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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX
Product: Credit card

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Credit Application Denial Dear Sir/Madam, I am writing to formally lodge a complaint regarding the denial of my application for a Costco Anywhere Visa Card by Citi, which I believe constitutes a violation of the Equal Credit Opportunity Act ( ECOA ), codified at 15 U.S.C. 1691. 

On XX/XX/year>, I visited the Costco location at XXXX XXXX XXXX XXXX XXXX, CA XXXX to purchase a mattress. During my visit, I applied for a Costco Credit Card. I was provided with the Costco Anywhere Visa Card by Citi Application Documentation and Card Agreement, which included a Card Agreement and Privacy Notice.

Approximately 30 minutes after submitting my application, I received an SMS text message indicating that my application had been declined. The message stated that I would receive a letter within one week detailing the reasons for the denial.

According to 15 U.S.C. 1691, the ECOA prohibits discrimination against applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to contract ), or because all or part of the applicant 's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

I believe the denial of my credit application was unjust and discriminatory, infringing upon my rights under the ECOA. As a consumer, I have the right to apply for credit and be evaluated on fair and equitable terms. Furthermore, the issuance of an Adverse Action Letter in place of the credit extension is an unauthorized use of my credit information.

I am requesting the following actions be taken : A detailed written explanation for the denial of my credit application.

An investigation into whether any discriminatory practices occurred during the processing of my application.

A reassessment of my credit application to ensure it is evaluated fairly and in compliance with the ECOA.

I trust that Costco Wholesale Corporation and Citibank , N.A . will take this matter seriously and respond promptly to my concerns. Please provide the requested information and any relevant findings within 30 days of receipt of this letter.

Thank you for your attention to this matter. I look forward to your prompt and thorough response.
Product: Credit card or prepaid card

I applied for the GM card with XXXX by Goldman Sachs in XX/XX/2022 about 10 times at their request because they kept saying they couldn't verify my identity. Each time I applied I had to upload my Identification... I submitted my Passport and Driver license on multiple occasions and kept coming back cant approve because we cant verify your Identity. When I would call to ascertain what the problem was the customer service reps would always say we don't know what the problem is just try again. Now it seems like their using some third party company to verify identity but they refuse give me their information. If I uploaded different Identification 10 times for this card and their saying they cant verify my identity that's a problem and I'm entitled to know the source of this inaccurate information!!! I don't feel comfortable with my personal identification being uploaded into someone database and their saying they cant Identify me. This is unacceptable!!! I have credit cards with different banks and have never experience this treatment of we cant approve you because we cant verify your identity when you have my Passport and DL uploaded in your database. No company should ask people to keep applying and not try to rectify the problem. The last person I spoke to was a XXXX and her supervisor and he just stated I cant give out any information pertaining to this matter. Very nasty and wouldn't help me rectify the situation so I could be approved. I'm entitled to know whose reporting inaccurate information on me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit card

I applied for a credit card on line on XXXX XXXX, based on the fact that I had a 99 % chance of approval, according to XXXX. 

The bank involved was U.S. Bank. 

They did not identify the reason when denied, but said I would be getting a written letter documenting their reasons within 10 business days. 

That never happened. 

As it has been more than a month since I was denied, with no contact from U.S. Bank, this complaint is being filed. 

They knew that they had to comply with the law, and have failed to do so.
Product: Checking or savings account

On XX/XX/XXXX XXXX at around XXXX I recieved a SMS from the cash app institution, stating that someone whom I have recieved cash from " via cash app '', from before for a service that was completed, the individual had filed a dispute and without my knowledge or consent charged my cash out of my primary bank linked to cash app. I had previously reported this individual for trying to scam me and harass me to get my services done for free and delicned his refund request on XX/XX/year> and blocked this individual from harrasing my business as I no longer wanted to serve this individual for harrasment, I filed the report with cash app on XX/XX/year> and that was the end of it, until as previously stated cash app unknowingy and without my consent withdrew XXXX separate transactions XXXX for XXXX $ and the XXXX for XXXX $ for a total of XXXX $ US Dollars, these were unauthorized withdrawals and I immediately got on the phone with XXXX XXXX and locked my card and reported this to XXXX XXXXXXXX XXXX XXXX and cash app on XX/XX/XXXX at around XXXX when I noticed it, but neither were cooperative nor willing to stop the unauthorized withdrawals, I then visited the XXXX XXXX branch the very same day at around XXXX XX/XX/XXXX, to try and get this stopped from withdrawing and the Representative told me that I had to deal with cash app and not them, I then called cash app immediately and was told they could not do anything about this unauthorized withdrawal and told me to contact XXXX XXXX I am reporting this because the refund was declined previously with cash app and yet over a month later, cash app still withdrew the cash without my consent and authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX Experian via XXXX XXXX used the guide of getting an Auto loan to force me to join a service I have no iso for and they didnt even get me any loan because they stated Oregon law forbids them to do that. This is infornation Experian knew before preying on my desperation and abusing their position with promises of a guaranteed loan of some sort. Unethical, even cancelling my membership and refunding my {$1.00} Is inadequate when a credit reporting agency offers to boost your credit or secure loans for you if you join their paid services. Feel like they are holding me XXXX by not giving me a FICO score which I was given one in XX/XX/XXXX - feel Experiam is dirty, dirty, dirty and plays with people 's lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to car dealership and the dealer shopped my credit around, same thin happened when I applied for some credit cards as well. I ended up with 64 hard inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Following a careful examination of my most recent credit report, I noticed numerous accounts that seem to be erroneous and were added without my awareness.
Product: Checking or savings account

