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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient purchased my loan from XXXX XXXX three years ago. When they completed the purchase and shortly after my loans were deferred due to being out of work. For one entire year they failed to inform me that the loan was no longer deferred according to their records. I was NOT informed of this. As a result, I was subjected to negative credit reporting which has ruined my chances of purchasing a home. I asked them to update due to their error in reporting and they refused.
Product: Checking or savings account

XX/XX/XXXX chime closed my account asked me to send in information I did that they informed me they will send the funds XXXX back to XXXX XXXX which they never did they blocked me from calling sent an email that they will keep my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested copy of XXXX Report to show bankruptcy is not on credit file. Experian, XXXX, and XXXX  advised they receive information regarding Public record from XXXX. Sent dispute to Experian, XXXX, and XXXX  regarding the information on credit file is incorrect. They advised the information is correct. Ordered another copy of file from XXXX XXXX and sending information over to CFPB to address the inaccuracy of information regarding public record on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX XXXX XXXX credit card using the XXXX XXXX XXXX website ( XXXX XXXX XXXX  ) that took me to Synchrony Bank Application XXXX https : //etail.mysynchrony.com/eapply/eapply.action ) that I completed on XXXX XX/XX/2020. My application was not approved the same day. This is the first time in my life that I did not have credit approved. My XXXX score on the date of application was XXXX XXXX from XXXX ). 

I followed the instructions on the XXXX XXXX XXXX website and unfroze my XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX ) for this application. There is no listing of XXXX XXXX. 

On XXXX XX/XX/2020 I received the Synchrony Bank credit rejection letter dated XXXX XX/XX/2020. On this letter it was stated that my rejection was based on report provided by XXXX XXXX. 

I tried to contact XXXX XXXX via their telephone unsuccessfully. I tried to obtain my credit report via their website XXXX XXXX XXXX XXXX XXXX and was not able to via the reference numbers of the Synchrony Bank credit rejection letter.  XXXX XXXX was requiring me to enter my personal information which I am not going to do. 

I believe that I was treated unfairly as Synchrony Bank as they used a secondary source to deny me credit as I have a strong credit history of over 40 years with no credit issues. I believe that my application was not approved because I do not carry any balances on my current credit cards and that Synchrony Bank uses the outstanding balances as a revenue source and that I would not be revenue source. 

Thank you, XXXX XXXX
Product: Prepaid card

I purchased {$500.00} Visa Gift Cards on XX/XX/XXXX. Six of those gift cards were compromised when I went to use them. I called Incomm and opened Case ID XXXX with them. I was told that the cards had been attempted to use in another part of the country and locked because the activity was suspicious. I was asked to send in copies of the receipts and compromised cards along with my driver 's license. I did so on XX/XX/XXXX. 

I followed up XX/XX/XXXX and again on XX/XX/XXXX. I finally received a message on XX/XX/XXXX from a Do Not Reply email box stating : " Hello XXXX XXXX, We are writing to inform you that we have completed our investigation regarding your card issue,XXXX. We take concerns from cardholders very seriously. After a thorough review of your account and evaluation of the evidence provided, unfortunately we are unable to approve your case and it has been closed. If there was a balance on the card ( XXXX ) at the time you reported your claim, a replacement card with your available balance has been shipped to you. The replacement card should be received within XXXX to XXXX business days. Please refer to the cardholder agreement as it relates to unauthorized transactions. Any problems or disputes you have regarding a purchase should be addressed directly with the merchant. The disputed cards are now inactive and can no longer be used. Please destroy these cards via secure destruction method ( such as secure shred ). We appreciate your business and value you as a customer. This is a do not reply email box. If you have questions or concerns, please contact customer service at the number on the back of your original card. 

Sincerely, Incomm Payments '' I was sold a compromised product that Incomm sells in XXXX packaging that allows thieves to compromise their product and then drain the cards before consumers can use them. Then they refuse to take responsibility and draw out cases for months before responding denying restitution. They provide no details that would allow for their decision to be challenged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Arronrnts # XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX has charged off or Write off a Debt So it no longer 's appear on the company 's balance sheet. This has to have been reported to the IRS. XXXX XXXX XXXX XXXX XXXX refused to provide consumer with a 1099C cancellation of debt form We should be provided seeing that the debt was more than {$600.00}. Currently consumer is in court on the same debt that was discharge off by XXXX XXXX XXXX XXXX XXXX being asked for monies by law firm XXXX XXXX XXXX When the debt is already charged off written off and should have been reported to the IRS because it is reported on consumers credit report which is protected by the FCRA. Consumer is requesting all 1099-C to be male to his current address.,
Product: Checking or savings account

I am filing this complaint regarding inconsistent and potentially unfair practices I have encountered with Cathay Bank regarding the closure of my account. 

On XX/XX/year>, I followed instructions provided by Cathay Banks New York branch ( XXXX XXXX location ), which informed me that I could close my account online. After completing the steps as instructed, I received a call from the XXXX branch to confirm the closure of my account. During this call, I explicitly confirmed my request to close the account. 

However, as of 11 days later, I discovered that my account was still open, and I was charged an account maintenance fee. Upon contacting the XXXX branch, I was informed that online account closure is not permitted, and I must physically visit the branch in person to close my account. This directly contradicts the information provided to me by the New York branch. 

This inconsistency and lack of clarity between branches have resulted in my account remaining open despite my efforts to close it. As of now, my account is still open, and I am unable to close it without visiting the XXXX branch in persona requirement that was never initially disclosed to me and contradicts the New York branch 's guidance. 

