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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My Escrow had paid my property taxes on my behalf, though they had collected more than needed ( Due to my tax abatement for XXXX Veterans ) after which I have a balance of {$960.00} I had waited for the disbursement to be mailed to me as communicated on their webpage ( File : XXXX - Escrow Guidance ), no luck waiting. 
after waiting this period I have reached out to customer service via their webform, and received an automated message that they received my request ( XX/XX/18 ). I still have not received a reply ( As of XX/XX/18 ).
Product: Debt collection

AFFIRM INC Unsecured Loan with account # XXXX opened on XX/XX/year> and a balance of {$260.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received a credit score from XXXX of XXXX. Last week I received a credit score of XXXX from Experian. Both citing that I do not have a record of an installment loan. Ive sent a certified copy of lease and loan paid off on time and in full from XXXX and it is still not being calculated in my credit score. 
1. Theres a significant discrepancy between credit scores and companies 2. All three of the credit score companies have ignored my request and documentation of a car loan and lease paid off with XXXX
Product: Credit reporting or other personal consumer reports

Account/File # XXXX This complaint is a REBUTTAL to a response from WILSHIRE  CONSUMER CREDIT dated XX/XX/year> regarding a dispute on the above Account/File Number & also previous disputes regarding this account. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information. First of all I have never asked if you are reporting accurate information!

The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop responding to my disputes with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and WILSHIRE CONSUMER CREDIT are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - WILSHIRE CONSUMER CREDIT is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Equifax Dispute Department, I am writing to formally dispute the following inaccuracies on my credit report. The information provided is either outdated, incorrect, or unverifiable and is causing harm to my creditworthiness. 

Items in Dispute : XXXX. XXXX  XXXX bankruptcy : reference number XXXX, Court : XXXX XXXXXXXX XXXX  TX XXXX XXXX. XXXX XXXX XXXX : account number XXXX XXXX. XXXXXXXX XXXX XXXX : account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX. XXXX XXXX  : account number XXXX XXXX. XXXXXXXX XXXX XXXX : account number XXXX XXXX. XXXX XXXX : account number XXXX As per the Consumer Financial Protection Bureaus recent findings ( Case : CFPB Orders Equifax to Pay {$15.00} XXXX, XX/XX/year> ), it has been documented that Equifax has failed to conduct adequate investigations of consumer disputes and has allowed inaccuracies to persist in credit reports. This raises serious concerns about the integrity of the dispute process and compels me to insist on a thorough and fair investigation of my case. 

Specifically, I request the following : 1. Immediate removal of old, closed accounts that no longer meet reporting criteria under the Fair Credit Reporting Act ( FCRA ).

2. Removal of the bankruptcy notation as it has either exceeded its reporting limit or lacks proper verification.

I have enclosed copies of my credit report, a copy of the CFPBs ruling for reference, and additional supporting documentation to substantiate my dispute. Please note that under the FCRA, you are required to investigate my dispute within 30 days of receipt. If you are unable to verify the disputed information, you must delete it promptly. I look forward to your timely response and resolution of this matter. 

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

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a personal Loan account opened at Possible Finance on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), A personal loan Account opened at XXXX on XX/XX/XXXX under the account number XXXX and A personal loan Account opened at XXXX XXXX XXXX on XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the Us Federal Trade Commission that all of 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 would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 


XXXX XXXX XXXX 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 card

I sent in tender letter to be added to application for tender payment under fed code sec 16.1 and 16.2.
Product: Mortgage

I have a home equity line of credit on my property through Bank of America. The balance on this line of credit is {$0.00}, having been fully paid of since XX/XX/2020. 

We are trying to refinance the mortgage on this property through XXXX XXXX, and they have told us that we need to close the HELOC account before completing the process. Right now, closing this account is the only thing delaying the completion of the refinance. 

Throughout early and mid XX/XX/2020, I tried many methods to find a way to close this account. When I called the number given on the BoA, there were no automatic options given for closing the account, nor was it possible to speak to a live person to explain my problem through any route I could find. The BoA website also gives no way to close the account. 

I submitted a help request on the BoA website in early XXXX, and never received any type of response. 

I went into a local BoA branch to ask to close the account, and they said I would have to call toi do it and gave me a number. This number took me to the same automated system as the number on the website, and I couldn't find a way to talk to a person or submit a request. 

I tried to schedule an appointment to talk with someone on the BoA website ; they did not have any opening available until late in XXXX. When they finally called me, they said they could not help me with the issue, but gave me another number to call. 

