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

I am writing to formally lodge a complaint concerning the mishandling of my credit report following identity theft and subsequent disputes, under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft, which has led to unauthorized hard inquiries and the creation of fraudulent accounts on my credit reports maintained by XXXX, XXXX, and XXXX. I have taken the necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). Copies of these reports were sent to the aforementioned credit reporting agencies to notify them of the fraudulent activities affecting my credit files. Despite my efforts, including filing numerous disputes and opening several investigations with XXXX, XXXX, and XXXX, the unauthorized accounts and inquiries remain on my credit reports. These inaccuracies are adversely impacting my credit score and, consequently, my financial well-being. The persistence of these errors violates my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) and the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), which mandate the timely correction of billing errors and inaccurate information in consumer reports. The lack of appropriate action by the credit reporting agencies also undermines the objectives of the Truth in Lending Act ( 15 U.S. Code 1601 and 1602 ( p ) ), which aims to promote informed use of credit and ensure fair and accurate credit billing and reporting practices. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and take the necessary actions to ensure : 1. Immediate removal of all unauthorized hard inquiries and fraudulent accounts from my credit reports. 2. Rectification of any inaccuracies in my credit reports caused by these fraudulent activities. 3. Assurance that the credit reporting agencies comply with the regulations set forth under federal laws to protect consumers from identity theft and credit report inaccuracies. Enclosed are copies of the police report, I trust that the CFPB will take my complaint seriously and act promptly to rectify the situation. Thank you for your attention to this urgent matter. I look forward to your timely response and resolution. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX : 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: Debt collection

I am deeply concerned by your persistent refusal to remove fraudulent accounts from my credit report, especially in light of clear evidence of fraud and confirmation from other bureaus that have successfully removed similar accounts. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. 
Your failure to comply with the law is unacceptable. 
XXXX XXXX XXXXXXXX
Product: Credit card

Through Apple I bought a new iphone. As part of the purchase they will give you {$220.00} trade in on your old phone and used my Apple credit card issues through Goldman Sachs. I received the {$220.00} trade in, but then Goldman treated the {$220.00} trade-in as a refund/return and took {$6.00} from my account as something called 'daily cash '. And if they are doing this to me, they are doing it to everyone. It has taken great effort to explain to them that this was not a 'refund ', it was a trade-in credit. Apple/Goldman are ripping people off.
Product: Checking or savings account

XX/XX/XXXX I deposited a check for the amount of {$1000.00} It says that was going to be clear by XX/XX/XXXX The founds Its Friday XX/XX/XXXX and nothing I have to pay rent today last day is Monday XX/XX/XXXX If I dont pay they will send an eviction notice I have kids and wife ( XXXX  ) The check is from my oldest rental apartments residential The check would have help me to pay my current rent The check says My name and wife name I dont see the problem But anyways is affected myself and my family as well like bad I dont know what to do I dont know if a need a lawyer Is affecting my mental health and my family Wells Fargo my bank XXXX has let me down in ways a cant explain Everything is with Wells Fargo bank
Product: Credit reporting or other personal consumer reports

I am calling for XXXX, XXXX, Experian, and all other major credit reporting agencies and companies to expedite a full expungement of my criminal records, rental history, and background check information from their database. For I am the living person not the XXXX XXXX that was created in all caps [ XXXX XXXX XXXX ]. I am XXXX XXXX XXXX better known as XXXX XXXX XXXX. Enclosed are very important documents outlining the penalties if my information is not erased from all accounts immediately. 
XXXX : ( XXXX ) XXXX Experian : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX ALL AGENCIES HAVE ONE WEEK TO CLEAR MY BACKGROUND.THIS IS MY LAST AND FINAL NOTICE
Product: Mortgage

I am working with a client that opened a line of credit with XXXX XXXX in XXXX. The servicing was sold to GreenTree in XXXX. I have been able to track down the servicing transfer to GreenTree but have not been able to find anyone to help release this old mortgage. After XXXX, if the loan was sold to another lender/servicer I can not find who last owned it.
Product: Debt collection

I owe a XXXX  debt from 3 years back that went to collections. I received a phone call from the collection agency where is I asked what would be the lowest amount they would settle for. The first representative I spoke to said she did not know and when I offered an amount she told me that was too low. I again asked her what was the amount they would take to which she again said she didnt know. Which I thought was funny. How you didnt know the lowest amount that I could pay but you knew what to not accept. She then told me I needed to pay the full amount which was the original debt plus the interest their company was charging me ( I didnt know you could charge interest on medical debt ) I hung up and called later to speak to a supervisor who told me that they were just partners with the original debt owners and that they did not own the debt. Told me the original people wanted the full amount plus the amount of interest that occurred from the debt collectors end. I called the original medical office who then told me that they do not own the debt anymore the debt collects do and that I would have to work out an amount with them ( which showed me the debt collectors lied to me ) they refuse to negotiate a 3 year old debt saying I had to pay the full amount, plus the interest. Which again Why are you charging interest on a medical bill and I do not recall interest being mentioned in the contact I signed with the medical center to be honest I dont even know why the bill was high I only went there once and they didnt do anything to me but put me on vibrating bed. So Due to them lying to me about owning the debt and not trying to negotiate with me I write this complaint. For kings credit services in XXXX ca. the original amount was XXXX they want me to pay XXXX with the interest included.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, my consumer rights have been violated. 

