23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age. However, this is exactly what this company is doing because of not being properly qualified and being unprofessional, relying on automated systems vs. dealing with each lender personally, not doing due diligence in checking for all required documentation and discriminating consumers purely due to their misunderstanding.

First they harassed me with constant marketing mailers claiming that I'm pre-approved for the loan ( XXXX credit score, extremely healthy credit, no derogatory marks at all ). They then denied my application not based on my credit worthiness, but because they discriminate me based on my origin and because they don't have professional services in place to understand my immigration documents and moreover, failed to contact me prior to decision to ask for additional supporting documents. They claimed that my green card expired, even though at the time of application I attached the official stamped extension letter ( form I-797- notice of action of the petition I-795 ) received from the USCIS , stating that my green card and immigration status are in order. I also additionally attached form I-795 ( which is previous step prior to getting extension letter- form I-797 ). My immigration status is already set, and I already even got the approval for green card extension, and their automated system was asking for some other irrelevant form I-90 ( which in only requested after you had a card for 10 years. I had mine for 2 years only, which was shown on the card submitted, and in that case form I-I-795 is requested, not form I-90 ). That made me eligible to receive any type of loan in this country. They however failed to research into this ; didn't contact me to correct it ( never e-mailed me with specifics of question, never called me ; just updated status in the system rejecting my application ) ; thus illegally basing decision on incorrect information. I would not authorize a credit inquiry had I known that the company doesn't understand requirements for the documentation. Nowhere in their marketing attempts or rules do they state anything related to required documents, number of attempts they will make and their ways of handling such cases. And their lack of professionalism caused me damage ; created inconvenience, and made me waste my time while I was waiting for response for more than 3 weeks, not even talking about damaging my credit score. Even after that, they failed to communicate with me and call me to correct their mistake. 
Incredibly bad service. I'd like consumers and financial administration to be aware of that. They don't perform a due diligence prior to making decisions on loans, they fail and thus fail consumers and government.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX dollars was stolen out of my checking acct the bank said it denied my claim that can not be legal. American Express bluebird will not refund the money that was stolen from my account I believe they are breaking the law my money is supposed to be protected how can they do this and legally get away with this there is no way what they are doing is legal I have used them a long time I have a direct deposit checking acct with them some body hacks my info steals my money and they say we're not reimbursing your stolen money because it was not me who withdrew the money. What kind of investigation did they do. Theyare breaking the law.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX, I C XXXX XXXX, and XXXX and associates In addition, please remove all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, XXXX, and XXXX regarding the violation of the Gramm-Leach-Bliley Act ( GLBA ) in relation to my credit report. I believe that these credit reporting agencies have failed to comply with the provisions outlined in the XXXX, specifically with regard to the protection of my non-public personal information. I have recently reviewed my credit report and identified several accounts and inquiries that are still being reported even against my consent and that I believe violate the XXXX. The accounts in question are as follows : XXXX. XXXX Formerly XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( authorized user ) XXXX. XXXX XXXX  ( authorized user ) XXXX. XXXX XXXX ( closed ) XXXX. XXXX XXXXl ( closed ) XXXX. XXXX XXXX ( closed ) XXXX. XXXX XXXX ( closed ) Additionally, the inquiries on my credit report that require immediate attention are from XXXX XXXX  and XXXX XXXX there are no accounts associated with these inquiries. I hereby request that the aforementioned accounts and inquiries be promptly and permanently removed from my credit report in accordance with the XXXX. These inaccuracies not only tarnish my credit history but also compromise the privacy and security of my personal information and I have made it clear that they have been reported against my consent numerous times. Furthermore, I request that TransUnion, XXXX, and XXXX cease the disclosure of my non-public personal information to any third parties without my explicit consent. I expect these credit reporting agencies to comply with the XXXX and protect my privacy rights as mandated by law. I kindly request that you investigate this matter thoroughly and take appropriate action against the credit reporting agencies involved. Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of the accuracy and integrity of my credit report.
Product: Debt collection

I have no knowledge of this account, I have never had an account with XXXX XXXX company.
Product: Credit reporting or other personal consumer reports

CITIBANK NA., BEST B XXXX XXXX XXXX  CITIBANK NA, WAYMC XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries were not authorized
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, EXPERIAN, AND XXXX for failure to report information in compliance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standards established by the Consumer Data Industry Association ( CDIA ). Under 15 U.S.C. XXXX ( a ), data furnishers are required to provide accurate and complete information. However, the entity in question has reported inaccurate, incomplete, or unverifiable information on my credit report, violating these standards. 

Despite my dispute, the information remains unchanged, and the furnisher has failed to provide proper verification. Under 15 U.S.C. XXXXi ( a ), credit reporting agencies must investigate and correct errors withinXX/XX/XXXX days. This failure to comply directly impacts my creditworthiness and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid and satisfied Ga tax state lien that has been released on XX/XX/2017 from the XXXX XXXX XXXX XXXX. I have submitted the information over to all credit bureaus, XXXX, XXXX, and Equifax. All bureaus besides Equifax have released and removed the lien from my credit report. I have called Equifax on several occasions to se reason on why they wont remove this lien from my report.
Product: Debt collection

I received a notice a collection agency added a debt to my credit report. I contacted the agency and the doctor 's office about the bill I had no knowledge of it. I thought my insurance paid all of this bill. When I contacted them I offered to pay if they removed from my credit report. They said they will not remove the debt from my credit report. I was not aware of this bill. Then they told me about other debt they have which I was not aware of either. I told them I was not aware of the debt and would pay if they remove the debt. The bill they put on my report is for {$100.00}. I don't know the date of this bill but it was added to my credit report on XX/XX/2018.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a fraudulent account was opened in my name at coinbase. I have contacted them several times and they wont close the unauthorized account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) XXXX ) XXXX 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. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

This is my second time reporting this company. They have not communicated with me to resolve this issue. The last communication that I had with them was on XX/XX/2018. I called twice and sent two emails. I requested to have all documentation of communication and anything relating to my case sent to me. They have chosen to simple not respond to my emails. When speaking on the phone, I was told to give them 2-3 business days. It is now the XX/XX/XXXX. They know that they are in the wrong and are refusing to work with me to correct this. The collection isnt valid and it needs to be deleted.
Product: Checking or savings account

Hello : On XX/XX/22 XXXX XXXX  XXXX and XXXX XXXXXXXX account on XXXX. These 2 individual promised to unlock the linked in account. The reason the XXXX  account was locked was due to too many pages viewed and visit from the account. I have to look for work inflation is sky high. After XXXX  over {$1700.00} on 8 different times, these XXXX XXXXXXXX and XXXX XXXX  account decided to scam me, He claimed that he is from XXXX in company but this is fradulent. You allow these two individual to be on XXXX and scheme people who are in desperate for jobs. Please refund and prosecute these 2 and the gang involved and refund asap {$1700.00}. Names : XXXX XXXX XXXX XXXX Tks. 
Account holder name XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute and request the removal of incorrect address information from my credit report. I have recently reviewed my credit report, and I have noticed that there are addresses listed that do not belong to me or are outdated. This inaccurate information is negatively impacting my credit profile and may lead to potential errors in my credit evaluation. The inaccurate addresses that I am disputing are as follows : XXXX XXXX ct XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX  XXXX Al XXXX XXXX XXXX XXXX XXXX ga XXXX I would like to emphasize that these addresses are not associated with me in any way, and I have never resided at these locations. To ensure the accuracy and fairness of my credit report, I kindly request that you promptly investigate and remove these erroneous addresses from my credit file. Enclosed with this letter, you will find copies of documents that can help verify my current and correct address : I also request that you provide me with written confirmation of the removal of these incorrect addresses from my credit report once the investigation is complete. This confirmation should be sent to the address listed above. Thank you for your prompt attention to this matter. I understand that accurate credit reporting is crucial for maintaining my financial integrity, and I trust that you will take the necessary steps to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending out multiple letters attempting to receive a response and have the information on my credit report updated correctly, I am being ignored and not given any correspondence from the bureau. I understand they have 30 days to complete their investigation and as of yet I have not received information in the mail and also I have not had the items changed to the correct status. I am very distressed and in need of some correspondence. I sent letters on XX/XX/20 and after not receiving any results I followed up with an additional letter XX/XX/20. It is now XXXX and I have heard nothing. I will be sending out another letter to attempt to have these erroneous items addressed and hope to receive a response and corrections. I will also attach the letter I am sending today. Thank you.
Product: Debt collection

