23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Comenity Bank refused my application for a XXXX XXXX XXXX XXXX Mastercard account. I requested my credit report to see why. Comenity claims they declined my request because of " Delinquent past/present credit obligation and limited credit experience. '' But the XXXX report they used to make this determination shows that I : a ) Have paid 112 % and 121 % of the monthly payment amount on XXXX of XXXX student loan accounts for the past 74 and 55 months respectively, and paid the remaining account off in full 8 years ahead of schedule, b ) Have never been delinquent on 22 of 22 auto payments to date, and c ) Have never been delinquent or carried a balance on XXXX of XXXX credit cards for 99 of 99 months, 53 of 53 months, 52 of 52 months, and 39 of 39 months respectively. 

Comenity also said they declined my request because of the " number of recent inquiries, '' but XXXX shows only XXXX pulls in the past 3 years ; XXXX for the credit application referenced in this complaint, and the remaining XXXX initiated by lenders -- not me. 

Finally, Comenity said they declined my request because they were " unable to verify credit [ my ] history, '' but XXXX reflects loans and revolving credit dating back years, all of it paid on time or indeed, early. The XXXX report also shows XXXX loans from " XXXX XXXX '' that were delinquent ; however, I do not recognize them, do not believe they are mine, and have been trying without success to get XXXX to remove them for years. ) I wish to understand why Comenity made claims about my credit history that are not backed up by the XXXX report they used, which shows my history of making payments ahead of schedule for my student loans or paying them off entirely years in advance, and my never having made been delinquent or carrying a balance on any of my credit cards. I feel Comenity first made its decision to decline my application and then attempted to justify it assuming that I would not verify their claims against the credit report they referenced.
Product: Student loan

Issue : Mohela is not correctly processing my PSLF application for XXXX XXXXXXXX XXXX XXXX The application was submitted to Mohela on XX/XX/. They mentioned it may take a few months to process, but all other employers were approved besides XXXX XXXXXXXX XXXX XXXX. On XX/XX/ we called Mohela and spoke to a gentleman named XXXX. He mentioned that the application did not have any issues and he was unsure the reason it was denied. I explained how the employer was closed and offered to submit any additional documents needed. After uploading multiple documents including W2s forms, and other proving it was a non for profit there has been no updates. Every time we have called since we are instructed to be patient because a review is underway. My PSLF application is being wrongfully denied and because of this I am unable to receive my forgiveness. I have also been in contact with my local congressman for assistants on how to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Bureau is reporting inaccurate information on CCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported multiple times to all Credit Reporting Companies ( Equifax, XXXX, and XXXX ) that XX/XX/XXXX Account # XXXX has me late 60 days XX/XX/XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute requests on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX to XXXX, Equifax and XXXX  regarding the reporting of fraudulent and incorrect information on my consumer credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax, XXXX is 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 consumer credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX, Equifax, XXXX failure to positively verify these accounts { see page 2 XXXX, have hurt my ability to obtain consumer credit. Under the FCRA, unverifiable accounts must be removed. 

I demand that the below accounts be removed immediately : The following account are not mine. Please remove from my XXXX, Equifax, XXXX Consumer Credit Report. 


XXXX. XXXX Account # XXXX XXXX {$16000.00} Date Open : XX/XX/XXXX XXXX. XXXX XXXX Account # XXXX Balance {$12000.00} Date Open : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$43000.00} Date Open : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # XXXX Balance {$24000.00} Date Open : XX/XX/XXXX XXXX. XXXX Bank Account # XXXX Balance {$1800.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX XXXX {$11000.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$1600.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$8700.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX XXXX {$1900.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$0.00} Credit Limit {$1500.00} Date Open : XX/XX/XXXX 2018
Product: Debt collection

To : Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint against LVNV FUNDING Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV FUNDING for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that LVNV FUNDING placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with LVNV FUNDING, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that LVNV FUNDING provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If LVNV FUNDING is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with LVNV FUNDING is blatantly false. I neither received any services or products from LVNV FUNDING nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 
Moreover, it has come to my attention that LVNV FUNDING is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of LVNV FUNDING constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 
Please keep me informed about the progress of this complaint, and want to thank you for your time! 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have tax Leins on my credit reports, that should have been remove by XXXX XXXX, 2017. They have aready been released from XXXX XXXX an Equifax, but no matter how hard I try to get them remove them they wo n't. I guess the credit bureaus are above the law. I have but up a hard fight to correct my credit, but feel I 'm fighting a losing battle. I 'm just the little guy trying to get things corrected, it 's not like I 'm asking for any favors. I just want them to follow the law, which I 've done extensive research on. I am XXXX and should n't be made to undergo this much XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been battling Equifax for the past 3 years about this on going issue with them not providing me my credit report. I have attempted several times through annual credit report to obtain the information on my file that Equifax has with no resolve. I have received correspondence from them at the address they state they can not send my information to. I get on the phone with their customer service representatives and verify all information about myself/ identity and still the same results. At this point I am ready to pursue litigation. The representatives have admitted that my identification documents have been received yet they still fail to provide me with the consumer reports that I am entitled to receive. Furthermore I am a person that was affected by their largest data breach and they still wont comply with what they said they would do. This is not the first time that I have made this complaint through CPFB. As a federally protected consumer my rights are being violated continually. If I am not able to obtain my credit report how can I verify that what is being reported is accurate? Why should I have to pay a 3rd party vendor to receive a report that is supposed to be free and may not contain everything they have listed. The FCRA 15 USC 1681 makes it very clear that I am allowed access to my information they have stored, that they report. Additionally, as a victim of identity fraud caused by family members and others I am not going to send in copies my personal identification or social security card again when it has been verified they have it on file already. Also they have repeatedly refused to change the incorrect variations of the spelling of my name in their system. The only name that I want on my credit report is XXXX XXXX. No other variations, especially since they have had data breaches.
Product: Debt collection

I never signed the documents that they are claiming I did. My signature is not to be seen anywhere on those contracts. Just a letter B handwritten. Someone else opened the account fraudulently
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 customer Reporting agency cannfurnish a account without my written instructions.
Product: Debt collection

On XX/XX/23 I received notice that there was a change to my credit report. Upon further investigation, I had a collections account opened for the sum of {$270.00}, by Columbia Debt Recovery a.k.a Genesis. 

I was immediately filled with anxiety and distress as I had no idea such a balance was even being collected, let alone being reported to my credit agencies. 

To date ( as of XX/XX/23 ), I have received 0 phone calls regarding this alleged debt. I did not receive any mail claiming that I owed, a financial statement for proof, or received a notification of my rights. I had been given no time to make any dispute claims, or a chance to verify this alleged debt. I believe, personally, this was a malicious and intentional action by Columbia Debt Recovery to scare and harass me into paying an amount I do not owe. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have certain rights afforded to me in situations like this, rights that Columbia Debt Recovery has willfully violated. Most glaring, I did not receive any written notice upon their initial attempt to collect, or have been contacted in any way for that matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have attached a copy of my filed police report and FTC report. I have never did any business or obtained any credit with XXXX Transunion is the only credit bureau that is reporting this debt, Transunion needs to follow suit and remove as this was found to be falsely reporting. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ). By law the consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses they are not my addresses ; I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$5300.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

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

I am having issues with Macy 's. I spoke with them on XX/XX/2021 and they inform me that they are no longer collecting on my account. If they arent collecting on this then I feel it should not be on report. I have trying disputing this too and they still will not do anything also this is over 7 years old. Can you explain to me why they are still reporting this? I hope you can help resolve this issues with and get this remove from my reports
Product: Prepaid card

