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

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per 15 USC code 1681S-2 ( a ) ( 1 ) ( a ( & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflecting on my personal credit reports as they violate my rights as a federally protected consumer. Per the US Codes provided, they summarize that it is NONPERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes as identity theft. As a federally protected consumer, I am demanding the deletion and removal of ALL the listed accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a recent experience I had with Bank of America while applying for their special credit card for teachers, as advertised on the XXXX website. 

I have an excellent credit score and filled out the online application confidently. However, I encountered several issues that raised concerns about potential discriminatory practices : Dual Citizenship Question : The application asked if I have dual citizenship, which seemed irrelevant since I had already confirmed my status as an American. This felt like an unnecessary and discriminatory query. 

Identity Verification Over the Phone : Upon calling to verify my application, the representative attempted to confirm my identity by calling my cellphone. Despite having my phone with me, the representative claimed the call went unanswered. He then informed me that my application was denied and I would receive a letter explaining the decision. It appears that my credit score was never checked, as confirmed by my credit report. 

Potential BiaXXXX : The only additional information the representative had was that I am a XXXX with a strong XXXX accent. Despite this, my application was denied, while an application for an XXXX XXXX credit card was approved within five minutes. 

These experiences suggest that the denial of my application may have been based on bias, rather than my creditworthiness. This has caused me significant XXXX and inconvenience, as I am now without the benefits that my colleagues enjoy. 

I believe it is important to address this issue to ensure fair treatment and prevent such discriminatory practices in the future. I kindly request that the CFPB investigate this matter and take appropriate action to address these concerns. 

Thank you for your attention and assistance. 

Best regards,
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

AS OF XX/XX/XXXX ..... 
THESE ARE INQUIRIES BELOW! 
Here are the inquiries u XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EXPERIAN and disputed account name : XXXX XXXX XXXX account # XXXX for reporting obvious inaccurate 2x 120 days late for XX/XX/XXXX and XX/XX/XXXX on my credit report which is in clear violation of the FCRA LAW and my RIGHTS I disputed the above account on my credit report with EXPERIAN on XX/XX/XXXX on XX/XX/XXXX I pulled my credit report and the inaccurate late payments were removed from my credit report which I have highlighted and attached to this dispute I pulled my credit report today XXXX XXXX with EXPERIAN and noticed the inaccurate information of 2x 120 days late was placed back on my credit report on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX which I have attached to this dispute as well I have been in contact with the creditor of this account which is XXXX XXXX every rep and supervisor i spoke to said this is incorrect and they never reported any late payments for this account they also sent me my payment history for this account that clearly shows all payments are on time which I have attached the documentation proof also to this dispute. Based on the following listed Laws please have this incorrect information removed and deleted from my credit report immediately : 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Product: Debt collection

I received a text message. I contacted the company. The lady on the first told me it was for a date of service in XXXX. Then told me it was for a date of service of XXXX. The statute of limitations for medical debt in XXXX is XXXX  years. When I told her that, she told me that I had other dates of service up to XXXX and insisted that I make a payment to take care of this debt. I refused. 

In addition to this, the only communication I received was a text message stating to contact them for important information. There was no communication saying that I could dispute the debt and all of my attempts to do so via phone were met with I understand, but you owe this money. When I told her that I wanted to verify with my EOBs and the company who supposedly sold the debt to them, she said that I should go ahead and take care of it today so that I dont have to worry about it anymore. 

If it is my right to dispute the debt, then I should be given time to look into it. The first time I heard from this company was with the text message and then the subsequent phone call that I feel I was tricked into making from the text message. 

I attached the screenshot of the text message. This is the only communication I received about this debt prior to the phone call. It should be noted that at the end of the call, she wouldnt let me off the phone before she verified my address and phone number. I dont know if this is allowed either, but I wanted to note it in case. 

The lady was very aggressive about collecting the payment without me being able to verify the debt.
Product: Credit card

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 
The fraudulent, inaccurate, and false information consists of : A Discover bank credit card reported on XX/XX/XXXX with a credit limit of {$1500.00}. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my credit report. I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. Attached are a list of the fraudulent items and a copy of my credit report showing these items. I also provide a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud. 
What would be a fair resolution to this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. was hacked and my personal information, including my SSN, was compromised. I am open to social security and identity fraud. I now will have to actively monitor my credit report for decades now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with XXXX directly and have disputed the balance shown *twice* already. Rather than fixing the error, XXXX 's solution seems to be to drop back a month and report an even higher incorrect balance to Equifax. Twice they have reported to Equifax that they are reporting correctly but clearly they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me my wallet was stolen and these accounts were opened I have filed reports but these accounts are still showing on my report this is keeping me from getting a mortgage I have informed the company and all 3 credit bureaus of this multiple times
Product: Debt collection

I am writing to bring to your attention an urgent matter regarding my account with Jefferson Capital, number XXXX. According to the information I received, there is an open balance of {$2700.00} from a creditor. 

