23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Earlier today XX/XX/23 I tried opening a CD account with XXXX XXXX powered by Webster Bank XXXX NA '. I followed all their instructions and completed the application, later I got an email saying my application was rejected. I was concerned if not disappointed, and immediately called the bank and spoke to a couple of the staff members, including the lady who pickup the phone, XXXX, and the manager himself, XXXX XXXX XXXX. 

I told them I had provided all the personal information and whatever details they required, and that there's absolutely nothing wrong with my identity and or my credit record, and if there was anything wrong to please let me know, so I may correct it and complete the process. Because, as far I know, I do have an excellent credit record, not to mention my financial background, leave alone my identity. I believe they pretty much are consistent and also speak for themselves, should they or anyone goes checking to verify. 

The aforementioned financial institution should not be advertising something they can not provide, and they should not be gathering valuable information without taking care of their responsibilities. It is only fair that after I take the time to complete their online forms and provide them with my personal details that If I get rejected then I should know exactly why. I asked XXXX XXXX XXXX, the manager, to please write an email about the bank 's final decision and he refused, he refused to cooperate and or offer a viable solution. The bank 's games the bank 's own rules. He told me that if I was concerned I should not bother doing business online. 

It seems improper, if not unethical, for these banks to be gathering sensitive information about potential clients and being rejected for no apparent cause. If there is then let people know. There should be no mystery, everything should be clear and transparent to anyone who takes the time to apply and follow all their instructions, especially someone who, through very hard work diligence, has managed to build an outstanding credit record and has no identity issues. I am also very concerned about how this information can used or misused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.
Product: Debt collection

My spouse ordered an item via the internet ( magazine ) but item was returned immediately. We have written and called the company every month since and never have received any type of correspondence from them. They are now referring to Bonded Collection Corporation. ( see attached letter ) and statement from XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Early warning systems told me that the information that XXXX  XXXX XXXX provided to them was accurate. despite me proving with actual receipts from the date of incident. 
the date of incident is XX/XX/2020. Not XX/XX/2020 and the amount should say settled or paid instead of unpaid like they allege. 
Early Warning Systems also sent documentation regarding my case to an email address which I did not request and I need them to mail me the paperwork like I did request. 
Early Warning Systems clearly neglected to do any research or an investigation. They obviously didn't look at my dispute documentation I sent to them.
Product: Credit reporting or other personal consumer reports

THIS COMPANY IS NOT FOLLOWING THE LAW AND IS VIOLATING MY RIGHTS. I SENT A LETTER TO XXXX XXXX  TO LET THEM KNOW THAT THIS WAS NOT MY ACCOUNT AND THEY NEVER RESPONDED WHICH I THEN SENT A LETTER TO THIS COMPANY TO TELL THEM TO REMOVE THIS XXXX XXXX  ACCOUNT BECAUSE LAW STATES THEY NEED TO REMOVE IF THE ORGINAL CREDITOR DOES NOT VALIDATE THIS ACCOUNT. I ATTACHED PROOF OF XXXX  LETTER, MAILING, AND TRACKING DELIVERY OF THIS LETTER. EVERYTHING IS TIMESTAMPED AND DATED SHOWING HOW LONG IVE BEEN TRYING TO GET THIS XXXX ACCOUNT REMOVED OFF MY ACCOUNT BUT THIS COMPANY KEEPS IGNORING ME AND BREAKING THE LAW WHICH IS HURTING MY LIVELIHOOD. PLEASE FORCE THEM TO FOLLOW THE LAW AND REMOVE THIS XXXX ACCOUNT OFF MY REPORT PERMANENTLY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Verification Process and Immediate Removal of Disputed Accounts Dear XXXX, TransUnion, XXXX I am writing regarding the accounts listed below, which I believe are being inaccurately reported on my credit file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure the accuracy and completeness of all information reported on a consumers credit file. Therefore, I am formally requesting detailed information regarding the processes, procedures, and metrics you used to verify the accuracy of these accounts. 

Specifically, I request the following : A clear explanation of the verification process conducted for each account. 
The name and contact information of the data furnisher ( s ) you contacted. 
A copy of any documents or records provided to verify the disputed information. 
If you can not provide a detailed response or complete your investigation within the legally mandated timeframe ( 30 days from receipt of this letter ), I formally request the immediate removal of the XXXX XXXX  and XXXX XXXX XXXX accounts from my credit report as per FCRA regulations. 

The continued reporting of inaccurate or unverifiable information is not only damaging but also a violation of my rights under the FCRA. 

Please provide a written confirmation of your findings or the removal of these accounts. For your reference, I have included supporting documentation to assist in your investigation. 

Thank you for your prompt attention to this matter. I expect a full response within 30 days, as required by law. Failure to respond adequately may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) or further legal action to protect my rights. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

Incorrect and inaccurate personal information. 

