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

Bloomingdale 's may have violated the Equal Credit Opportunity Act ( ECOA ). 


This is made clear by their having denied my application on the sole basis of the " number of credit bureau inquiries '' on my credit file and further exemplified by their clear dismissal of my reconsideration letter. In the aforesaid letter, I had made it clear to Bloomingdale 's credit services that it had come to my attention after receiving their " denial letter '' that there were a number of unauthorized pulls on my credit file, which I then brought to the attention of XXXX, who after investigating the matter, ruled in my favor and promptly deleted the unauthorized inquiries. 

Since it was expressly clear that the inquiries were the alleged reason for their denial, it lead way to a reasonable inference that if this was rectified, that Bloomingdale 's would thereafter extend credit to me as the reason for the inquiries on my file were not to a fault of my own. 

Yet, I have not heard from their credit service department and they have refused to discuss this further with me over the phone when I called. It is clear to me in the way they have addressed me over the phone ( with such disdain, even mocking my name as it was not a novelty for them in their rejection pile ) and in ignoring my correspondence, that they are clearly discriminating against me.
Product: Student loan

Started my Public Service Forgiveness process on XXXX. My lender altered my loans and changed my payment status several times over the course of the 10 years and I am now at 48 months of forgiveness instead of nearing the 120 months of forgiveness. I have attempted to call the servicer several times regarding this issue and each time you receive a different answer and a different employee. I have requested in writing my loans were altered and they have failed to provide proof of my request to alter my loans or change my repayment status.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 168 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generaiff, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I signed up for navy federal 1 week before I deposited a XXXX dollar check. Navy federal didnt restrict my account until I deposited my check into their bank. I visited them to deposit the check. I couldnt deposit it online so I had to go in. Then they closed my account down. Sent my check in the mail. Ive never experienced this before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with this Credit Agency in regards to this Bankruptcy that is being reported on my credit as " Verified As Accurate '' On XXXX XXXX I personally contacted the bankruptcy court myself and spoke with XXXX who is the Bankruptcy Court Clerk at XXXX XXXX est. She made it 100 % clear to me that they do not report anything to the credit Bureau and nothing is on file with them Confirming anything with the credit reporting Agencies. XXXX then stated that they do not report anything to XXXX, Transunion nor XXXX! Please Take it Upon yourself and contact them at XXXX. The number that XXXX provided to me to contact the Bankruptcy court was also incorrect. I am tired of being lied to stating that the information was verified as accurate when it IS NOT. I want this Removed IIMMEDIATELY because you are not verifying this information with the DIRECT CREDITOR!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/XXXX US DEPT ED XXXX XX/XX/XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau.
Product: Credit reporting or other personal consumer reports

I recieve emails and letters from the XXXX bureaus saying I'm using XXXX party wihich is wrong. 
Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Please delete the following inquiries : Inquiry Name : XXXX XXXX : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$19000.00} Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Account name XXXX XXXX Account number : XXXX Account XXXX : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account balance : {$7800.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account balance : {$1800.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account balance : {$710.00} Date of account open : XX/XX/XXXX Inquiry Name : XXXX XXXX  XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XX/XX/XXXX Inquiry Name : XXXX XXXX  XX/XX/XXXX Inquiry Name : XXXX & XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX {$19000.00} Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX  Account balance : {$7800.00} Date of account open : XXXX. XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number XXXX XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account balance : {$710.00} Date of account open : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a dispute I sent to Transunion on XX/XX/2018 requesting to verify, validate, and provide evidence that they had the right to report the debt of {$1900.00} to XXXX. 

Transunion did not provide the verifiable proof as I requested within the 30 days. All they did was send me an update on XX/XX/2018 updating a small piece of information they already had to meet the XXXX requirement. I specificially requested evidence as I had a right to. I have yet to receive the proof that they had the right to report this debt. I am requesting your assistance in verifying that each credit bureau followed the process according to the FCRA. Based on the fact that the verifiable proof was not provided within the XXXX dispute period, I request the debt be deleted from my credit file as they did not meet the deadline to provide the information. 

Please see attached correspondence originally sent to the credit bureau, and their responses. 

Item : XXXX XXXX XXXX XXXX : XXXX XXXX : {$1900.00}
Product: Student loan

In XXXX, I negotiated a pay-off with Navient regarding a private school loan. The pay-off was in the amount of approximately {$12000.00}, with one payment scheduled in XXXX for {$9000.00} and the other {$3300.00} in XXXX. When the agreement was made, I was in the process of buying a home and the closing date was cancelled. Closing has been delayed and I was advised to not make a large payment of {$9000.00} prior to closing. As a result, I contacted Navient PRIOR to the scheduled payment XXXX XX/XX/XXXX and XX/XX/XXXX of 2020 ) in order to renegotiate. Navient was unwilling to renegotiate the pay-off and informed me that any funds received that is less than the original pay-off amount would go towards the full balance, which was approximately {$33000.00}. On that call, the manager XXXX XXXX XXXX at XXXX ) told me he would contact me on XX/XX/XXXX with an amenable compromise. He never called and therefore, on XX/XX/XXXX, I contacted Navient and spoke to a new agent who read all the notes in my account and agreed to a new payment arrangement towards the full balance ( {$33000.00} ). Navient scheduled a $ XXXX agreement. The previous manager decided to cancel the agreement with no warning or justification. He and his employees called my phone incessantly as well as sent threatening emails and voicemails to renegotiate or warned that it would influence my homebuying process. I responded to an email requesting to cease and desist all contact and they continued to harass me and contact my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the accounts below have violated my rights. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX. 

