23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that Ineed deleted are going to be attached in a word document. I am a victim of identity theft. I havemultiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that theseitems be deleted so my credit report will only show accurate information. I reported the theft of myidentity to the Federal Trade Commission and have enclosed copies of the report. I would like theseitems deleted from my credit report as soon as possible. Please block this information from my creditreport, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Student loan

Navient is showing that I have 4 private loans with them. I called them on XX/XX/XXXX to ask why they are still showing these loans on my account if they were discharged in bankruptcy. I filed bankruptcy in XXXX and again in XXXX. So those loans would have been automatically discharged twice. The person I spoke with said that student loans are not discharged in bankruptcy. I told her that private student loans, especially ones that are disbursed in excess of cost of attendance, are discharged. She then told me to have my attorney send them the information.

I spoke to the attorneys from both bankruptcies and they said the loans should have been automatically discharged and that they did not know what they should send to Navient and to where they should send it. I called Navient again on XX/XX/XXXX and the first person I spoke with again told me that student loans are not discharged. I explained again that private student loans that are disbursed in excess of the cost of attendance are. I asked to speak to a manager, who told me that she would forward this information to their ombudsman department and that they would get back to me within 5-7 days. It has been more than 14 days and I have not heard from them. 

The documents, including the discharge order and the petition, from the XXXX bankruptcy are attached.
Product: Credit card or prepaid card

I opened the XXXX store card on XX/XX/XXXX with a promotional offer. I received my physical card in the mail on XX/XX/XXXX and I received my statement in the mail on the XXXX of XXXX. I went online today XX/XX/XXXX to create my account and pay my bill. I was assessed a {$27.00} late fee ( 33 % of my total balance of {$81.00} ) and was informed that the statement " closed '' XX/XX/XXXX and that my payment was due 23 days later on XX/XX/XXXX just 24 days later! How can this be? I opened the card on XX/XX/XXXX and just 25 days TOTAL later from the day I opened the card, the payment was due? Then they can charge a fee that's 33 % of the balance? 

I called and they reversed the late fee and said that it " depends on when the statement closes. '' How is a customer opening a card supposed to know when the statement closes? How can a statement close the day after the card was opened? How can a late fee be 1/3 of the total balance? 

I feel their practices are deceptive. I feel that they are putting people in a bad situation. I feel that if I wasn't as on top of things as I am, I would have been out {$27.00} and had a late mark on my credit. 

I would like this practice to be investigated both internally and externally as I can't imagine I'm the only one in this situation.
Product: Bank account or service

During the billing cycle of XXXX XXXX to XXXX XXXX, XXXX, {$20.00} was taken out of my checking account. I had opened a checking and savings account in XXXX XXXX. I had a promotional interest rate on my account for six months. Due to incorrect interest rates, I left {$10000.00} in my savings account which was advised by the PNC representative as the matters was being resolved. The following month, the {$20.00} was taken out of my checking account as a charge with no explanation. No following charges were taken out. The account savings was the same type and the balance had not changed. A PNC representative stated the {$20.00} was a fee. However, the balance in XXXX accounts remained the same. We stated this and in XXXX XXXX, a PNC representative informed us the {$20.00} refund would take XXXX10 days. However we did not see it and when we called, they stated it would take 45 days. 
On XXXX XXXX, my sister and I went to PNC directly and asked for another service request to be submitted and this time we got a copy. The representative stated that the last service request was granted but the checking account was closed so PNC had no account to deposit the {$20.00} to. My savings account is still open and I asked for the money to be deposited there to which the PNC representative stated that is impossible because the money needs to be deposited into the original account. Seeing my displeasure, the representative submitted another service request, which I got a copy of. 
On XXXX XXXX, I followed up on the service request. The PNC representative stated that no money could be refunded, again stating that the checking account should have never been closed if there was money to be refunded. The situation had escalated to XXXX levels ( the manager and branch manager ) in the bank, and nothing could be done. 
The acknowledgement of taking out my {$20.00} and not giving it back because the checking account is closed does not make sense to me. The {$20.00} was originally in the checking account ; however, my savings account is open and I was informed that it would not matter if I closed the checking account.
Product: Checking or savings account

On or about XX/XX/year>, my daughter told me that she didn't have access to her Bank of America accounts. I then checked mine and I also did not have access to my Bank of America accounts. I tried logging in online and could not. I tried to reset my password and I was informed online that they had no record of my credentials. I called Bank of America 's main number on XX/XX/year>. I asked why I didn't have any access to my accounts and I was told that the bank was closing my accounts. I asked why and the only thing that they could tell me that it was a " business decision. '' I have no idea why they closed my accounts. I don't know of anything that I did that would warrant closure of my accounts. Also, I was told that I can't open another Bank of America account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022, 15 U.S.C. 1681 ( a ) ( 4 ), and 15 U.S.C. 1681b ( a ) ( 2 ). I never expressed a written or verbal consensus granting permissible purpose to publicly report the listed accounts and inquiries. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2019, I emailed a request for name change with all requested documents ( requested by Amerihome Mortgage, my mortgage provider ). Their reference number : XXXX-XXXX. They did not process my paperwork as of today 's date : XX/XX/2019. 