A reporting agency needs written instructions from me, the consumer, to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition, you have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) XXXX XXXXXXXX : Account number : XXXX, This account violates 15 U.S.Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX  : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer .a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) XXXX : Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( XXXX ) XXXX XXXX XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( XXXX XXXX XXXX XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

XXXX XXXX Account number : XXXX, This account is in violation of 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer. a consumer has the right to privacy pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. 

I have not given permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out multiple times regarding a charge off on my account that is coming back verified as accurate when it is in depth inaccurately reporting on my credit report. How is it Ive reached out multiple times and yet their are still inaccuracies remaining on my report REMOVE THIS ACCOUNT IMMEDIATELY Ive sent over multiple letters asking to remove this account and also verify the debt and Ive yet to receive in Mail a letter showing proof where I was emailed any correspondence from XXXX  regarding late payments or my account going into default this account is showing as a charge off on my report XXXX XXXX  is reporting a charge off on my consumer report I havent received any of the 1099c forms as requested Ive reached out to advised them to remove this account they updated it instead of removing this account as a whole it was reporting incorrect information like late payment incorrect date of activity incorrect balance and incorrect payment dates under I B WOULD LIKE THIS ACCOUNT REMOVED COMPLETELY also 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate i would like you to provide me by mail how you validated this information to be correct a the IRS defines a charge off as gross or ordinary income. income does not get reported on a consumer report I have sent over a hand written response by mail requesting that this account be DELETED FROM MY REPORT for reporting inaccurate information I demand this account be deleted as soon as possible
Product: Credit card or prepaid card

I placed three orders with XXXX. None of the orders were received. I contacted XXXX to have refunds processed on XX/XX/2020. I reached out to Citibank to find out why they have not processed the refunds and put the money back into my account. I emailed and left voice messages for XXXX XXXX in the executive office to get back in touch with me two days ago. I have reached out through chat and phone since then to no avail.
Product: Credit card

On XX/XX/XXXX, I contacted USAA to close my credit card account with a credit limit of XXXX revolving limit. Upon pulling my credit report on XX/XX/XXXX I was shocked to find the account still active. When contacting the organization, there is no answer to why it is still open. Nine months of thinking my account is closed, and there is XXXX now sitting out there as revolving credit. 

I feel this misstep, failure to close, or failure to listen to the customer not only benefited the company ; but placed a negative impact on my credit worthiness. According to my USAA website, thru XXXX, one of the four factors lowering my credit score was, " Your largest credit limit on open bankcard or revolving accounts is too low - XXXX accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. The largest credit limit among all the open bankcard or revolving accounts in your credit file is low. Having higher limits gives you access to credit without seeking new loans or becoming overextended - which are triggers for higher risk. '' This reflects the card I thought was closed. Currently my credit report states {$45000.00} of credit, approximately 45.2 % of that is USAA 's card. 

This lack of accountability and systems that provide for customer protection and service is incredible. As a 26 year member of USAA, these actions only demonstrate their lack of compassion for loyalty. I request a written response to this, specifically laying out the failures within USAA. While I do not think I am the only one this failure happened to, I would be interested in how many accounts were delayed or failed to be closed that benefited USAA? This borders on fraudulent accounts utilized for increasing profits for the organization at the expense of the customer, in my opinion. 

Also, I filed a written complaint in XX/XX/XXXX against previous banking processes. I would like to know if this 'failure ' was repercussion for speaking out? Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX, ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Educational ; Original Creditor - XXXX XXXX  ; Amount - {$1000.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$1000.00} ; Individual Account XXXX Account # - XXXX ; Address : XXXX XXXX XXXX XXXX XXXX SC XXXX : ( XXXX ) XXXX They notified me a few ago of a balance owed to XXXX University XXXX back in XX/XX/XXXX. This is reported on XXXX, both XXXX and XXXX have been removed from my credit report due to fraudulent activities from this University. I filed the dispute with XXXX and stated to me that this debt has been verified and is not being removed. I am reporting this cause this has already been validated years ago, I dropped from the course before the class started. There I owed no money, and I was on financial aid. Both XXXX and XXXX removed this fraud off my credit report over 2 years ago. I need assistance with XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to co duct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has rece tly 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.
Product: Credit reporting or other personal consumer reports

Nelnet is continuing to show that they hold all of my accounts with over {$60000.00} worth of loans, however, they were paid off by consolidation with XXXX in XXXX. I noticed that the loans reported by Nelnet were duplicates and submitted a dispute through XXXX XX/XX/XXXX to have the accounts showing closed, however, Nelnet reported there being no errors and the accounts continue to show open on my credit reports. 

