23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Notice of Grievance and Complaint RE : Case # XXXX - Citi Reference Number : XXXX Ongoing Credit Discrimination against national origin. 

My original complaint was submitted to the Office of Comptroller, limited in detail, and their organization forwarded the complaint to the CFPB without my evidence to substantiate the complaint and I have herein resubmitted complaint with enclosed affidavit in accordance with the protections expressed therein securing my religious and national origin birthrights for lawful consideration as brought the attention of many of Citibank N.A. representatives that have to sought to undermine my rightful demands to include economic damages. 

See attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was a victim of fraud or breach. There is an address on my credit report from OH. Only resided in XXXX, XXXX, and XXXX. Also, multiple hard inquiries on all 3 credit agencies that were not made by me. Also an account in collections from XXXX ( {$560.00} ) already disputing Spoke to Transunion, XXXX, and XXXX via telephone. Just had dispute letters drafted, will be putting in the mail. 
The hard inquiries ; Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( 2x ) XXXX XXXXl XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ( 2x ) XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX ( 2x ) XXXX XX/XX/XXXX
Product: Debt collection

I am contacting your company because I am a victim of identity theft there was an account opened in my name that I was not aware of nor did I have knowledge of and I want it removed from my credit report at once because it is fraud and does not belong to me OTHER LOANS XXXX/XXXX  Reported : XX/XX/2018 + {$220.00} Closed Remove this account because it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've been contacting credit bureaus Equifax and XXXX to get this XXXX XXXX XXXX record off of my credit report the balance is paid off and the company stated they will inform the credit bureaus to remove it but the only one that has removed it is XXXX. XXXX and Equifax stated they would remove it but has not done so yet and it's been over a month now I spoke with them in XXXX.
Product: Student loan

Today is in XX/XX/XXXX I have done my annual financial review and noticed now my loans were not decreasing as much as expected. I took a series of 3 loans from Sallie Mae for a total of {$25000.00} to pay for my university education where I received a masters in physics. 

According to Navient I have {$15000.00} outstanding with a range of interests from 6.5 to 7.38 %. These were originally under 6 % but have been climbing steadily over the last years. 

I have been making monthly payments of currently {$250.00} but back in XX/XX/XXXX it was closer to {$320.00} per month. 

My balance is tracked and recorded by myself regularly but just for this complaint I will take the numbers from XX/XX/XXXX where the balance was {$21000.00}. The loan interest on these per month would be {$100.00} down to {$91.00} over this period. Despite having a large principle drop adding up to {$5400.00} the rate has increased and the overall interest is nearly flat despite such a large decrease. 

Over a 36 month period I see {$150.00} per month on average applied to the loan principle per month. 

There is also a {$17.00} per month fee. 

The complaint!!! 
Why does my account have such a massive fee? This will add up to over {$3000.00} in fees over the multi year lifetime of my loan, additionally the fee means my payment will not apply to the interest and cost me much more than the fee itself over the lifetime of the loan. I have asked repeatedly about this and gotten no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I was confused because none of my accounts have ever been in bad standing. I looked through my credit report and i saw six accounts that I never opened. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX/XXXX   XXXX  and XXXX XXXX. I do not have any written/verbal contract with any of these companies nor did I ever allow them to run or access my credit. I did not benefit anything form 4these accounts being opened in my name such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts.
Product: Debt collection

The debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree to and I never signed anything or even know what the account was for. The 5 step validation procedure wasn't performed and according to the FDCPA I'm entitled to {$1000.00} per violation as my rights were clearly violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard Inquiry on my credit report from XXXX/ XXXX XXXX XXXX I do not know where this Hard Inquiry came from, and I did not authorize this Inquiry on my Credit report. I do not know who XXXX XXXX XXXX XXXX is. Requesting the hard Inquiry to be removed from my Credit Report.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my serious concerns over the recent and recurring data breaches involving Equifax and XXXX XXXX. The repeated and reckless exposure of sensitive consumer data by these companies has put countless consumers, including myself, at risk. As an agency tasked with the protection of consumer rights, the CFPB must take decisive and robust action against these entities, who appear to have demonstrated gross negligence in safeguarding consumer information. 

The XXXX Equifax breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, affecting approximately XXXX XXXX Americans. CXXXX XXXX XXXX data breach was equally egregious, compromising the personal data of over XXXX XXXX individuals. These companies continue to operate under weak cybersecurity protocols that are clearly insufficient to protect sensitive consumer information. This type of negligence and lack of accountability is unacceptable. 

Under 15 U.S. Code 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), consumers have the right to request that credit reporting agencies block fraudulent information that arises as a result of identity theft. I am formally demanding that the CFPB : Investigate and Enforce : Conduct a thorough investigation into the security practices of Equifax and XXXX XXXX. Consumers have a right to know how their data is being managed and that the CFPB will hold these corporations accountable for their reckless data protection practices. 

Enhance Regulatory Standards : Update and strengthen cybersecurity standards for credit reporting agencies and financial institutions. Current standards are clearly insufficient to protect consumers from identity theft and fraud resulting from breaches. 