Further, on XX/XX/2019 I emailed a request to draft my payments from a new account. Their reference number : XXXX-XXXX. They did not process my paperwork as of today 's date : XX/XX/2019. 

I spent 20 minutes on the phone with them ( one line staff, one supervisor ) today trying to resolve this issue. They claim they sent the draft change today for processing and could not find the name change document. 

They are unresponsive, waste my time, and I'd like to waste theirs by having to respond to you about their lack of service.
Product: Debt collection

XXXX apartments ( XXXX Florida ), which I rented from. All my payments were made on time. They are charging me this extra money, which I do n't know what it is for. I checked my credit report and it says that it was sent to a collection agency, however, I never received any notification of the debt to begin with. I do not owe them any money
Product: Credit card or prepaid card

Bluebird through American Express ( Amex ) sent me an email with no actual evidence or detail as to why my account was permanently suspended they said that I had to mail a letter asking why the terms and agreement was violated as well as ask them to refund all the direct deposits which is all of my unemployment insurance benefits which help with food clothing and housing and Im XXXX  without it and they wont get give me any details as to why, I sent the letter not to long ago and am waiting for a response as the email came out of nowhere and Id only use the card to collect unemployment insurance and spend on hotel, food and other crucial things. No one has access to the card but me and I had a bit over XXXX on it last use so no this is outrageous.
Product: Credit reporting or other personal consumer reports

While I am ensuring my credit reports are reporting accurate information. I am seeing some inquiries that I do not recognize or have not made. I believe someone used my information to try to obtain credit. I was receiving many notifications about my information entering into many data breaches.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXXXXXX XXXX XXXX  XXXX and Credit Reporting Agencies ( CRAs ) XXXX, XXXX and TransUnion for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, 2 salespersons from XXXX XXXX XXXX XXXX, XXXX XXXX came into my home to do a XXXX XXXX  demonstration with the intent to try and sell the system to me. After completing the demonstration, they offered me with 2 financing options through Belmont Finance LLC to purchase the XXXX XXXX. The salesperson then asked for my, or my fiance 's social security number to " put it under one of our names. '' They said it is a " light inquiry '' that will fall off in a couple of days, and let us know that this inquiry was unlike an inquiry when shopping for cars where the credit is sent off to multiple lenders for approval. Without acquiring permissible purpose to pull credit via a hard inquiry, they submitted my information to Belmont Finance , LLC for credit purposes without making it clear to me as a consumer the nature of the inquiry.
Product: Credit reporting 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent unverifiable information that is injuring my reputation and causing me harm. They are reporting a fraudulent account from XXXXL with account number XXXX that I have never seen nor signed before. I have asked for validation and never received the validation. I needed to see original signed tri-lateral contract along with the XXXX XXXX records that created this account. The account is currently listed as closed but showing an original balance of {$3200.00} and went up to {$320000.00} on XX/XX/2022. I received a drop in scores due to the addition to this false debt and I got an alert to say the balance on this account has increased. How can a closed account still have activity and ruining my reputation? They are inaccurately reporting a foreclosure on an unverified, unvalidated and inaccurate fraudulent account that I didn't sign. There are no tri-lateral signed contracts for this fraudulent account number. I need this account number removed from my consumer report immediately. They are making it hard for me to participate in commerce as a consumer and I can not extend credit as required by law to facilitate trade.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide Recovery Service is in violating HIPPA right by reporting a debt by XXXX XXXX XXXX by XXXX. I went to the doctor for a very personal matter and I do not appreciate ever person/company that looks at my credit report to know about my visit to the urgent care facility. It is very humiliating and embarrassing. I am prepared to take legal action against Nationwide Recovery Service and XXXX XXXX XXXX for causing me emotional distress and violating my rights. At this point it's not the measly {$170.00} it's about the fact that they are displaying my personal health for the world to see.
Product: Credit card or prepaid card

I have been a customer with Capital One Visa for over 18 years. Never have I been late on a payment. I submitted a credit line increase request on XX/XX/XXXX. Capital One declined my increase, stated credit score was too low, BUT the letter ( attached ) shows they used a credit score from  XX/XX/XXXX, over 60 days old. My credit score was 100+ points higher on XX/XX/XXXX. 

