23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

It is showing on my credit report that I have had a credit card with CitiCard CNBA since XXXX of XXXX. However, I wouldn't have even been XXXX XXXX XXXX yet, so obviously I did not take out a credit card. This is affecting my credit score. I have tried calling their customer service, but it has proved ineffective, considering they want me to provide account or card information which I obviously do not have. I need this issue resolved as soon as possible, and they arent being helpful whatsoever.
Product: Mortgage

Dear Rocket Customer Service : This letter serves as an official notice of my intent to file a complaint with the Federal Trade Commission and XXXX if the matter at hand is not promptly resolved. I reached out to your organization earlier today in relation to procuring a copy of my Tax information pertaining to the property located at XXXX and Account # XXXX for which I am currently paying a mortgage through with Rocket Mortgage. Unfortunately, I encountered an unprofessional behavior from XXXX, a customer service representative from Rocket Mortgage, who abruptly terminated our conversation. Subsequently, I made a follow-up call and engaged in dialogue with a representative named XXXX. During our conversation, XXXX disclosed that my account has been subject to a security hold, leading to its current locked state for security purposes. 

According to legal requirements, I should have already received my Tax Information via mail. Should I not receive a timely response within 24 hours concerning this matter, I hereby declare my intention to involve my legal counsel and initiate civil proceedings. 

Sincerely, XXXX XXXX XXXX. Federal Trade Commission XXXX XXXX XXXX  Attorney Class Action Attorneys
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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. 

Experian verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report! You are hearby put on notice that you are furnishing incorrect inaccurate information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.
Product: Checking or savings account

I opened a US Bank checking account on XX/XX/2021. I completed the necessary direct deposits transaction within the given timeframe of 60 days of account opening to receive the promotional {$250.00} bonus from the bank. After completing these necessarily steps and waiting the 60 days for the bonus to show up in my account, I have received nothing. I have heard of other consumers having this problem as well.
Product: Mortgage

My mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX were mishandled by Mr. Cooper. I made additional payments to ensure that my account was never delinquent. Also my hefty escrow payments were to temporarily be allocated to cover any money that was owed as our family dealt with a financial hardship. I am asking that the information showing my account as 30 days late in XXXX, XXXX, XXXX of 2019 be removed. Furthermore I am asking that the information showing my account as 60 days late in XXXX of 2019 be removed. I communicated extensively with my mortgage provider and was guaranteed that my credit would not me negatively impacted as I continued making my mortgage payments on an alternate schedule during my families financial hardship. I ask that these 4 black marks reflecting late payments in 2019 be removed from my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX, and BRCLYSBANKDE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, XXXX, and BRCLYSBANKDE with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

Within the last year, I receive on a daily basis and average of XXXX - XXXX Citibank pre - approved cards or Upgrades. I have a Best Buy card that is through Citibank. 

And althought Im very happy with the card, Im dissappointed with the non stop marketing and promotion that floods my mail box. 

Citibank, continued PRESSURE '' to have me extend my credit is not only Exhausting But at this point has become HARASSMENT. 

Just because I hold a BestBuy card doesnt give Citibank that right to continuesly go in and out of my credit report. My Card balance and payments are up to date. And that should be their only concern. 
Not to push me into further debt, and Obligation that can surely become a problem for me in the future. 

Im concerned that the daily Harassment from Citibank pre approved credit cards and extended credit COULD have created the problem of Theif that has been reported to the Credit reporting agencies. 

I have made numerous complaints to XXXX, about my mail being stolen in the past. The issue still to today hasnt been corrected or resolved. Although I have sent to the 3 credit reporting agencies police repots and Investigations along with document from XXXX XXXX XXXX confirming that there was actual a crime committed. My credit information is still made available without my consent. 

Id like Citibank to opt me out of all marketing and promotion, that I havent applied for, Citibank may have contributed to the thief in my account from the past. Since they are sending so many pre approved application to me, and my mail continues to be stolen and XXXX has done nothing about it. Citibank continues to put my personal information and finical security at risk. 

The only solution here is to STOP, all Promotions and Marketing to me. I have opt-out from this from all Credit reporting agencies over a year ago. Yet Nothing is being done to protect my Personal and Finical Information from these institutes. 

I shouldnt have to opt out of this Marketing as listed on the application enclosed from Citibank by calling XXXX by me calling this number it will enable the answering service to capture my phone number, and then I will start to receive unwanted phone calls from TeleMarketers. 

It seems like a waste of time to opt out of mail marketing to sign up for Phone Telemarketing which is what will be created. 