Impose Sanctions and Compensate Consumers : Issue significant penalties to these companies for each incident of data exposure and ensure that affected consumers are compensated accordingly. Any fines imposed should be substantial enough to discourage further data negligence. 

Strengthen Consumer Rights and Protections Under U.S. Code 1681c-2 : Provide more accessible and clear instructions to consumers on how to block fraudulent information on credit reports and consider expanding these protections to address instances of data exposure due to company negligence. 

Consumers deserve to feel safe and secure in their financial dealings, free from the fear of breaches due to corporate malpractice. Without swift and punitive action by the CFPB, consumers will continue to suffer while companies profit at the expense of our security and privacy. The CFPB has both the mandate and responsibility to protect consumers, and we expect nothing less than your commitment to upholding that responsibility. 

Please confirm receipt of this letter and inform me of the specific actions the CFPB will be taking in response to these critical issues. I await your immediate attention and resolution to this matter.
Product: Credit card

On XX/XX/XXXX i walked into the XXXX XXXX branch i applied for a business credit application with XXXX XXXX. XXXX took my business credit application without even putting in my business information income and said I was denied. I believe XXXX was discriminating against me, because I am a XXXX woman. I have a XXXX XXXX XXXX and this unacceptable. I will be filing a lawsuit against XXXX XXXX for discrimination if this situation is not corrected. I have already reached out the FDIC for clarity on this issue. I look forward to hearing from someone soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # 1937, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Barclays regarding my XXXXXXXX XXXX  XXXX XXXX offering a reduced interest rate through XX/XX/XXXX. 

I accepted the offer. 

I later received a letter dated XX/XX/XXXX referencing credit review date of XX/XX/XXXX advising that my credit limit was being reduced to about have of the limit that it had been for several years. 

Between the offer date of XX/XX/XXXX and XX/XX/XXXX, to my knowledge, there were no changes to my credit report that would have had a negative review. I use several credit monitoring systems and between that time period the provide scores from these services stayed the same or increased. 

I believe this was an Unfair Deceptive Abusive Act or Practice. From the marketing material I received I had no reason to believe that there would be changes to the XXXX account other than the reduction of the interest rate. 

So far I have experienced the following damages due to the reduced credit limit including payments declined and my bank card utilization to increase above 30 % resulting in reduced credit scores. 

After XX/XX/XXXX but before I received the notice of the reduced credit limit I was applying for a residential loan. This reduction in credit limit may cause me additional damage of not being eligible for the loan I have been preapproved for as well as additional damages.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Affirm to inform them that I would be late making my payment due on the XXXX of the month and requested that they temporarily change the due date to XX/XX/XXXX to avoid any overdue payment consequences. They said no but assured me that if I paid on the requested date of XX/XX/XXXX my account would remain in good standing. On the XXXX I made the payment to Affirm as agreed and Affirm took an additional payment of {$200.00} ; this effectively prevented my ability to pay other bills from the checking account which I made the payment to Affirm from. Affirm informed me that their policy would allow them to make a refund of an overpayment within XXXX business days of the initial payment, and after XXXX days no refund will be possible. '' When I talked to Affirm again on the XXXX and XXXX to confirm the refund would be made, I was told : " Yes our policy will allow us to make a refund within XXXX business days, however, it may take up to XXXX business days to process your payment. '' When I asked what this meant in relation to their XXXX-day policy. The answer given was ambiguous to the effect that I wasn't given a definitive answer. In the meantime, my other payment due on the XXXX of XXXX was now, and still is delinquent and Affirm still remain insensitive to the problem they have created by taking an unauthorized payment from my account. With hardship, I have arranged to make the payment to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company refuses to remove a creditor that was deemed a predatory lender. a settlement was reached and is not being recognized by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to unfreeze my credit report so I could get a car loan. I was able to unfreeze my report with XXXX  and XXXX  instantly by following standard procedures. When I tried to unfreeze my report with Experian, the website was throwing strange errors. For example when it asked for pin, i entered the pin and it threw an error saying the pin can only contain numeric characters. So i cleared the field and entered a shorter number like XXXX to see if i got the same error and again. The same error about only entering numeric characters was thrown. So i tried to submit without my pin and it said the address input format was wrong ... .but didn't say what was wrong with it. By trial and error i figured out it didn't want a comma after the street even though it wanted street, city state and zip all in the same box. 

After submitting, it said the information could not be verified and i needed to mail a letter to a PO Box in TX with enough personal information to make identity theft easy for anybody that found or intercepted that envelope. So i tried again and got the same error. Next I tried to verify my pin by using their system to retrieve my pin ( which requires me to have to answer personally identifiable information to verify who I am ). When the site showed me my pin, I was able to confirm I had the correct pin already. So I tried again to unlock my report with my pin and got the same error message saying i had to mail personal information. I logged out and back in and the website said my credit report was not frozen anymore! 