I suspect that this practice may be a predatory move to continue charging account maintenance fees even after I made a clear request to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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

I understand that a large breach of personal information from XXXX recently occurred. I 'm filing this complaint because I feel that as a business that profits on credit reporting and tracks/stores large amounts of personal and sensitive financial and other information about me, my family, and my loved ones should, if not by law then at minimum as a best business practice, be required to control this data securely. I have been exposed to fraud due to poor practices at XXXX ; i 'm taking steps ( i.e. 90 day fraud alert ) for myself ; however, several people that I care about are not equipped to submit online forms and paperwork and research solutions as I have done. 

I would request the following from XXXX ( and other credit monitoring companies ) : 1. provide professional counseling service from a qualified individual to guide those affected/potentially affected by the breach so they can minimize risk.
2. provide indefinite fraud alerts for all individuals whose data is gathered/held ( not just the free 90 day fraud alert available currently ) 3. Provide insurance or an escrow fund for legal fees and reimbursement for people who suffer identity theft in connection with XXXX ' handling/mishandling of data 4. Institute a more secure way to access my credit-i.e. a form of 2 factor identification that makes it harder for other individuals to use my information.
5. Ensure that the above options can be easily requested and accessed by the layperson and people who do not regularly use the internet.
I would be in favor of broad overhaul of credit monitoring and tracking practices on a national/global scale.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fait Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a responsible reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought light significant concerns regarding XXXX and Experian, CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX and Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. This reinvestigation has been done in 24 hours which is unlawful per FCRA. Furthermore, any information found to be inaccurate or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX and Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information XXXX. Provide the chain of assignment XXXX. Delete any accounts that can not be verified or is inaccurate, as mandated by law Given the recent CFPB findings, I expect XXXX and Experian to handle this dispute with the utmost seriousness and compliance with legal standards. 
If XXXX and Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legal mandated timeframe. I expect written confirmation of any changes made for my credit file
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Mortgage

XX/XX/XXXX requested 5th 3rd bank to perform an appraisal to remove PMI if reduced to 80 % per attached letter XX/XX/XXXX received attached letter stating that the LTV was 76.5 % and did not meet the 75 % Called many times but got the run around XX/XX/XXXX Email Request with attachments to remove PMI as I had fulfilled requirements of 80 % in first letter - No response XX/XX/XXXX Email Request with attachments to remove PMI as I had fulfilled requirements of 80 % in first letter - No response XX/XX/XXXX Called 5th 3rd bank and was told the process had been started to remove my PMI XX/XX/XXXX Called again to get a stats update and was told the request had been rejected, I asked to speak with a manager and she requested I email them all my back up which I did - Attached XX/XX/XXXX received a vmail message that the appraisal was 120 days old and no longer valid and that I could pay for a re-appraisal to meet the 75 % I stand by the fact that the original paperwork stated 80 % and I have fulfilled this obligation
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 my home flooded from a rain storm. I reported it to my home owners insurance and could get help because it was not covered. I contacted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Ca. and ask them for some assistance and was not given any until I contacted several federal agencies. Then they offers me a program that allows your mortgage to be dismissed for a few months, but I still had know where to live of fix my water damage. Finally they offer me a deed in lieu which I had no choice, then I ask them will it hurt my credit score and they said it will possibly show own my credit report, but they all so said the payment would stop once the process began. But they did not stand behind their word and put a late payment own my credit report that has keep me from getting another loan from any mortgage company and buying thing to help me in my life. I am a XXXX veteran and have seriously medical issues.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX, I received a missed call from number XXXX. I returned the call and someone by the name of XXXX XXXX answered. She advised she was looking for me. She stated my DOB without disclosing what the nature of the call was for. I called back again and spoke with XXXX XXXX and she asked if I knew the person they were calling for. I advised yes but I never confirmed I was the right person. The lady then disclosed my SS # and other personal information saying they will notify the state of a pending legal action.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I did not authorize this company to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. 
after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Product: Payday loan, title loan, personal loan, or advance loan

I have had a previous loan with this company that we paid in full but we did not have to pay weekly. We decided we would borrow again and they gave us instant funding, however the terms were not the same as the last one that we completed and paying almost {$200.00} a week until XXXX for a {$1200.00} loan is not realistic. We have already made 4 payments {$800.00} and I cant continue to pay this weekly or I will lose everything. The interest is almost XXXX percent and this is higher than the last loan we had that we paid off with them. I cant pay this and because its been auto drafted u til I ended the auto draft last week, we are now facing utilities being turned off. We thought this was every other Friday and this is awful what it has done to us in the last 4 weeks.
Product: Credit card

I received a letter from Capital One saying my credit card was denied. I did not try to open one. I checked XXXX and i see the hard inquiry on my credit report. 

This is the alert : CAPITAL ONE made a Bank / Credit Card Inquiry by checking your XXXX Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX Company : CAPITAL ONE Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$590.00} XXXX  XXXX {$500.00} XXXX  {$0.00} XXXX XXXX   XXXX
Product: Credit card

citi bank closed all my accounts for no reason, no notice no email no text I called and ask why and got told i had to send them a letter asking for the reason, all my accounts was in great standings, last week got a letter saying they wanted to upgrade my accounts. i got told my balances would become my limit until paided off and that it would put my credit at risk until paid in full as it would show me total credit used and that would reflex on my credit score.