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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX  closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Bank account or service

I have not received my debit card or checks for my Health Savings Account ( HSA ) from the financial institution, Webster Bank. I 've made XXXX calls to Webster Bank customer service at XXXX confirming my correct mailing address each time and requesting resolution. Still no card. My office called and no resolution. ( I 'm receiving monthly HSA account statements from Webster Bank and all other mail at same address. ) I have a locked mailbox, and have checked with my apartment 's main office, which confirmed they 've received nothing for me from Webster Bank. Contact log with Webster Bank customer service : XXXX/XXXX/2016 : Debit card supposedly mailed XXXX/XXXX/2016. Never received. Confirmed mailing address on file as correct. 
XXXX/XXXX/2016 : Debit card reordered. I was told it would arrive XXXX to 14 business days. Confirmed again my correct mailing address. 
XXXX/XXXX/2016 : I was told debit card was mailed on XXXX/XXXX/2016. Confirmed a third time my correct mailing address. 
XXXX/XXXX/2016 : I was told checks in lieu of debit card would be sent overnight to my correct address. Never received. 
XXXX/XXXX/2016 : My office benefits manager called Webster Bank 's business customer service line and was told nothing further could be done. 
Meanwhile, my prescriptions have all run out, and I have health provider balances I ca n't pay because Webster Bank ca n't seem to provide basic banking services.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Comcern : I have an account with XXXX XXXX, and although I made a check payment that was rejected by my bank, XXXX, did not resubmit the returned check a second time, which is a customary banking practice. Instead, I was referred to the credit bureau as being 60 days late. XXXX has been difficult, if not impossible to conduct business with due the the appearance of their predatory practices. My credit has been ruined, and my life has been turned upside down because of their cut throat and specious practices.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX/XXXX/2018 I made a payment to my Capital One credit card for the balance in full, I did so by selecting the " current balance '' option. There was a total of four different options ( other amount, last statement balance, current balance, and minimum payment. ) After paying my " current balance '' I was charged interest, even though my balance should be at XXXX. When calling Capital One to get this issue resolved they were unwilling to reverse the interest charge. I am currently waiting to speak with a supervisor, and have been for the last 26 minutes.
Product: Credit reporting

I have disputed this account several times The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 

1. Payment history is inaccurate and incomplete.
Product: Money transfer, virtual currency, or money service

XXXX XXXX buyer was searching supplier from net component XXXX XXXX XXXX XXXX XXXX, and buyer found supplier XXXX XXXX XXXXsend e-mail via net component. 

XXXX XXXX buyer called supplier XXXXXXXX XXXX XXXX placed order to XXXX XXXX XXXXXXXX total amount is XXXX. Buyer contacted supplier by XXXX she acquired from net componentand buyer asked for pictures before payment. 

XXXX XXXX buyer keep pushing supplier to send pictures via e-mail and XXXXsupplier replied by e-mail he needed some time to acquire pictures from their XXXX vendor. 

XXXX Supplier provided pictures in e-mailXXXX buyer XXXX XXXX checked the label information and negotiated the payment termthen planning to arrange payment of 20 % deposit in advance. 

XXXX Finance team reviewed and arranged payment for 20 % deposit=USDXXXX, XXXX buyer send XXXX copy to supplier via e-mail. 


XXXX Supplier provided tracking number by e-mail. XXXX XXXX XXXX Tracking : XXXX XXXX XXXX buyer started tracking the shipment since no delivery update. XXXX went to net component again to find suppliersupplier information in net component now has changed to the correct one the real supplier claimed they did not receive the order, the payment and did not arrange the shipment. And supplier then informed XXXX that their company information on net component was changed by Hacker and we got fraud. 


XXXX XXXX buyer informed XXXX XXXX teamXXXX XXXXXXXX team initiated an application for revoking the payment on the bank 's online banking side, and contacted the bank in time to request the withdrawal of the payment. As of today, XXXX has not received feedback from the other party 's bank or intermediary bank, and the payment has not been withdrawn. we recall many times CHASE BANK request to return our money form XXXX XXXX, at the same time, we called the XXXX POLICE, but CHASE BANK nothing to do, the money still not return to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has committed fraud and required payments as well as fraudulently attempted to accept them when federal law states and is PROOF that ALL debt is due to the United States which wouldnt require me by law to owe ANY DEBT to TRANSWORLD SYSTEMS according to 18 USC 8 which states The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. which is furthermore PROOF and FACTS that my complaint against this company CANT BE REBUTTED and is also PROOF this company is or has been committing a crime since the first payment was made or is currently being demanded to pay a debt claimed to be owed by me.