On XX/XX/XXXX, this number did get me to someone at BoA who said that they would close my account and mail me a letter to confirm that the account was closed. They said it would take 5 business days for the account to close and they weren't sure when the letter would arrive after that. 

As of XX/XX/XXXX, no letter had arrived, so I called the number again. They confirmed that they had the request to close the account in their system, and they had marked the request as resolved, but the account was still open. They said they would have the account closed in 24-48 hours. 

As of today, 9 days later, the account is still open. This has significantly delayed our attempts to refinance our home, and if it is not resolved quickly, XXXX impact our ability to get the low rate we were initially quoted.
Product: Credit card or prepaid card

I have attempted to fix fees charged through sams club credit account handled by synchrony bank, by calling, in, and I always get representatives in another country who can barely speak English. I went ahead and just called this morning, since I received a late statement. Making my payment late and their rhetoric, is to repeat the most recent information on the card. I asked about the fees and she simply brushed me off. I requested a change of address and she placed me on hold over 10 minutes. This is unacceptable. I need customer service in the US or a creditor that will actually service the needs of the public before placing the needs of the bank first.
Product: Debt collection

Collection Service Incorporated claims to have sent an itemized state obligating me to a debt they say I owe. Unfortunately, HIPAA regulations in the United States prevent any medical documentation to be shared. I am requesting that Collection Service Incorporated provide the following since they have failed to do so.

Debt validation in the form of an original bill and detailed statement of procedures is required.

Debt Validation should be received no later than 30 days from receipt of this request.

If First Collection Service Incorporated can not provide adequate validation within the 30-day time frame, all debts should be immediately removed from all three major credit reports. 
I request all further correspondence regarding this debt collection to be sent via mail. Do not contact me by phone
Product: Debt collection

Navy federal credit union calls from sun up to sun down I ask for validation of the debt
Product: Student loan

Good afternoon, My name is XXXX XXXX and I am reaching out for some help regarding my federal student loans disbursement. This is not a complaint filed on my school or my loan servicer, but rather on my online bank that my excess funds were sent to. I would like to file a complaint on the banking app called Venmo. I have had recent disbursements sent to this account without any issues but this time on XX/XX/year> was different. I received my excess payment for {$3600.00} and sent some money to my boyfriend since I had my Venmo card at my mothers house and did not have access to it at that time. I had to sent multiple payments for small random amounts because it would not let me send the amount I wanted to and kept declining certain amounts. Well that same day, they emailed me and put a suspension on my account. They will not allow me to transfer my money to my linked bank account nor will they unfreeze my account. I have {$2700.00} still in my account that I have no access to. They asked me to change my password and send in a photo of my drivers license to verify identity. They told me it would be 3 days until they removed the suspension or I could use my funds. Well it has been 3 days and I have contacted them over and over again with no response and my account is still frozen. I am currently at risk for eviction because I promised my landlord this money since Im behind. I have XXXX children at home and I need to buy groceries, which I have none. And lastly I need to purchase a laptop so I can even continue my online classes since it is impossible to do solely on my mobile device. Please help me get my federally funded student money back from Venmo. They are purposely trying to scam people to keep their money. I have done nothing wrong and desperately need my funds. I do not have money for an attorney and I need information on what I can do about this situation. You can reach me by email at XXXX or by phone at XXXX thank you, XXXX XXXX.
Product: Debt collection

XXXX, XXXX XXXX XXXX, Attempting to collect a debt after already having all of my valid contact information have been calling and harassing my family members. They are calling from XXXX. They are calling regarding an old payday loan from XXXX XXXX. I made payments on this payday loan for over a year until I was no longer employed. I have asked them to only contact me and they continued to contact other family members.
Product: Checking or savings account

Navy Federal Credit Union are in violation of sections 1053 and 1055 of the Consumer Financial Protection Act, 12 U.S.C. 5563 and 5565 and section 1036 ( a ) ( 1 ) ( B ) of the Consumer Financial Protection Act and 12 U.S.C. 5536 ( a ) ( B ) that prohibits unfair, deceptive or abusive acts or practices. According to FILE NUMBER XXXX ( with the CFPB ) under sections 1053 1055 of the CFPA. 12 U.S.C. 5531 and 5536, Navy Federal was ordered to cease and desist from engaging in any unfair act or practice involving restricting a consumers electronic account access when the consumer is delinquent or overdrawn on any navy federal credit union account. 