Paused bank accounts and over draft fees. Disqualified from applying for a home loan in 2018. Unauthorized open savings and checking accounts. Thanks!
Product: Debt collection

The collection agency is : XXXXXXXX XXXX Fair Collections & Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Ref : XXXX. 

They are alleging that I owe {$5400.00} in back rent for a property that has no Rental Suitability License ( rental license ) as required by the City of XXXX. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing this complaint today because XXXX student loans from AidVantage are currently being inaccurately reported on my consumer report. I have reached out a multitude of times in regard to the matter and AidVantage still to this day refuses to be in compliance with the law. I have attached the necessary correspondence below that outlines the violations AidVantage is currently exercising against me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX continues to report to my consumer credit report, yet has failed to produce a valid security agreement with my personal private source data information on it. The address on the XXXX XXXX account has never belong to me, and I continue to contest that XXXX XXXX auto finance does not have written permission or consent to share my information with a third party, in which they have been sharing invalid information and has been damaging to the consumer credit extension and worthiness.
Product: Debt collection

I paid my debts off to Ad Astra Recovery Services and they refuse to take the debt of credit. I also called XXXX and they refused to help me. They assured me that they would get these collections off my report, but they refuse to do their part after I paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  with XXXX XXXX XXXX XXXX pulled my equifax credit report without my consent. I contacted the XXXX XXXX  and they said that they have made the appropriate updates and have notified the Equifax of the changes that need to be made to my credit report. They said that the hard inquiry would go away.However, the hard inquiry has never removed from my equifax credit report.
Product: Debt collection

DIVERSIFIED ATTETION TO DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DIVERSIFIED XXXX DIVERSIFIED XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 states i have the right to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently reviewed credit file, noticed some inaccuracies listed. Disputed with all three credit reporting agencies. XXXX removed the credit item, Equifax did not. I sent them a copy of the investigation results showing the item was removed. Under the fcra the information is to be shared with all reporting agencies.
Product: Credit reporting or other personal consumer reports

In XXXX of this year, I purchased a laptop computer from Best Buy and utilized your credit card service for installment payments with zero interest charges. I made timely payments for the first two installments, as evidenced by the enclosed documents dated XX/XX/XXXX and XX/XX/year>. 
However, unknowingly, these payments were directed towards my old Best Buy account. 

Upon being informed of the mistake, I contacted Best Buy, and their representative attempted to transfer the payments to my current account, number ending XXXX Unfortunately, due to system limitations, they were unable to process the transfer and instead issued a refund check to me for the total amount of {$110.00}, dated XX/XX/year>. Subsequently, I promptly reissued the payment to the correct account on XX/XX/year>, in the same amount. 

I was explicitly assured by Best Buy representatives that this incident would not impact my credit rating due to the error being rectified. However, to my dismay, I observed my credit report drastically decline from XXXX to XXXX following the reporting of two delinquencies Best Buy Upon contacting Best Buy again, I was informed that they were unable to rectify the information provided to the credit reporting agencies, despite assurances of resolution within 40 days. The subsequent letter received on XX/XX/XXXX was equally disheartening, confirming the inability to amend the reported data. 

Enclosed are all necessary documents, including copies of the refund check, subsequent payment, and evidence of the initial timely payments, to support my appeal. This discrepancy has adversely affected my career prospects, impeding my ability to secure employment in an industry where I have accumulated over 30 years of experience. 

I urge you to help rectify this grave error promptly and restore my credit to its prior standing before this unfortunate incident. I implore for corrective action to be taken swiftly to alleviate the unjust ramifications on my credit rating, as I am striving to resolve this issue amicably without resorting to legal involvement.
Product: Payday loan, title loan, or personal loan