I was recently informed that a collection agency has submitted documents to the courts to initiate garnishment without my prior knowledge. Had I not received a letter from a lawyer regarding representation, I would still be unaware of this situation. 

I would appreciate your prompt assistance in addressing this matter. Please let me know how we can proceed to resolve this issue. 

Thank you for your attention to this urgent matter. 
XXXX XXXX
Product: Mortgage

I requested for a Covid-19 Loan Modification with the servicer. The servicer approved the Covid -19 Loan Modification but did not give me the required 14 days to review and return the Loan modification documentation. I then called the servicer after realizing that i the payments were going to be to much and the servicer told me that due to the rising interest rates my mortgage payments would be higher. I asked the servicer if i could get the partial claim modification and the sericer told me no. I then told the servicer that i was not given the required 14 day as allowed by law to review and return the documentataion and the servicer said that i had until XX/XX/XXXX to return the documents along with the first two payments. I then told the servicer that i would do that after i reviewed the documents. XXXX days later i received in the mail a Notice of Denial due to my refusal of the offer. I never denied any offer of the Covid 19 Loan Modification. After reviewing my account with the servicer on the servicers website i found that the servicer put me on a repayment plan that i did not agree to nor did i sign a contract to repay XXXX. I thought that was the whole point for the Covid-19 Loan Modification Plan was to reduce the mortgage payment. When i did finally get off from work to get the documents notorized and signed i find out that the servicer has my wife`s name wrong on the documents and as a result i could not get the documents notarized due to the servicers error. After several emails and phone calls to the servicer i am still no closer to getting the correct documents from the servicer and i am still on a plan that i did not agree to nor can i afford. After reading the Loan modification documents i found that mortgage payments have not been applied to my mortgage by the privious mortgage servicer nor by this servicer after the mortgage was transferred to this new servicer. I sent to the servicer a Quilified Written Request XXXX weeks ago and still i have heard nothing. This is a violation of law. The servicer is suppose to acknowlegde that they recived my QWR within five days. The servicer has not acknowledged this. Can you help me get a Covid 19 Loan Modification from this servicer i can afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW INFORMATION ON COMPLAINT please review attachments, this is a very serious matter I'm affected by identity theft fraud and accounts listed on my FTC report is damaging my reputation and my credit ability please remove from my credit file. fraudulent account listed : XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX XXXX # XXXX .... I called Experian about this matter and mailed in a dispute but Experian failed to make sure ACCURACY of this account was 100 % AND THE investigation wasn't fair
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 Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Mortgage

This is a follow up to complaint XXXX. 

In response to my complaint against SPS ( Select Portfolio Servicing , Inc. ) they sent me a letter stating I am in default on my loan. 
Not only is this completely false, it is punitive and retaliatory and completely unacceptable. 

It appears that SPS is demanding that we pay our entire mortgage in full by XX/XX/XXXX, which is not going to happen. I am submitting my timeline with this incredibly inept loan servicer which has completely screwed up my loan from day one, along with the new threatening letter. 

Looking at more than 1200 complaints against this company on the CFPB site, it's pretty clear we'll be needing a lawyer.
Product: Checking or savings account

On XX/XX/2022 my " Chime '' bank account was suddenly closed without notification. My federal tax refund in the amount of {$21000.00} was sent to that account, and then the account immediately closed without any notification. I tried relentlessly to get in contact with Chime via phone and several emails with no response. To be specific the company is www.chime.com.
Product: Debt collection

On XXXX, I paid {$740.00} to Medical Data Systems to settle a debt that Medical Data Systems had purchased from a hospital in XXXX, Texas. ( Email proof of payment attached in documents ) On XXXX, I received a letter in the mail from XXXX XXXX ( attached in documents ) suggesting that I owe them {$730.00} for the same debt that I already paid to Medical Data Systems a year ago. 