Rush card has not been posting my deposits the past XXXX pay periods, so this has been going on for a month. I received my last deposit 2 days late. I live paycheck to paycheck, and have been forced to borrow money to be able to get back and forth to work. I am getting late fees due to not making payments as planned. I plan my bills with my pay dates. Something must be done, I am reading all over the internet that many people are having the same problems. I ca n't access my online banking, nor can I get thru to the bank. I have held over XXXX hours to be disconnected. Very frustrated and it seems they are not fixing the problems.
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, phone XXXX, the sole owner of used car dealership XXXXXXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX NJ XXXX, ask for your help to find cyber scammers who got my money. My TD Bank and XXXXXXXX XXXX where money where wired did reject to help me. On Wed, XX/XX/ at XXXXXXXX XXXX I purchased a vehicle for my customer at XXXXXXXX XXXX XXXX through website XXXX I went to their contact page at XXXX XXXX XXXX picked email XXXX and sent them request to provide me wire transfer instructions how they want me to pay for the purchase. During the correspondence, somehow my contact was intercepted by the attackers and they, on behalf of XXXX, gave me an incorrect bank account for transferring money. Visually you could not find a difference between real and fake XXXX emails. We found it only XX/XX/XXXX  during the internal investigation. I sent a wire transfer of {$88000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX ) to the fake bank account in XXXX XXXX  belongs to fake XXXX XXXX, criminals gave me. In fact, I lost all my money. 
Yes, it was my mistake, I could not recognize the scammers. But their playing was very professional. It was impossible. I absolutely do not believe that in the digital age it is impossible to find criminals who stole digital money transfers. It is especially important to understand that this was a domestic transfer, not an international one. Someone registered a company, opened an account, and received money. Even if the money was then transferred abroad to the United States, these are still digital transfers. It's impossible to hide your tracks. Sooner or later, this money still had to be cashed by some specific people. The refusal of banks to help looks like laziness and complete unwillingness of banks to cooperate and help their clients in very difficult situations. 

There are lots of legal actions done by myself already : 1 ) Local police report # XXXX was filed at XXXX XXXX XXXX XXXX NJ Police department XXXX XX/XX/ 2 ) FBI Complaint was filed at XXXX on XXXX 3 ) On XX/XX/ I stopped by at my TD Bank at XXXX XXXXXXXX XXXX XXXX XXXX  NJ XXXX, ( XXXX ) XXXX ( XXXX ) and asked them to find any kind of information and opportunity how to return the payment 3 ) XXXX Case number XXXX has been created XX/XX/XXXX  for XXXX. 
Information requested from XXXX : all access date, IPs, Location and devises and also any kind of suspicious activities on my account XXXX during the XXXX, XXXX and XX/XX/XXXX XXXX 
4 ) This is the list of fake emails belonging to cyber criminals. 
XXXX XXXX XXXX 5 ) Copy of all the paperwork and reports sent to National Security Agency by mail by USPS XXXX on XX/XX/ Any additional paperwork is available upon request. I am attaching some of the paperwork, but I have more than 40 extra files ( more then 100 pages ) with everything including email conversation with suspects. 

Please help me to get my money back. I put all my family savings into this transaction to cover by clients purchase on time and now I am totally broken. 
Thank you.
Product: Credit card or prepaid card

There was an alert I received from XXXX of a new credit card line called AFFRIM INC. with an address attached that I have no knowledge of. I called and placed a freeze on my account with XXXX. Disputed with fraud dept at XXXX for address linked to AFFIRM , INC account opened and for Address I have never lived. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I contacted AFFIRM, INC. they were not able to search me with all my correct information. Fraud Report was created there as well. 
Date account was opened was XX/XX/2022 and states there is a balance of {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the fair credit reporting act, I requested that the credit bureaus send me documents verifying an account that is on my credit report. It was mailed on XX/XX/XXXX, I still have not received a response.
Product: Debt collection

I will describe my complaint in short but accurate detail. See attachment for full details. 
The Original creditor, Continental Finance sent me XXXX emails stating that the account was charged off and sold to : Email dated XXXX XXXX ( XXXX. ) XXXX XXXX XXXX XXXX XXXX Email dated XX/XX/2017 ( XXXX. ) XXXX XXXX, XXXX. Both emails states that I should refer any future questions I have regarding the account to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. That is misleading, and deceptive practice. Violation of the ( FDCPA ). 
Continental Finance continue to report onto my credit report making it seems that I owe them. This reporting has been going on for XXXX years. This reporting is a detriment to my credit and character. 

Also. XXXX furnished my private and personal information to two debt collectors without my permission. Violation of the ( FCA ). See attachments for full details.