I requested a loan, the company used my information to quote on a loan rate of 6.575 %. After applying for the quoted loan, and providing all the documentation requested to verify the quoted income ( bonus plus salary ) the company revised the offer up significantly to a rate of 8.74 %. After discussing multiple times with the company representatives my year end pay stubs the representives told me the company had a proprietary formula to disregard all company performance plans as income even though their instructions say providing two years of documented bonuses would constitute income. The representative stated multiple times that sofi choose not the accept the documentation provided by my small employer as they labeled it differently from one year to the next therefore I did not earn that income. It was clear in my conversations that the Company had no intention of honoring the original quote so they were choosing not to recognize the income to give a reason to change the offer. It appears to me this company is using bait and switch tactics to lure consumers with the promise of lower rates than they will actually offer.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to log in on my account, I had not received any notifications since XXXX -the first week. I assumed the account was safe No luck login in. So I called the XXXX number on my card and it ask for a number associated with the card I entered my old number and the system accepted it and moved forward with the call I requested my balance and to my surprise it said {$9.00}. And some change. I instantly requested an agent and let them know my balance was wrong. The agent was hesitant and notified me a second card was issued and mailed to my address. I was not expecting a second card in the mail. I never received that second card or any notifications or alerts that my card was being used. 
XX/XX/XXXX {$500.00} {$400.00} Transactions were made in XXXX Texas, at XXXX XXXX XXXX.. I was home in XXXX TEXAS. Numerous transactions were done totaling {$19000.00} plus dollars.. I RECEIVED A LETTER ON XX/XX/XXXX. Telling me in very few words that their ruling was there was no error occurred,! 
We consider this matter closed. 
I talked to the police to make my report but the agent I talked to after I received the letter said I had very little chance of getting any where from this point. I asked for the investigation report and all the documents used to reach their conclusion and all that was sent to me was the transaction report showing the transactions made. No video or any kind of effort to find out how my money was withdrawn or who took it. They were not trying to protect my money I almost believe they probably did the fraudulent charges to keep my money.
Product: Debt collection

An attorney is trying to collect money deposited with the clerk of the court as compensation for the taking by the town of a small portion of the collateral property under eminent domain. The mortgage was discharged in bankruptcy in XX/XX/2011 and therefore the bank or its representatives such as this attorney may not legally collect these funds to pay down the debt. The mortgage holder had been previously contacted regarding this issue and advised me that they did not have a department to discuss legal issues with and that they were unable ascertain any course of action in the matter. Now that there is money to be had, they want to step in with their attorney and grab it.
Product: Credit card or prepaid card

Several Dispute letters and Negotiable Instruments sent to Fortiva with no response since XX/XX/2022 demand account is credited { {$3000.00} } as they are deemed honored along with {$2000.00} monetary relief for Fortivas failure to investigation/respond to disputes, closing account during dispute without notice and reporting while in dispute. This is a BREECH of Agreement and BREECH of Fiduciary Duties, and BREECH of Trust. Violations under FCRA and 15 USC 1640 Truth and Lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding multiple inaccuracies on my credit report. It has been over 45 days and I have NOT received a response. My disputes are being ignored and I feel like I am being taken advantage of. I demand the immediate removal of these items as Section 611 ( a ) states that failure to investigate these items within 30 days results in immediate removal of disputed items. Additionally, my information was impacted by the Equifax data breech and it may have been compromised. I will take legal action to protect my name, standing, as well as for the undue stress that this has caused if this situation is not remedied. Again I demand that these accounts be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

FDCPA and FTC report attached
Product: Credit reporting or other personal consumer reports

Resurgent Capital Services L.P. and LVNV FUNDING LLC are using deceptive forms to verify debt and reporting said debt to my credit file. This debt is inaccurate & unverifiable. I demand that Resurgent Capital Services L.P. and LVNV FUNDING LLC cease debt collection activities & remove this inaccurate, unverifiable debt from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2024 Dear Sir/Madam, I am writing to dispute and express grave concerns regarding the deceptive forms you have furnished in connection with your debt collection efforts. I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing 15 U.S. Code 1692j, which prohibits the use of certain deceptive forms in debt collection activities. 

Account Data Listed Is Fraudulent Account Data Is Fraudulent & Inaccurate. Delete It Immediately. 

Your collection practices have included forms that misrepresent or deceive consumers, which is a clear violation of federal law. Section 1692j of the FDCPA explicitly prohibits debt collectors from using forms that are likely to create confusion or mislead consumers about the nature or status of a debt. 

I demand that you immediately cease using any deceptive forms in your collection activities and provide assurance that such practices will not continue in the future. Additionally, please provide me with copies of all forms and documents you have used in connection with your attempts to collect this debt. 

Furthermore, I demand the immediate deletion and removal of the debt you are attempting to collect from your records. This debt is disputed and violates the FDCPA. Therefore, any further attempts to collect or report this debt will be considered a violation of federal law. 

I expect a prompt response to this dispute letter, confirming that you have ceased the use of deceptive forms, providing me with copies of all relevant documents, and confirming the deletion of the disputed debt from your records. Failure to comply with these legal requirements will result in my pursuit of all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action against your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX See attached forms.
Product: Debt collection

I had XXXX and should have been covered. It was due to the hospitals mistake of marking me male, I contacted them as soon as I found the mistake but they said I would have to verify who I was with the XXXX provider. After talking with my XXXX provider, they assured me that there wouldnt be an issue. The hosital continued to say I owed them money and sent it to collections. I was and still am covered by XXXX.