I contacted XXXX XXXX informing them that I had already paid the debt. They told me I need to show them verification, so I emailed them the proof of payment emails and they have been unresponsive ever since. After doing some research, I discovered that this is a scheme that XXXX XXXX has been participating in frequently over the past year. And I came to discover that their false claim appeared on my credit report two months ago and has already had an adverse effect on my credit.
Product: Credit reporting or other personal consumer reports

I have submitted complaints to you begining XX/XX/XXXX  then XX/XX/, then XX/XX/XXXX  and now XX/XX/XXXX  about EXPERIAN not correcting my report. I have ran my credit again this morning and the following are still on my report. The have reinvestaged some and put incorrect status it has been more than 30 days which is against the law per document I have attached. I am reporting this to the Attonery General Inquiries 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 included a letter from them to remove these which i also uploaded to experian and it is still on report shos they do nothing and this was sent to them two months ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine requested proof sent letter of valadation proof XXXX this was a secured card that i paid XXXX deposit I owe them nothem I want documents havent gotten XXXX I have sent them cerified and I have signature they got it sking  for all transations and statements of were my payments went I paid them on time on Ach AND THEN THEY WOULD CHARGE ME LATE FEES AND SAY IT DIDNT OAY WHEN I DID, Then experian states it is accurate XXXX XXXX i requested a signed copy of contract which I havent gotten
Product: Checking or savings account

I went to an atm to withdrawal {$400.00} and then {$80.00}. The atm failed to dispense cash to me. After I reported the issue the company now looks like theyre closing my account by telling me to withdrawal all my funds within the next 10 days instead of investigating it. I even have viewed cctv footage from XXXX showing none was dispensed
Product: Vehicle loan or lease

I was called by Key bank in XX/XX/XXXX stating that my XX/XX/XXXX payment was reversed for some unknown reason and was now 30 days late. I make elcetronic payment from my checking account and have done so without issue or change since XX/XX/XXXX. I contacted my checking financial institution and received verification of payment being made and no reversal of funds being returned to my account. I then faxed this information to Key bank and was told the matter would then be investigated. Made my XX/XX/XXXX payment and it was applied to my alleged XX/XX/XXXX missed payment and continued to receive phone calls and notice with late fees for a missed payment. We i speak to customer service at Key Bank I'm told they are still investigating and I should make payment to bring the account current. I refuse to make any additional payments until they find the money that was already sent to them with proof of receiving it.
Product: Checking or savings account

CITI FREEZES MY ASSETS FOR 120 DAYS AND PROVIDED NO CLEAR EXPLANATION ( This is a DESPERATE CRY FOR HELP because I don't know what else to do.All attempts to resolve this with Citi came to dead ends. ) My family savings account has been frozen since XXXX. I was told by Citi that I could resolve it by calling the Fraud Department, but after making a lot of calls ( about 20 by now ) I was told the account is in " review '' by the " back office '' with no way to contact and that it is " marked for closure ''. But none of them can tell me why nor provided a way to resolve it. I was told to wait for 30-60 days for them to contact me with the reason. 

In XXXX ( 60 days after the account was frozen ), I received a letter ( attached ) with cryptic message saying " We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending XXXX  and your other related Citibank accounts. Based on this decision, we have taken steps to terminate your banking relationship ( s ) with Citibank. '' So after 60 days of locking my asset, Citi still does not provide clear explanation whatsoever as to why my account was locked and marked for closure. 

I made another call provided by the letter ( Fraud Prevention dept ) and was told ( again ) that the decision was made by the " back office '' and that they do not take any calls. 

Worse yet, the letter says that the account closure will take up to 60 days. So basically Citi has no problem holding my money for 120 days but is unable to provide a sound explanation as to why. 

That is also 120 days of me unable to access my family 's savings that I really need especially during this time when businesses are closing and family 's are struggling. 

Because of this, I had to take a loan with high interest. 

I don't know what else to do here or who else to contact. We don't have a branch in my state. Citi Fraud Prevention is clueless. The " back office '' is unreachable. Citi Executive Response Team is unable to help. 

CFPB, please help us regular people and investigate Citi 's irresponsible asset mishandling under the disguise of " fraud prevention review ''.
Product: Credit reporting

Hi, I was charged without my awareness {$4200.00} as of XX/XX/2015I never seen a Doctor or signed any document regarding any medical treatment. 
Somebody is using my name and ruing my credit. Please help. 
This is the company 's information below. 
XXXX XXXX XXXX {$4200.00} as of XXXX account. {$4200.00} past due as of XXXX XX/XX/XXXX 




XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX