23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Complaint Regarding Unjust Closure of Discover Secured Credit Card Discriminatory Practices, Rights Violation, and Lack of Notification Issue Description : I am filing a complaint against Discover Financial Services regarding the sudden and unjustified closure of my secured credit card account. I believe this action was discriminatory, violated my rights, and was compounded by a failure to notify me as required by law.

Card Type : Discover Secured Credit Card I was approved for this card a few months ago to rebuild my credit. I used the card responsibly, made timely payments, and complied with all the terms. However, without any prior notice, email, or letter, Discover closed my account. I received no formal notification of the account closure, which is a violation of consumer protection regulations.

Discrimination and Rights Violation : I strongly suspect that Discovers closure of my account was discriminatory. They have not provided any valid reason for this action, leading me to believe it was based on factors unrelated to my creditworthiness. This potentially violates the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminatory practices based on race, national origin, or other protected characteristics.

Failure to Notify : In addition, Discover failed to notify me of this adverse action, which is required under the Fair Credit Reporting Act ( FCRA ) if the decision was based on my credit report or financial history. This lack of communication is a further violation of my consumer rights. 

Resolution Requested : I request that the CFPB investigate Discovers practices regarding the closure of secured credit card accounts, including their failure to notify me of the decision. I believe this action was in violation of the ECOA, FCRA, and other consumer protection laws. I also ask that Discover provide a full explanation of their decision and compensate me for any financial harm caused by this wrongful closure.

Thank you for your assistance in ensuring this matter is resolved fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX. I am contacting the bureauS today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to get and review a copy of my credit report.After this review, I noticed the following accounts reporting in error.I believe these errors that were not caused by me may affect my ability to get a loan. I write to you and request these accounts to be in good standing as soon as possible.I appreciate your assistance in advance. 

Account name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : XXXX  XXXX  XXXX name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection XXXX name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection As you can see it is very important for my credit file to consist of only accurate and verifiable information, with respect to the Fair Credit Reporting Act. Ignoring my letters will not be accepted. I can tell what has been reviewed by the dates of the activity present in your report. I will be anticipating your response and I look forward to viewing my corrected credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. This is fraud pursuant to 18 U.S.C 1028 ( a ) ( 1-8 ) and can be punished not more than 15 years in jail or a fine. 18 U.S.C 1028 ( b ) ( 1 ) ( A ) ( I-ii ).
Product: Payday loan, title loan, or personal loan

I called due to my job cutting our hours to make payment arrangement for my loan on XX/XX/XXXX I was told that they would note my account for the amount being paid on XX/XX/XXXX for {$170.00}. On XX/XX/XXXX {$240.00} was withdrawn from my account unauthorized by me. I have called and disputed the charge but they said there nothing that can be done because that is my past due balance. I stated the whole point of making arrangements is to be able to pay what I can without jeopardizing feeding my children. I feel this practice is against the law especially with the Covid Cares Act in place. Our business is slow due to new cases and I am being penalized with unauthorized charges. I want my loan removed and wiped clear for the collection calls and unauthorized practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

In XX/XX/XXXX/ XX/XX/XXXX, credit reporting agencies reported that two of my accounts were seriously delinquent. In fact, no accounts ever have been delinquent, nor even late, in the entire history, over twenty years. FICO was interpreting the changing hands of two student loans ( loans which had never been in repayment ) as Seriously Delinquent. My FICO score dropped 50 points, and these points have not rematerialized with TransUnion and XXXX both stating there is no  substance to support the claim that a delinquency exists. No creditors claim any amount is owed. Special Handling department at TransUnion has no evidence of any delinquency, ever,. I've been asked to acquire copies of my credit report, ostensibly to assure me there is no delinquency ( something I already know ), however, these several dozen reports always tell me what I already know : I've never missed a payment, let alone been seriously delinquent ; The fifty points which dropped from my FICO score did so wrongfully, and FICO is  primarily responsible, with reporting agencies and creditors also bearing responsibility for reporting to me, and others, this completely inaccurate and damaging information. They deny that their algorithm is responsible, and point me to copies of my credit report and other entities like creditors and credit reporting agencies as the responsible parties. 

There was no delinquency. I want my Fifty points back. Please offer evidence ion the negative mark/serious delinquency which your company claim ( ed ) exist ( s ), or inform FICO they have a problem that requires correction and are obligated  to provide restitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information The Credit Bureaus did not do this My rights have been violated in the following ways In accordance with the Fair Credit Reporting Act Everything reported has to be 100 % accurate on my credit report The Credit Bureaus claim my account was properly investigated but how is that to be true if the open date is inaccurate, amount of high balance is inaccurate, the date of last active is inaccurate, date of missed payment is inaccurate, payment status is inaccurate, and date last reported is not accurate. These violation of my rights are grounds for removal. My rights were further violated because 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 Fair Collections and outsourcing debt verifications are fraudulent. I have requested a proper investigation into this account and none have taken place. XXXX is attempting to collected a debt for XXXX XXXX that I do no owe. Their documents say that I relocated from their property in XXXX XXXX. When in fact I relocated from this Property some 3 months earlier in XX/XX/XXXX. I have provided supporting documentation. The same documents I once provided XXXX but they refused to remove the fraudulent account from my report. I am not responsible for this debt and have made several attempts to remove it. I made my last full rental payment to XXXX XXXX on XX/XX/XXXX. With no remaining balances. and full months rent of my security deposit was never returned to me. The debt verification provided by fair collections and outsourcing is completely false.
Product: Credit reporting or other personal consumer reports

Synchrony XXXX has charged off with profit loss on a closed account as of XX/XX/2023 however it is showing a balance on a closed account. The account is being incorrectly reported and I wish to have this balance updated to {$0.00} or deleted from my credit report.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/year> I tried to withdrawal XXXX out of my account through automated teller and the machine wasn't working, so I went to bank teller to get XXXX and did receive. On bank statement it shows that I received XXXX withdrawals of XXXX, so I put in a claim XXXX times because they gave it back twice and took it back twice. Now they are telling me I have XXXX many claims and they are closing/closed my account and sent payments back out of my account for my XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right privacy. 

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666 B : A creditor may not treat a payment on a credit 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 consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a Dispute to all 3 Credit Bureaus regarding XXXX XXXX. I did not get a response from XXXX and Equifax because I had forgotten to put my social security number and DOB. XXXX investigated that dispute, and there results yielded a deletion of the account. It is my understanding that if a credit bureau deletes an item, they are supposed to notify the other bureaus. 

On XX/XX/22 I sent the attached letter with my correct personal information. In that letter, I included the results from XXXX. Both XXXX and Equifax have responded " Verified as Accurate '' However, did they even consult with XXXX? They deleted the account for a reason. I would assume if XXXX deleted the record, that there is some reason for the deletion and it should be concluded that the same should result from Equifax and XXXX. I feel as if I did not have a thorough reinvestigation and Equifax and XXXX did not consult with XXXX at all. 

I also certify, that I am Indeed the Consumer submitting this complaint and not a 3rd party or credit repair company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having this trouble since couple of years ago! Every time I see my credit report there's always an issue or i see many inquires that aren't mine.
Product: Debt collection

XXXX XXXX from Credit Counsel Inc has been harassing me for a year about a collection of my fathers debit, and the phone calls started before my father had died. My father was a patient at the XXXX 's of XXXX XXXX who had fallen behind on a debit. I was listed on his contact information for the XXXX  as a Emergency Contact which was only meant for the XXXX XXXX, but XXXX somehow got that information and used my telephone number to try to contact me about my dad. I explained I hadn't spoken to my father but explained he was still at the XXXX 's where he could reach him, and XXXX still tried to contact me from time to time which I explained that the only number I had for him was the XXXX XXXX. My father died in XX/XX/2021 and in XXXX XXXX XXXX called again, to which I explained that my father had died. XXXX said that I was responsible for this debit, which I explained I was not since this debit was my fathers. He asked if my father had any estate which I responded no, my father had no land or house or any property. He then threatened me saying I was fully responsible for paying back this debit, don't I feel bad that this debit hasn't been paid, I need to find a way to pay this back before he sues me. I explained to him this wasn't my debit nor my responsibility since I wasn't as power of attorney for my father either. He was continually usually manipulation tactics to try to make me pay this, and to say he was going to come after me and my siblings to make us pay. 

Then today I get a e-mail threatening to sue me for this debit, which again isn't mine to begin with. I explained in my email attached there was no will made, I had to make last minute medical decisions for my father since his death was sudden, and this is harassment. I feel threatened and I am tired of feeling like I'm going to jail for something that isn't my fault. I am tired of the harassing phone calls, and now emails which I NEVER GAVE THEM.. This shouldn't be allowed or legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous CFPB dispute : XXXX I put in the same exact dispute information to Equifax over incorrect or fraudulent addresses on XX/XX/XXXX, XXXX. The resolution was that they were to be deleted I had called in to Equifax before the 10 month about it, they asked me the security questions that was on my profile. He then put in the same dispute as well after he told me he couldn't go in automatically and delete it himself. On XX/XX/XXXX. The resolution was to have those address deleted. Today is the XX/XX/XXXX. I called in again since now it has been well over 30 days to delete those from my account. I answered the same security questions and didn't pass even though I was looking dead off at my online credit report as I normally do when dealing with Equifax. She tried to tell me and then deny that she had asked me a so called security question that did not even pertain to my credit report over asking me if I ever had another credit card in the past even when I listed to her what all CC accounts I had. I had listed the credit limit and the monthly payment. She then tried to tell me that I needed to send in a copy of my id and social security number. I told her they had it already on file. She then asked me when I sent it in. Told her I couldn't remember since it was such a long time ago when I sent it from this exact address. She then replied instantly it wasn't on file ( Doubt she even looked being that quick ). I am tired of fighting with Equifax every time I turn around. They are the worse company to work with and they do not abide by government laws. They are outsourced to the XXXX when they should be American based!!!! All I want them to do is update and DELETE those addresses from my credit report!!! 

Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. Please provide the requested information to Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. 

I sent in a copy of my ID & SSI card to this address right along with 1st and last copy of my disputes. 
I called into your company today on XX/XX/XXXX according to your number above & they are now telling me there is no such address listed. 
Now I have my information floating around to XXXX knows where!!! Find it!!! 

Remove these address from my account according to copy of disputes which matches my screenshot sent through this site!!
Product: Debt collection

Medi Credit is trying to collect an account for XXXX XXXX hospital when it.s not my account. I have tried resolving this issue to no avail.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Date of Birth : XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion Team, My First & Last name are as follows : XXXX XXXX XXXX. 

My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, MS XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX XXXX XXXX delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX **Incorrect Address : ** The report includes an incorrect address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , MS XXXX The addresses listed above I have not resided in. My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 16815-2 ( AX1 ) 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.

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made.

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being.

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX