I was made to pay back with cash  when I had an income. The case number used at that time was  XXXX . This happened because of theft of my identity. My drivers license & social security card stolen. I 've since changed the spelling of my name to  XXXX   XXXX   XXXX . I actually receive food stamps, because I do n't have an income. My case number is  XXXX . The last car I had before it was stolen & totaled reported to the  XXXX  Police Impound lot. Was a  2012 .  XXXX   XXXX   XXXX  door. The vin number was  XXXX . The plate number was  XXXX . The title number is  XXXX . I paid cash for this car on  XXXX / XXXX / 2012  to  XXXX  on  XXXX   XXXX . The invoice number is  XXXX . I did not use credit, because I learned that I was n't able to do so. The  XXXX   Family  would take everything I applied for. Because they have a seven year fraud alert on my credit report. With the help of Attorney  XXXX   XXXX . The  XXXX   XXXX .  XXXX  used at that time was  XXXX  TN  XXXX . The title was mailed to that  XXXX   XXXX   . I  've had a  XXXX   XXXX   XXXX   XXXX . The  XXXX   XXXX  was  XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX  Tennessee  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting creditors have violated my rights.

15USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 second 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 purpos
e.
Product: Student loan

I wasnt given correct information about my loan and fees and how payments will be I am having multiple Payments taken out of my account and not really sure what pays what. The login provides no clear info. I feel like the amount is higher every time I login even though Im making payments. In the beginning my credit was effected because I Wasnt informed of payments.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX  XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  client XXXX XXXX is a victim of ID theft. His information was used to apply for credit accounts without his permission. While accounts were not established the application process left fraudulent related inquiries on his credit reports. Kohl's/Cap One and XXXX are items that remain on a credit report as inquiries after having been verified as fraud related. These inquiries left on the reports are a violation of the FCRA and my clients consumer rights. A previous escalation of Kohl's/Cap One was made to the CFPB, a letter confirming the removal of the data was received however an Experian credit report obtained XX/XX/2018 still has Kohl's/Cap One listed in the hard inquiry section of the report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.
Product: Credit card or prepaid card

I have a Costco-CITI credit card # XXXX I pay in full every month, also have a checking / savinga account with CITI and have close to XXXX Credit score. I went to XXXX, did apprise them ... after a month or so they blocked my credit card. International colLect call did not work, when called the Rep was blinded with hubris asked me US Checking account # which at that time I did not remember. Called again with it but no use. Interestingly for legal reasons no e-mail available so contacted Executive Office e-mail only to get legalized lengthy letter basically absolving them of all responsibility and sorry you are suffering from such a situation. 
1 month has gone still credit card privileges not restored. My sister could not even pay by phone, I cant access my account online ... Reps lied saying a FRAULD ALERT reference code letter has been sent to the US address but we have not received any as I checked with my sister, a practicing attorney who lives on same address. 
I can understand CITI 's security concerns but this has gone too far that despite contacting executive 's office nothing has been done instead a veiled threat of damaging my credit. That too with a loyal customer who pays in full every month. 
Please do look in to the matter and restore my charging privileges as that is the only card I am carrying. 
My XXXX # is XXXX My e-mail is XXXX XXXX
Product: Mortgage

I contacted ThirdFederal on XX/XX/year> to close my HELOC account. They stated they would not close the account until a {$65.00} administrative fee was paid. The fee was not due for another 30 days and is a yearly administrative fee. When I explained I should not be forced to pay a fee for an account that will not be staying open I was told I needed to pay it. 

This is a predatory practice as I had no other option but to pay the fee or risk damage to my credit. I have now paid a administrative fee to keep the HELOC open for another 12 months even though my desire was to close it. 

I then asked if they could let me know how much notice they need to not be assessed another fee next year since 30 days was not enough and they never replied.
Product: Money transfer, virtual currency, or money service

I sold some items on Paypal. They said money would be transferred to my checking account in one business day. Today is the third day, no money has reached my checking account. I phoned them they told me there was nothing they could do. I read our Paypal user agreement to them and they told me there was nothing they could do to release the funds at this time. Here is a copy of the user agreement : " We may delay a withdrawal, in certain situations, including if we need to confirm that the withdrawal has been authorized by you or if other payments to your PayPal account have been reversed ( for example, as a result of a chargeback, bank reversal or dispute by a buyer ). Additionally, if we place a limitation on your PayPal account while a withdrawal from your PayPal account is pending, you will have to reinitiate the withdrawal once the limitation has been lifted. '' None of the above circumstances relate to my situation in any sense.