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : DIVERSIFIED CONSULTANTS INC. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019 at XXXX XXXX. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 47 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and DIVERSIFIED CONSULTANTS, INC. have NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
Product: Credit reporting or other personal consumer reports

Experian recently investigated an account on my credit report. I disagree with the findings and the fact that the account is still on my report. This account is affecting my ability to obtain credit due to its inaccuracy. Please promptly Re-Investigate the following account XXXX XXXX XXXX XXXX XXXX . Please act in accordance with the Fair Credit Reporting Act, Public law 91-508, Title VI- Section 611 ( a-d ) when dealing with this matter. After investigation is finished please provide me with all business names and addresses that you used to verify this information so that I can follow up with them to verify. Thank You
Product: Student loan

I made payments to XXXX and Mohela during the pandemic student loan payment pause period which totaled over {$3000.00}. By my calculation, the total is 9 payments of {$170.00} and 2 payments of {$220.00} made to XXXX, followed by one payment of {$220.00} to Mohela after they acquired my account from XXXX in mid 2022. I am attempting to get all 12 payments refunded to me under the COVID-related ruling that allows refunds of unneccessary payments made during the pandemic. 

In XX/XX/2022, I called Mohela and requested all 12 payments be refunded to me. I was informed that the refund was being processed and would take about 30 days. 

By XX/XX/XXXX I had not received the refund, so I called Mohela again. They informed me that a check was in the mail to me, and later that day I received one payment of {$220.00} refunded to my bank account automatically. They informed me during that same phone call that the refund of the remaining 11 payments would follow in about 45 business days because they were made to XXXX, so they would be " coming from XXXX 's system ''. 

It is now XX/XX/XXXX, and I still have not received any of the 11 payments ( almost {$3000.00} ) refund that is owed to me. XXXX 's customer service contact lines have been closed down since the account was transferred to Mohela, so I contacted Mohela again today to ask what the delay is. They informed me that my refund request is marked " in progress '' in their system, that it is delayed indefinitely until XXXX processes it, and that they have no way of contacting anyone at XXXX or referring me to anyone to check on its progress or get any information whatsoever on when to expect the refund. 

They told me the best advice they can offer is for me to call them back regularly to check on the status of the payment.
Product: Credit card

XXXX XX/XX/year> XXXX p.m. : Received a text from Bank of America showing my credit card was charged {$690.00} at XXXX XXXX XX/XX/year> XXXX p.m. : Called Bank that it was not me who used the card XXXX XX/XX/year> : A charge of {$690.00} was posted on my credit card account. 
XXXX XX/XX/year> : Bank reimbursed me for {$690.00} XXXX XX/XX/year> midnight : The Bank reversed the credit and charged {$690.00} with an inbox message. The report said " charge ( s ) was made using one of your verified devices, like a cell phone or tablet. '' and to call the bank for copies of documents they used to make this decision. 
XXXX XX/XX/year> : I called the bank at XXXX a.m. ( they open at XXXX a.m. ) and asked for copies of documents, but none were available. They said they would re-open the dispute, but I still have to pay the {$690.00} charge. 
XXXX XXXX : I filed a police report saying someone else had used my card at XXXX online. 
XXXX XXXX : Provided the bank with the police report. 
As of XXXX XX/XX/year> : I still have a {$690.00} charge on my credit card account that I am supposed to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that were not authorized by me. I do not own a car, nor have I been searching for one. These inquiries appear to be from auto finance companies. I sent dispute letters to both XXXX and Transunion, that are in compliance with credit reporting laws. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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
Product: Mortgage

I have tried for several years to modify or short sale with no cooperation from the mortgage company.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to properly and accurately report this account and your neglect has violated my rights. I am demanding a deletion of the following account. 

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

The credit card company ( XXXX ) states they decreased my balance because XXXX, stated " The primary reason provide by XXXX   which impacted our decision were : Serious delinquency '' I immediately, checked my XXXX  report, and there is NO DELINQUENCIIES. 

I called XXXX Credit Card company XXXX and XXXX and they stated that XXXX  did report the above statement. But XXXX  states they did Not report that statement. 

I received a decrease because XXXX fraudulently stated the above.