Im asking Citibank to Please Opt me out of all Marketing and Promotions that THEY have Opted me into. And to Stop Created a problem that has caused a CRIME TO BE COMMITTED on my credit report as VERIFIED by the Police Department reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the years of XX/XX/XXXX and XX/XX/XXXX, my parents ( XXXX and XXXX XXXX XXXX : address XXXX XXXX XXXX XXXX, GA ) ( the police report upload has it a few items mistaken like the name on it has XXXX not XXXX ) took out many student loans under my name without my permission with themselves as co-signers. The disturbing part is the fact that the XXXX has paid for my entire schooling and I have proof of that. I had contacted all of the credit bureaus ( Experian, XXXX, XXXX, etc. ) to let them know what had happened with a police report and proof. But they are still reporting the student loans with incomplete/omitted information, that is bottom line fraudulent. Also after contacting them discovered that they were not keeping up with the right information anyway, like my home address. And if it was changed, my parents did so by using the return address on the gifts I would send my baby brother, never by me. They never tried to do research to find the paper trail, because if they did they saw the paper trail they wouldve seen that the money went into their private accounts and never used for school. The companies that Ive found so far are as follows ( all amounts are approximate ) : 1 ) XXXX/XXXX- {$3400.00} 2 ) XXXX XXXX XXXX- {$10000.00} 3 ) XXXX XXXX- {$17000.00} 4 ) XXXX XXXX XXXX- {$16000.00} 5 ) XXXX XXXX XXXX- {$10000.00} 6 ) XXXX XXXX- {$3400.00}
Product: Credit reporting or other personal consumer reports

This new complaint is response to your recent correspondence requesting additional documentation, including my full Social Security number and identification, regarding the matter I raised with the Consumer Financial Protection Bureau ( CFPB ). I must assert that your request is improper and inconsistent with both federal and consumer protection laws. 
Your demand for my full Social Security number violates the Privacy Act of 1974, which restricts the unnecessary collection of personal information by entities. Moreover, as a credit reporting agency regulated by the Fair Credit Reporting Act ( FCRA ), Equifax already has sufficient identifying information on file to address disputes and complaints, as this information is part of your obligation to maintain accurate and complete consumer report.

Under 15 U.S.C. 1681i, you are required to investigate disputed information without unnecessary delays or burdens placed on consumers. I have already provided sufficient documentation through my CFPB complaint to substantiate my dispute, and your request for duplicative or excessive information appears to be a delay tactic rather than a good-faith effort to resolve the matter.

Your demand for sensitive personal information raises serious concerns about data security. Given Equifaxs history of data breaches, I find this request particularly troubling. I will not jeopardize my privacy further by sending information you do not require to fulfill your statutory obligations. 
I reiterate my expectation that you resolve this matter promptly and in compliance with the FCRA. You are required to investigate the disputed information and provide me with an update within the legally mandated timeframe. I will not send the requested full Social Security number or other excessive documentation, as it is unnecessary and violates my privacy rights. 
If you fail to take appropriate action or continue to impose unlawful burdens, I will escalate this matter with the CFPB and consider other legal remedies, including filing a complaint with the Federal Trade Commission ( FTC ) and seeking damages for violations under 15 U.S.C. 1681n.
Product: Credit card or prepaid card

I got an alert through my bank that a hard inquiry was made under my name for Discover Financial services. I reached out to discover and they indeed found and inquiry, the application was denied and closed. However, I did not make any inquiries for discover.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX EXPERIAN COMPLIANCE DEPT RE : NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : 1 ) XXXXXXXX XXXX XXXXXXXX {$230.00} No privacy disclosures provided. DELETE immediately Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk?

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). 

Experian and XXXX XXXX  are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses 1 ) XXXX XXXX XXXXXXXX {$230.00} No privacy disclosures provided. PLEASE immediately. 

XXXX XXXX
Product: Credit card

I visited Macy 's on or about XXXX XXXX, 2015, with friends. I was asked if I wished to if I if I wanted to apply for a Macy 's account to receive an additional discounton the purchase ( & gt ; {$15.00} total purchase ). I was asked for my identificationand to fill out an application ; I complied with both requests. After somemonths I noticed that I had not received a bill or the card for that matter. 
I contacted Macy 's by phone and spoke to a individual regarding themissing bill and card. We discovered that the wrong address had beenentered for my mailing address and that the bill and card were returned. 
I gave the individual the correct address which was on the application Ifilled out and it was agreed that the bill should come to the addressindicated on the application. I was then told that I would be responsiblelate fees in addition to the interest and that they would not considerremoving the additional charges even though it was the company 's oremployee 's error. Had she ask me if the address on my license wascorrect I would have told her to use the address on the application I wasrequired to fill out. I will gladly pay for the XXXX that Ipurchased, however, I refuse to pay for employee/company error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my FTC Identity Theft Affidavit to Equifax to block a medical debt that is appearing on my credit file. It was determined that the medical debt in question being held by collection company XXXX XXXX  and the original creditor being XXXX XXXX XXXX. The account number is XXXX, note that Equifax only shows the first digit on this account and the remaining four digits are blocked out. My FTC Affidavit also included an inquiry by XXXX XXXX that was also listed on the Affidavit and Equifax refused to block that as well. I received and email notification from Equifax stating my dispute was ready to view and upon doing so Equifax states that they would not be blocking this account from my credit file and I other reason was given. When I submitted my Identity Theft Report I also included copies of my drivers license, social security card, Identity Theft Report and 605b print off. XXXX and XXXX have blocked this account but Equifax refuses to do so. Even though Equifax received my Identity Theft Report they still added a fraud alert to my credit file.
Product: Money transfer, virtual currency, or money service