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

I tried to respond to the complaint  XXXX  and was unable to so I had to file a new report. I am tired of Citibank bullying me. I am going on  XXXX  and have had to go to the doctor 's several times with  XXXX   XXXX   XXXX  and   XXXX   XXXX   because I am so   XXXX    over the reporting between  Citibank a nd   XXXX   XXXX   for identitiy fraud on my account. I spoke to someone who was understanding about this a couple years ago and then I get this new person who refuses to remove the false reporting on my profile. I have filed a police report, went to identity FTC and I have also went through your company CRFPB to try to stop this false reporting. I read the letter where  XXXX   XXXX  of the  Fraud d epartment accuses me of using the money to benefit me and put it into my bank account. I have asked this guy to provide me with the bank account because I have only had  XXXX  bank accounts in the last 20 years and a savings account and ira. I have NEVER had a   XXXX   XXXX   account in over 20 years so this is not my dealings. You said I said something about my son in law, I never said my son in law had anything to do with this because he was a victim of identity theft as well. I am tired of this mess and I did n't want to spend the  XXXX  on an attorney that I couldhave paid for this account but because I did not do this and it is a matter of principal,  I will retain an attorney I am also contacting the main CITIBANK and reporting this man who is accusing me of lying and benefiting and stealing from Citibank. I am done with this now. I thought that CFPB would  not close the case and was on the side of the consumer, well, trust me, I will prove that I am not the one who authorized this account at all. This account was made when I was in  XXXX   XXXX  and I am not responsible for it. There were many people that should have not been in my household and around my neighbor 's house in  XXXX . Yes, I lived in  XXXX  before this but I did not start Citibank account or  XXXX  or a  XXXX  account. I am demanding by right, the proof that you have on the bank account that I " benefited '' from immediately. If it is found that anyone in my family was responsible, they should be held liable or responsible NOT  Myself.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT I ASKED FOR INFORMATION TIME AFTER TIME AND NOTHING. 
XXXXXXXX XXXX XXXX IS FRAUDULENT ACCOUNT. 
XXXX XXXX IS A FRAUDULENT ACCOUNT DUVERA IS A FRAUDULENT ACCOUNT I HAVE NOT DONE BUSINESS WITH ANY OF THESE COMPANIES IM JUST ASKING EACH COMPANY TO SHOW PROOF AND THE CREDIT BUREAUS TO DO THEIR JOB DO A REINVESTIGATION BY LAW. I EVEN HAVE ATTACHED THE DISPUTES I HAVE DONE IN THE PASS REQUESTING THE ACCURACY OF REPORTING.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as California Civil Code 337 regarding statute of limitations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Auto Loan Account ) has violated multiple federal and state laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, per California Civil Code 337, the statute of limitations for debt collection in California is 4 years. This auto loan account was opened on XX/XX/XXXXXXXX  and closed in XX/XX/XXXX XXXX making it well beyond the statute of limitations and legally time-barred from both collection and reporting. 
The account 's presence on my credit report in XXXX violates both FCRA reporting time limits and California state law. Furthermore, XXXX XXXX XXXX XXXX  has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), they also failed to obtain prior written consent before reporting.
Product: Money transfer, virtual currency, or money service

Closed my account and my account is negative {$10.00}. Told me it was suspicious activity. I requested a investigation and they said they couldn't tell me why they closed my account or why I owe the negative balance.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to XXXX. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse. 

1. Actual Damages : - Cost of legal representation : $ XXXX - Loss of productivity and time : $ XXXX  - Emotional distress and inconvenience : $ XXXX 2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ XXXX  Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am complaining against Synchrony Bank for their refusal to remove a fraudulent inquiry from my consumer credit profile. Despite having filed reports with both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, Synchrony Bank has failed to take the necessary actions to rectify this issue. 

I discovered a fraudulent inquiry on my credit report by Synchrony Bank. I immediately took the following steps : 1. Filed a report with the FTC.

2. Submitted a complaint to the CFPB.

Despite this, Synchrony Bank has refused to remove the inquiry from my credit profile, and sent a response to me challenging the validity of my identity theft matter. I have no open accounts from those inquiries and need them removed. All inquiries in which continues be furnished from Synchrony Bank to my credit profile negatively impact my credit score and overall financial well-being. Synchrony Banks inaction is not only causing me undue stress but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information from consumer credit reports. I respectfully request that the CFPB take immediate action to ensure Synchrony Bank removes the fraudulent inquiry from my credit report and ensures compliance with all relevant laws and regulations.
Product: Debt collection

I had a car accident in XX/XX/XXXX. All the medical bills were to be paid by my vehicle insurance policy to XXXX XXXX ( XXXX ). 