My loans have since been forgiven through PSLF and XXXX has removed them from my credit report, but Nelnet accounts still show. I submitted a 2nd dispute through XXXX to Nelnet XX/XX/XXXX, and Nelnet has yet again refused to update the status of my accounts. 

I called Nelnet today, XX/XX/XXXX, and was told that the accounts will just " take some time '' to remove from my credit. There was no specific date or timeframe provided and no explanation. It makes no sense that Nelnet would take 1-2 years to remove information from my account, yet XXXX was able to get everything removed within a few weeks of PSLF being forgiven.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXT XXXX  XXXX : XXXX has violated my rights. 
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 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 card or prepaid card

On XX/XX/2018 I went to the XXXX XXXX  and purchased a PayPal prepaid debit card and loaded XXXX  dollars on there. After getting the card I called and tried to activate it. I was transferred to customer service cause they said something was restricted. Once on the phone with customer service she said they she was unable to activate the card. I didn't understand why she couldn't activate a prepaid card cause it's money I put on there. Is this a possible scam? She went on to tell me that there's nothing at all they could do and would send me a check in the mail for the amount I put on the card. She never specified about the restriction or anything. I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a valid FTC report to XXXX from FTC.gov via certified mail stating that I have a account thats not related to me on my credit profile, and is the result of identity theft. This account is from a company called XXXX XXXX XXXX, and is listed as an auto loan with a balance of {$9200.00}. This account was closed XX/XX/XXXX, I never opened this account. This account has tied two addresses to my credit report, that are not related to me as well. ( Address 1 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. ), ( Address 2 ) : XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX. 

My FTC report Delivered on XX/XX/XXXX and an agent stated that my FTC report from Ftc.gov was not valid, meaning the disputed information would not be blocked. He stated for me to hang up and call back to speak to speak to another agent, then disconnected the call. I called to speak to another agent who then stated that my FTC report is valid but that it will take another 30 days to finish the investigation, even though I was told by an earlier agent that all I needed to do was submit a VALID FTC report since theyve already received my dispute along with proof of my identity. I was then advised by the agent to submit a CFPB complaint.
Product: Credit card

Comenity froze both my NFL Visa and Amex Bread Cashback cards without warning on or around XX/XX/XXXX. I called in and was routed to an " Account Protection '' team, that told me I had to send in personal and confidential documents for their review in order to get my cards unlocked. I did that on or around XX/XX/XXXX. It's XX/XX/XXXX, and despite my multiple calls back, they still have not reviewed my documents or unfrozen my cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint Experian Report # XXXX for XX/XX/2018 Dear Sirs, Greeting. 

We sent a letter with Disputed Inaccurate Information listed on our Credit Report to Experian, XXXX XXXX XXXX, XXXX, TX XXXX to the attention of : Dispute Department Manager, on XX/XX/2018. 

We provided detailed descriptions of the disputed items and attached a Copy of Government Issued ID and a copy of Social Security number as a verification of identity, and allowed 30 days for them to investigate and correct the erroneous information appeared on our report. 

Experian responded on XX/XX/2018 ; with a fraudulent request ; for us to ( AGAIN ) provide Copy of Government Issued ID and a copy of Social Security number as a verification of identity!!!! 

We believe that Experian and its Managers are acting in bad faith and in a violation of Fair Credit Reporting Act, by STALLING the investigation process ; hence the gap of time listed above. 

We believe by stalling and demanding verifications of identity MULTIPLE times, they will brush the matter away and avoid the costs associated with the investigation process, in their fraudulent attempt to escape their fiduciary responsibilities and in total disregard to the laws and regulations ; with no intention of correcting nor verifying our identity, evidenced by the attachments that sent to them that was referenced in our dispute letter.
Product: Credit card or prepaid card

My name is XXXX XXXX and i applied for an American Express card and was declined with no reason given. This was on XX/XX/2019. I decided to call the XXXX XXXX XXXX provided. 
I inquired from the customer service personnel while i was declined, he informed me my credit score was not a factor in their decision but was based on my past. That i had an American Express card that was charged off over ten years ago. I said that was my past that i paid for with my credit messed up for about seven years because they reported me to the credit bureau. I am a different person now with a credit score of XXXX. I know of people who had their American Express Card charged off in the past and were given or have American Express card. I feel this is discrimination against me. You can't punish some one twice for the same offence. I am a lot wiser and very responsible with my credit history. I will not have a credit score of XXXX  without being responsible managing my finances. I will appreciate for you to investigate this injustice and rectify it. Am sure am not the only one discriminated against.

Thank you in advance for your assistance. 
Sincerely, XXXX XXXX