So i called the bank and asked them to try again and they said they still were getting a message that my experian report was frozen. I called experian and the automated system said my report was still frozen despite now the website says my report is not frozen ( i have screenshots ). 

I called the customer service number and tried all the available prompts to try and get help. They all lead to a automated recording and no option gets to customer support. I also tried calling during Sat - Sun : XXXX XXXX  - XXXX XXXX  PT ( Sunday at XXXX EST ) and only got options to talk to a robot and no automated options to help me. 

They have effectively taken my credit hostage. My credit score is XXXX ( verifiable by the experian website ) and they are not providing a reasonable way for me to unlock my credit score in the middle of a loan application despite having the right username and password to login, the right phone number to receive the code confirmation on first login, and having the correct consumer pin.
Product: Debt collection

On XXXX I called Synchrony bank at ( XXXX ) XXXX to request a copy of my XXXX for my old care credit card ( Account XXXX ). The balanced charged off was {$7000.00}. I spoke with XXXX from recovery, who stated that the XXXX is not available at this time because the system is showing as ineligible on my account. However, the account is showing as being charged off for the amount of {$7000.00} on my credit report. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming that I owe the debt. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this as I am a consumer and has been a victim of inaccurate reporting by XXXX XXXX on their account [ Account Number : XXXX ]. I want to bring to your attention the fact that the account has been inaccurately reported as " paid twice ''. This error on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) regulations. 

I am hereby requesting the Credit Bureau to remove any and all credit information associated with XXXX XXXX XXXX  account [ Account Number : XXXX ] from my credit report, as your bureau is a party to this reporting of incorrect payment history. The inclusion of such an entry in my credit report, as " paid twice '' has adversely affected my credit score, which in turn has had unnecessary financial consequences. 

The accurate information which XXXX XXXX  should have had provided was in fact that I made a payment in full for the account [ Account Number : XXXX ] and the account was closed after balance was fully paid at end of year 2020. Any entries reporting an incorrect status or repeating the same information would not only be a violation of FCRA guidelines but also misleading as such double pay or overdue/pending payments ultimately give incorrect certainty to my creditor scoring. 

The reporting of " paid twice '' has marginalized my credit standing with the worthiness as a borrower and also has had impacts like higher interest rates, having difficulty in securing loans from various lenders, and so summarily created unnecessary financial hardships. 

This reporting error by XXXX XXXX has caused significant inconveniences to me and failed to comply with FCRA provisions. The FCRA regulations aim to protect consumers from inaccurate credit information, and as such, any violations of these laws will attract legal actions for failure to comply.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 at XXXX i order shoes ( XXXX ) from XXXX  XXXX cash app send an notice saying it were aprove then on XX/XX/2021 XXXX 3 days later XXXX at XXXX XXXX  cash app sent another notice saying it was declined. i call and ask as to where my money were cause i knew i had enough to pay for the shoes. cash appp first, denised it, but another cash app say they return the money which i did see, but i look again later on, they had on their own decided to send the money to XXXX i call again and they say nothing i did call XXXX to let them know that i did not ok what cash app did nor have i try to order anything for them today ( XX/XX/2021 XXXX if i call twice coplaint about my money, why would you return it but then you send the money back to XXXX without letter me know
Product: Debt collection

On XX/XX/17 I received a letter from XXXX XXXX XXXX XXXX stating that I owed XXXX but the name on the account is not my name and would like it deleted off my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes regarding this loan for {$12000.00}. They havent taken any action deleting this account when it doesnt exist with the other 2 bureaus. It is harming me for obtaining credit, I have never lived in XXXX  so where is the information coming from? Who was on this joint account? This information is violating the fcra.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Cease and Desist Request for Inaccurate Credit Reporting Dear STAFFORD GROUP AND ASSOC I am writing to formally request that you immediately cease and desist from reporting inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security Number is XXXX. 

Upon reviewing my credit report, I identified the following discrepancy : LATE PAYMENT OR UNPAID COLLECTION This account is inaccurately reported as a delinquent account, which is not accurate This error is adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following actions :
Product: Debt collection

I filed XXXX claims through CFPB last week - # XXXX & XXXX regarding XXXX and XXXX ( company XXXX. Selected to collect the " early termInation of account penalty ''. After I filed XXXX responded in yor case file records and stated they no longer are involved .. XXXX selected another company-Credit Management L P of XXXX , TX . I had previously sent letters to XXXX explaining why I did not owe XXXX for the penalty they submitted only final bill. I paid my bill in full ; I did no pay for the penalty they assessed. I have denied owing the penalty. 
XXXX claims I owe charges {$130.00} for a new service connection while I was contesting the penalty. I was lied to by XXXX representatives when I re-connected my service when they specifically told me my my new account would not be linked to or affected by the penalty. My service was disconnected 5 days after my XX/XX/XXXX re-connection. I received a bill for penalty and new services. I returned all equipment immediately only to have XXXX bill me {$130.00}. An amount I do not owe because of false representations made to entice me to re-connect my service.