XXXX did not agree to the amounts paid by the insurance company and passed the debt onto me. 

XXXX owns the debt and placed the debt with IC Systems. 

IC Systems took the aggregate debt and broke it into six ( 6 ) separate collections on the same bill! IC Systems then began reporting these six ( 6 ) collections to the credit reporting agencies. 

IC Systems received a notice of dispute. DESPITE receiving a notice of dispute - IC Systems fraudulently represented to the credit bureaus that I was delinquent on the bill though the bill was disputed and the dispute shows on the credit bureaus as a disputed bill. 

IC Systems in ore top harm my credit - continues to fraudulently represent this bill is delinquent. Each time I apply for credit - IC Systems adds another delinquent notice into the credit bureaus to further harm my credit using abusive tactics. 

**IC System 's abusive tactics have real world economic impact. As a disabled veteran seeking a home loan - this impacted my ability to refinance my home during the COVID19 pandemic. 

Last year, I contacted XXXX as the current legal owner of the bill to tell them about the abusive tactics by IC Systems. I contacted XXXX by formal letter and by email. XXXX did not respond to the notice of dispute or complaint. 

I have included screenshots taken from the underwriting department of a mortgage company attempting to refinance my home - showing the abusive tactics of IC Systems fraudulently representing I am in a payment plan with reported delinquencies. 

A debt validation letter was sent to XXXX - as the owner of the debt - on XXXX XX/XX/XXXX. XXXX FAILED to respond to the debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had signed up with a debt consolidation company back in XXXX. Paid there fines and they had used and opened these accounts fraudulently. I signed over POA to the accounts and the company ( XXXX XXXX ). They are no longer in business and one of the owners of the company is in jail. I am trying to get Wells Fargo and XXXX off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a dispute due to XXXX not reporting a paid closed account and instead reporting it as open and unpaid. The account in question is through Credit Acceptance, account number XXXX. I paid off this account on XX/XX/2018 for the total amount {$190.00}. Credit Acceptance sent me mail showing the account satisfied and closed. On XX/XX/2018 XXXX  reopened this paid closed account to unpaid with balance of {$160.00}. I called Credit Acceptance XX/XX/2018 to inform them and the lady I spoke with told me to directly dispute it with XXXX because them had indeed sent XXXX my file for this account being paid and closed. XXXX had severally damages my credit because of their negligence and I am ready to sue them over this.
Product: Checking or savings account

On or about XX/XX/2019 I received a phone call from the Branch Manager of the Citizen 's Bank who informed me that there was suspicious activity on the joint account that I share with my son who is a full-time student away from home. She asked if I was aware of several check deposits that had been made and indicated that the bank was aware of certain scams that ask for bank info when signing up for apps or loans over the internet. I was unfamiliar with these scams and had not recently attempted to sign up for a new app or credit card or apply for a loan. We called my son who also stated he was unaware of the recent deposits, had not signed up for a new app nor applied for a loan. The Branch Manager stated that copies of the fraudulent checks would be sent to me and that the account would be suspended while they investigated further. At no time did she direct me to call to make a fraud claim or indicate that the account was accruing fees. By XXXX, I was receiving letters from Citizen 's stating that the account was overdrawn by {$300.00} and that fees would continue to accrue until paid. Further, this account was referred to collections. When I tried to reach the Branch Manager again, I was told she no longer worked there. I met with the Interim Manager who called on-line services and told me that, even though the checks were not made out to me or written by me, I would be responsible for this debt because they were mobile deposits.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

The account in question is XXXX  phone bill from 17 years ago with XXXX XXXX XXXX  For {$3200.00} I never pay it and it fall off my credit report bout 8-10 years now. I pull my credit report and it with Jefferson capital LLC back and my credit report fresh like it just happen I know it is too old to be and credit report. 
Jefferson capital LL XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Student loan

I applied for IDR ( SAVE ) with the Student Aid government portal on XX/XX/2024, which was received by my loan servicer, MOHELA, on XX/XX/2024. MOHELA changed the term of my loans from ICR to LEVEL on XX/XX/2024 and stated that my request for IDR ( SAVE ) was delayed for correspondence processing delay as of XX/XX/2024. MOHELA has now canceled my IDR application per the website status page and has not provided any reasoning for the cancelation. I called MOHELA on XX/XX/2024 and was told that this is a system error, with the phone representative inputting a request for the IDR application to proceed as normal. My online account status still shows I am on a LEVEL repayment plan instead of IDR ( SAVE ) plan which means my payments are scheduled to be {$1000.00} per month instead of {$64.00}. MOHELA has placed my account under a processing forbearance which does not count towards my PSLF and has no ETA on when my account will be updated to the IDR ( SAVE ) plan.