Navy Federal Credit Union has continually violated my consumer rights per the Consumer Financial Protection Act. Navy Federal Credit Union has unfairly restricted my electronic access, blocking my debit card usage and online account functions. This restriction is a direct result of having missed payments on my business credit card and personal credit card according to the Navy Federal Credit Union. 

Navy Federal Credit Union transferred those funds electronically towards my Business Credit Card. The amount transferred was {$300.00} dollars to cover an unpaid balance of roughly {$700.00} dollars on a closed business credit card account. Navy Federal Credit Unions actions caused my personal checking account to go negative in the sum of {$58.00}. When I called to speak with multiple Navy Federal representatives, they said they would not reverse the transfer and I will be responsible for the overdraft and all fees associated with the overdraft daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXX of Inquiry : XX/XX/ Please remove it from my credit report. 2 This account should not be reporting on my credit report XXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Bank account or service

I applied for a checking account from Key Bank that promised a {$300.00} bonus for making a direct deposit of at least {$500.00} within XXXX days. The bank confirmed that I met that requirement, but denied me the bonus because I had an account with XXXX within the last XXXX months. But the fine print of the offer ( which I will attach a screen shot ) only said I could n't have had an account with Key Bank in the last XXXX months. Nothing about XXXX. I had no way of knowing they were affiliated. The fine print they sent me in their denial email ( which I will attach ) is not the fine print that was on the offer page, nor in the confirmation of account opening. This was a bait and switch, and now I am stuck with the account for at least XXXX months to avoid early closure fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about ALLIANT CU and XXXX Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2020. Because I did not apply for credit with ALLIANT CU on that date. 
Please launch an investigation into the ALLIANT CU inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. ALLIANT CU is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

To my complete surprise, I discovered false accounts on my credit report this morning, and I dont understand how they ended up there. I regularly monitor my report, but this time, discrepancies appeared out of nowhere. I assumed it might be a browser error, so I refreshed the page, but the accounts were still there. This has left me feeling confused and worried. I need the documents Ive submitted to be carefully reviewed to ensure this situation doesnt repeat itself.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I attempted to refinance my student loan with my current student loan company XXXX XXXX. I applied with a co-signor who is not a XXXX XXXX of the United States. At first, I was unsure if my co-signor would be eligible, however on XX/XX/XXXX, I contacted the company and was informed that co-signors were allowed if they had certain US XXXX. I sent my co-signors XXXX information and provided all the documents that were required. I was approved for a fixed payment of {$1500.00} for 15 years. Sofi required a few documents to complete the application, which were provided. On XX/XX/XXXX at XXXX XXXX I received a call stating the only item that was needed was a clearer copy of my co-signors ID. The ID was uploaded to Sofi 's  website at XXXX and I was told on the previous phone call that my loan would then go forward at the original terms. However, I received an email at XXXX XXXX on XX/XX/XXXX stating Sofi was unable to offer me credit as I was previously approved. They offered terms at a higher interest rate with a monthly payment amount of {$1600.00}. Sofi 's reasoning to increase my interest rate was my income differed on my application. On XX/XX/XXXX, I called Sofi to  discuss why my income had differed because I had inputted my correct income. I was informed my income was not the issue, but Sofi was unable to accept my co-signor. On this call I was told it was not their policy to accept a co-signor who is not a XXXX US XXXX. This information contradicted the previous information they provided and Sofi had been in receipt of  my co-signor 's XXXX information as of XX/XX/XXXX. However, as of XXXX on XX/XX/XXXX my  application was being accepted with my co-signor. It seems my interest rate was increased at the last hour in order to get my to pay a higher interest rate. I attempted to refinance my loan because I am currently in an adjustable rate and it continues to increase. I am beginning to struggle to make the payments and this will continue to worsen if my interest rate continues to increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute my charged-off XXXX XXXX XXXX  credit card account ( account number begins with XXXX and ends with XXXX ), as this account is now paid in full with a XXXX dollar balance, as of XX/XX/2021. The credit bureaus dispute website will not allow me to file a dispute for this account and it gives no such reason why Im unable to file a dispute for the XXXX XXXX account, so that the account is updated on my credit file to reflect paid in full and a XXXX dollar balance. I have tried to upload supporting documentation to the credit bureau, but I receive no acknowledgment that its been received or that its being processed as a means to substantiate that this particular debt is paid in full with a XXXX dollar balance as of XX/XX/2021.