I called Capital One. They told me to resubmit my request. I resubmitted my Credit Line increase request on XX/XX/XXXX. Capital One again declined my request, AND as shown in the second attached letter, Capital One again used the same OUTDATED information from XX/XX/XXXX. 

I submitted a third request on XX/XX/XXXX. Request was denied again, but AGAIN, as shown in the third attachment, Capital One still used information from XX/XX/XXXX. Why is Capital One refusing to use current information to make a decision?? Why is Capital One purposefully using a credit score that is over 90 days old? 

Furthermore, I find it infuriating that after 18 years of being a faithful, loyal customer, Capital One can not even give me the basic courtesy of processing my Credit Line Increase request by using CURRENT credit report information. 

Again, my score in XXXX, XXXX and XX/XX/XXXX is over 100+ points higher than the information/score Capital One is  using from XX/XX/XXXX. I feel it is unfair and DISHONEST for Capital One to use outdated information from XX/XX/XXXX to review a Credit Line Increase requested on XX/XX/XXXX.

I would encourage anyone reading this post to thing long and hard before becoming a Capital One customer. If they will treat a loyal customer of 18+ years like this, imagine how they will treat a brand new customer.
Product: Credit reporting or other personal consumer reports

as of XX/XX/XXXX Experian has reported 30 days late payments on my mortgage to XXXX XXXX XXXX. Experian credit reporting has caused unfavorable actions of creditworthiness, credit standing, credit capacity, character general reputation, personal characteristics has also affected credit of insurance to be used primarily for personal, family household purposes. I have sent in disputes that have come back with the same issue of XXXX late payments after the reinvestigation of my disputes. Here are the following late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no other recourse but to ask for help from Consumer Financial Protection Bureau.
Product: Checking or savings account

Hi goodmorning, my name is XXXX XXXX & today im reaching out to you due to a little problem im having. So i was given a state lawsuit, you probably would know about the XXXX  settlement lawsuit witch was recently given out around last week of XXXX. I was recently out the country getting XXXX XXXX XXXX XXXX XXXX i knew i was not going to be back so soon so i had my girlfriend send me the XXXX check with a relative who was soon coming, i signed the check and got a signed letter giving my girlfriend of XXXX  year relationship, permission for her to cash it for me. Okey so she was able to cash it for me i told her to Put XXXX XXXX XXXX XXXX aside so we could take care of things & move out then i told her to put XXXX XXXX away somewhere safe witch i would need to pay for my XXXX and im due for my appointment on XX/XX/XXXX witch would would be next thursday at XXXX XXXX. I dont have no family back in my country at the moment So i needed someone with me so i actually paid her flight to come take care of me, she lasted XXXX months and XXXX weeks, then i had to send her back last week to be able to go take out my money and send it to me. But unfortunately when she tried to get me my money witch was in her savings account cus she hasnt been working since she XXXX XXXX they mentioned something about some fraud being done on her account, witch we think its her older son but he hasnt yet admit to it. This is a really big issue now because i had the money exact for my XXXX. Thank you for taking the time and hearing me out today Godbless you and your family and have yaself a wonderful day as well. 

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

I applied for a refinance loan with my mortgage company XXXX XXXX and they pulled my credit report and advised of an existing auto loan. I advised them that i have never obtainened this loan. I disputed with experian as well as the consumer which is Westlake Financial. This account does not belong to me it is account number XXXX. I would like for this to be taken out of my credit report because it does not belong to me. Also another account with Wilshire Consumer Credit account that starts with XXXX was opened and i just requested to dispute with XXXX yesterday XX/XX/2022. I have no idea why these 2 accounts have appeared on my credit report but they are not my accounts. 

Westlake Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX or XXXX Wilshire Consumer Credit XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX I have emailed Westlake financial and have disputed the accounts with XXXX
Product: Debt collection

Remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. Please remove.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts, as there appears to be a misunderstanding about their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their return, nor have I received any communication about this by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and now I have hard inquiries on my credit report that werent authorize.
Product: Credit card or prepaid card

I have disputed these accounts through US mail, E-mails- Credit Agencies and etc. I have reached out dozens of time sand still get the same response. These are not m, y accounts. I did not open or apply for any of these accounts. The address that opened these accounts is a different apartment number. This was fraud and I have had everything from cell phones to credit cards opened without my knowledge I have sent copies of my identity theft report and my complaint and still nothing. 
Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is an FCRA violation also open to damages collected from you by me. 

I expect to receive the proof requested above, within 10 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

If you have true and accurate proof of this alleged debt, you may send it to me by mail in the form of complete and accurate billing, and payment and account history as allowed to be under federal law.