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

Reason : 1. Get U.S. Bank written approval letter for purchase gift card on XXXX XXXX. The account was closed on XXXX because I purchase gift card. Request : The U.S. Bank ( the Bank ) has closed my credit card account because " excessive or patterned purchases of cash equivalent '' in Cardmember Agreement, but the define of " excessive or patterned '' are not clearly stated. A large number of account closed cases indication that the Bank is not ready to issue high return rate credit card, but they ca n't change terms in first year because law prohibit, so it looks the Bank try to using fuzzy Cardmember Agreement terms to evade its own legal responsibility and fraudulent to user deserved Rewards, these term allow the Bank can arbitrarily close the account and refuse to pay any of legal customer rewards. For example, they can say {$1.00} is " excessive '' amount, so close the account. Moreover, for a frequency business travel in between of two city, the ticket full price always same, so they can say it is " patterned '' Futher, the maximum amount of gift card is {$500.00}, so if user necessary totally {$1000.00} gift card, the user have to split purchase into two of {$500.00}, they also can say it " patterned ''.
If you wanted, we can find more similar scenario. In my case, my business trip need booking over {$3000.00} tickets per month, so I think {$2000.00} is not a large amount for my personal business travel ( please remember, the Bank give my {$21000.00} credit limit ). For avoid risk, I contact the Bank customer services to explain why and how to use these gift card in before more purchase, the Bank written approved these gift card purchase, but the Bank suddenly closed my account after I purchase gift card. I am heared many similar stories in near days ( for example, my friend 's account was closed because he purchase a XXXX {$2000.00} laptop with his U.S. Bank credit card ). I was request them answer above details by help OCC help in XXXX, but the Bank are arrogant not to answer, the Bank simple response as " decision was unchange '', I have reason to believe that the Bank did not read the above questions before response to OCC. I would like request CFPB to review these Cardmember Agreement to save more victims, and I also want the Bank to release explain the specific definition of " excessive or patterned '' ( and all of fuzzy terms ) to the publlic field, and also mail it to every customer to avoid the Bank abuse on Cardmember Agreement.
Product: Credit reporting 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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. Delete the accounts XXXX XXXX XXXX, XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX experian
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account ( s ) be verified or removed immediately : XXXXXXXX XXXX  Account Number : XXXX Charge Amount : {$3600.00} Date Opened : XX/XX/year> Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Credit reporting or other personal consumer reports

I have been trying for months to submit a dispute on both Transunions website. My credit report will not pull up. XXXX and XXXX pull up fine. I've also tried to access Transunion through myannualcreditreport. It will not pull up. Transunion 's score is XXXX points lower than both XXXX and XXXX and is used quite frequently. We just had an account closed ( 15 year account holder with no derogatory history ) because of Transunions low score. Who provides oversight to these bureaus? How can three agencies with the very same info have one agency so far apart from the other? XXXX points is way too significant.
Product: Credit card

I am writing to express my deep concern regarding the Navy Federal Credit Unions failure to fulfill its promise to lower my interest rate after I signed the necessary paperwork online. Initially, I requested a payment deferral to catch up on missed payments, which was denied until I filed a formal complaint with the CFPB. Following this, the bank agreed to the deferral and committed to reducing my interest rate to 3 %. However, this rate adjustment was never implemented. 

In response to this oversight, I filed another complaint. The bank 's reply stated that they would investigate the issue and provide a resolution within 60 days. Unfortunately, no such resolution or adjustment has been made, and I have yet to receive a follow-up. 

I am filing this complaint again to address the banks lack of accountability and transparency in its business dealings. I expect prompt action to correct the interest rate as originally promised.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.
Product: Credit reporting or other personal consumer reports

They said they did investigate. I s have information and accounts that are not mine on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the findings and the company agreed to put the account in good standing as of XXXX XX/XX/2021 and to report to the credit agencies. It has been a month and a half without the credit agencies removing the negative remarks ...
Product: Credit reporting or other personal consumer reports

The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 

XXXX. Account Name : XXXX XXXXL Account number : XXXX Date opened : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have another complaint filed with you against Citibank Wayfair credit card too!!!! They are STILL harassing me by phone and email!!!! I told them to " CEASE AND DESIST ''. Yet they continue to send me illegal emails saying they have updated my phone number as I asked, which I did NOT ask them to do, they are trying to trick me into responding to them!!!! Make them STOP CONTACTING ME NOW!!!!! They are breaking the FDCPA, sue them and shut them down!!!!! Enforce the laws!!!!! I have NEVER given them my authorization to contact me by email, and told them I did not want to be contacted by phone either, ONLY by MAIL!!! Now I am telling them to " CEASE AND DESIST ALL COMMUNICATIONS '', because they are obviously ignorant and do not respect boundaries!!!! Nor do they follow the laws!!!! Make them STOP!!!!!
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX DEPT. OF EDUCATIO XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize this account on my credit. u must remove it
Product: Student loan