This transaction happened XX/XX/21. I was in the process of moving and couldn't take some of my furniture with me but an acquaintance suggested they will buy it off of me and we decided to do {$10000.00} for the multiple pieces of furniture ( sofas and a few bed sets ) that were going to be left behind. I agreed and said we should do the transaction through paypal since it is safe for us and I keyed in their card information so the transactions goes through and I understand it is safe for both of us to do it as for goods in case of any issues in the future so I understood there would be a fee paypal would take. They right away suspended my account and I refunded them their money since paypal was being hard to work with. I got an email from paypal to submit proof and since this deal is happening in person with someone I knew, I tried the best to explain the situation with paypal. On XX/XX/21, I got an email from Paypal saying I can no longer do business with PayPal and that my account is permanently limited but this doesn't make sense at all. I even had a few dollars in my account sitting. I contacted paypal again to push this issue to a higher up and was told someone will contact me within 48 business hours. It is now XX/XX/XXXX and no one has ever contacted me from Paypal and my account is still locked.
Product: Student loan

This in follow up to complaint XXXX. ( I don't see an option for supplementing existing complaints so I have created this new complaint. ) I requested information from XXXX on my XXXX Parent Plus loans. EdFinancial has, to date, refused to comply yet I am responsible for payments on these loans. EdFinancial refuses to share relevant and important information on my loans. Please help me with these predatory and lending actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX, XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

XXXX XXXX credit card run by Alliance / Comenity Bank does not fulfill the promotion that they are advertising. This offer is currently displayed on their home page ( XXXX ), Get 5 % back on an XXXX XXXX  gift card when using your XXXXXXXX XXXX  credit card with 6 or 12 months financing on purchases over {$990.00}. 

We made a purchase under these terms on XX/XX/2022, and XX/XX/2022, and have not received the promised gift card. 

When I called XXXX XXXX on XX/XX/2022, the rep said the bank was responsible for fulfilling this and provided me with Alliance Bank contact info ( XXXX ). When I called Alliance Bank, the first rep said they were not aware of this offer. The second rep at Alliance Bank said this gift card should have been sent out within six weeks of our purchase, and then she dropped the call. The third rep at Alliance Bank informed me that XXXX XXXX is responsible for fulfilling this offer. 

It is a fraudulent posting as neither XXXX XXXX nor Alliance Bank are not fulfilling what they offer. This is false advertising.
Product: Payday loan, title loan, personal loan, or advance loan

I attempted to submit an Opt-out request to limit the sharing and selling of my data, as well as a request for a copy of my data per theCCPAct, and a deletion of my data. This request was denied. Affirm refuses to give me access to my account and/or data, or to manage it whatsoever. They claim that they can not verify my information by what i have given them. But they have my account in front of them ; one of the representatives even said so! but that he was not able to submit the request. They are using their policy which values the security of data and privacy of consumers for nefarious unethical purposes, and to prevent me from exercising my rights as a consumer. I have provided them with ample information to ever verify that the account is mine. I previously submitted a complaint because they were declaring my account delinquent due to failure to make my monthly payments ; but I couldn't make my payments because they wouldn't give me access to my account! I now suffer with derogatory remarks on my credit because of a measly few XXXX dollars that I was willing to pay but they literally would not let me. Now they are preventing me from exercising my rights as consumer, and my rights as a resident of California, by not allowing me to submit these requests to manage my data This all started.a few years ago when they were giving me a hard time about accessing my account to make my payments and I lost my temper on the phone with their staff. so now, it is my belief that they are using their internal policy to execute and perpetuate a personal vendetta!. Regardless of whether or not I lost my temper, I am the consumer, and therefore do not have the same obligation of maintaining professional courtesies, because I do not work for their company my ethics and behavior are not an issue. However, there practices and ethics are an issue., and they should not prevent consumers from protecting their rights. Nothing was done by the CFPB previously, and as a result, nothing has changed in their behavior. Now, I am dealing with this issue that has affected my life and my credit. I am sincerely losing faith in the Protection Bureau, what its primary goal ( s ) are, and its efficacy to reach those goals, or make a difference in the lives of Consumers on a microcosmic level.