Sallie Mae gives you a standard six months before you have to start making your loan pay backs. When that six months was up I applied for a forbearance for the loans because my husband is in XXXX program and we are not making it on what I make alone. The time has come to repay the loans once again and we are behind in the loan payments. I called after getting letters in the mail and tried to see if I could do another forbearance and they said that I could not. I can make the payment on one but not the other. They stated that I would have to make a payment in order to get information from customer service. I am trying to see the options and they were holding information for ransom. Stating that I was not be able to find out anything without making a payment. Then, I say OK and made a payment and asked if then I could get to the customer service for repayment options and they " tried '' to transfer me over but it did n't work. So then the rep stated that I should call from a phone number that is not on my file so I can get some repayment info. If i use my husbands number or mine it would just route back to collections and they states that they do n't have the same info that customer service has. So I guess I am going to make what payments that I can until I can get more info or help. I really feel like we are being punished for trying to better ourselves through schooling. My husband has at least another year and a half before he is done with his program.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **Name : ** XXXX XXXX XXXX - **Date of Birth : ** XX/XX/XXXX - **Social Security Number ( last XXXX digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX, FL XXXX **Background : ** On XX/XX/XXXX, EXPERIAN deleted the following information from my credit report : was confirmed. 
**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that EXPERIAN has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report. 
2. Ensure that EXPERIAN complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with EXPERIAN ] regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information.

- Any other supporting documents deemed necessary to investigate this matter.

**Contact Information : ** Please feel free to contact me at the above address or by phone at should you require any further information or clarification regarding this complaint.

I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a packet from XXXX XXXX XXXX XXXXe. I also received a letter from XXXX XXXX  Bank recently. XXXX XXXX XXXX stated a power of attorney is being used by family members. My youngest child have a mental XXXX and is receiving XXXX XXXX XXXX as a result. His name is XXXX XXXX XXXX XXXX, he is also a substance abuser. His social security number is XXXX. XXXX XXXX XXXX stated the circumstances were unique yet permission was given to family members to access my accounts. I needed this in writing and on the bank letter head. I now have evidence of these fraudulent transactions made by family members. 

I mentioned earlier that The XXXX XXXX is abusing my identity. XXXX XXXX XXXX XXXX XXXX stated that I sent a copy of my credit report. The reason I terminated Attorney XXXX XXXX is because he filed my wage earner case that was XXXX in XXXX and XXXX. Those dates that was changed to XXXX is located on that credit form I sent you. 

I sent the XXXX for my former employer, because XXXX XXXX XXXX XXXX XXXX deleted themselves from my credit report. All of my history have been deleted from my history. XXXX XXXX have written a query for me showing my former employers. 
From XXXX. 
In XXXX XXXX XXXX XXXX shows my loan was with XXXX XXXX in Texas from XXXX. A copy of the XXXX statement was mailed to me from XXXX XXXX XXXX. The bankruptcy courts was n't notified of this transfer. It 's not on my credit report with XXXX. It is in XXXX XXXX XXXX data base. 

All of the payments made by whomever that have a business and uses checks with XXXX digits and made wire transactions. 

Property Taxes have been paid on the property at XXXX XXXX XXXX XXXX TN XXXX. But not reported to IRS. 

I have a copy of my credit report from XXXX XXXX when I filed bankruptcy in XXXX. Payments was itemized by them. I will send you a copy if you need it for your investigation. Both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have been deleted from my credit reports as though I never purchased the property. 

Even though the law states after foreclosure it should remain on your credit report for XXXX years.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX 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 reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , i received a credit alert saying I have a 30 day lateness with  XXXX . I immediately called them to let them know there must be some type of error because i set up auto pay with them. I was told today that there was a glitch in their system and that my auto pay was never processed. Now, I do n't have any other lateness 's on my credit report. I take pride in having Excellent credit and this error is causing me not to get approved for my mortgage loan. Can you please  correct this lateness as it was a glitch on their part and not mines. I 'm looking forward to move my family into our 1st Brand new home. Thank you in advance!