23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I received an email about a past due balance. The email indicated to call a number and they would assist you with your loan. I was placed on hold for over 25 minutes and got a text from someone else at a different location of the business. I contacted XXXX who sent the text and was notified that I needed to pay in full and they would send an update to the bureaus. I asked him to clarify which kind of update because the email stated they would remove delinquencies but XXXX kept talking in circles. He couldnt provide clear information. He also attempted to lie and tell me that they cant request our accounts be updated a certain way with the bureaus because they dont control whats reported. The business does report directly to the bureaus and tells them what to post and I did not appreciate him lying. I felt uncomfortable submitting payment to him, as he clearly is not well versed to be handling my account. I emailed the business and got no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter into both XXXX and Experian on XX/XX/20. I disputed several inaccuracies and asked for the companies to update. Both XXXX and Experian have not responded to my letter and its now XX/XX/20.
Product: Credit card

On XX/XX/year>. I found that I can not use my credit card. So I call XXXX client service. The representative told me there was a note about my credit card on the XXXX system : " On XX/XX/year>, another representative from XXXX called me on that day, discussed with me about my credit card. And at the end I agreed to close my credit card ''. After hearing this shocking information, I immediately told the representative that I did not speak with XXXX on XX/XX/year>, whoever the XXXX representative spoke with, that person was not me. My last transaction on credit card was on XX/XX/year>. So I can definitely remember if I talk to XXXX client service or not. Even after I told XXXX client service center that I did not talk to XXXX on XX/XX/year>, that representative still told me there was nothing he can do about it. I asked him I just told you that someone pretends to be me to talk to XXXX client service and close my credit card that I myself do not agree to close. But you still can not do anything? He told me he can not do anything. I totally can not accept this. XXXX recorded on its system that I spoke with XXXX representative on XX/XX/year>, but I can confirm I did not talk with XXXX on that day. XXXX did not take care of my account 's security as my account information was discussed with someone else other than me. And that unknown person closed my credit card on my behalf. Even if I told XXXX someone pretend to be me, XXXX still ignore my concerns and did not raise its attention. It's totally unfair for me that XXXX spoke with someone else other than me about my credit card and used that unknown person 's consent to close my credit card. I enabled voice authentication for account verification, it will be very easy to find out that I did not speak with XXXX on XX/XX/year>, I do not want to and disagree to close my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete this item as soon as possible. 
Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am victim of identity theft! Please remove this account as soon as possible! 

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2021 Type of Account : Collection Balance : {$170.00} Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXXsnt removing a fraudulent account off my credit report and other two agencies XXXX and XXXX already blocked this account on my credit report and send the notification to TransUnion few months ago and I send in a valid FTC report to TransUnion and the refuse to block this account which is XXXX XXXX XXXX XXXX XXXX also know as XXXX bank account number XXXX This is identity theft
Product: Student loan

I applied for a XXXX XXXX XXXX on XX/XX/year>. However, Mohela issued a blanket denial without providing a specific reason. When I attempted to contact Mohela using the number provided in the letter, my calls repeatedly went to voicemail, and I have not received a response. I have included Mohela 's denial letter and my appeal with additional information.
Product: Mortgage

I was in searching for a new home when I reached out to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. I provided my approval letter from a lender that I worked with which was not satisfactory to XXXX to which she said she would accept my offer under the contingency that I would acquire a preapproval from a mortgage company that they worked with ( XXXX XXXX at Homebridge XXXX # XXXX ). I was told I am approved verbally, never received a pre-approval letter. Days later my agent reached out stating that XXXX had declined to accept my offer because of information disclosed to the mortgage broker regarding my financial information. This text indicated my location, my ownership in another home, and my plans to lease this home out. These were only solely disclosed to XXXX 's team at Homebridge. I never authorized this information be disclosed to XXXX as this is sensitive information. A clear violation of lender laws.
Product: Credit card

THE BANK OF NEW YORK MELLON has failed to perform their duties as indenture trustee for XXXX XXXX XXXX. By doing so all of my accounts have been unlawfully closed. I have sent registered securities along with letter of instruction to the trustee which have not been processed and correspondence has not been given to inform me as the rightful bearer of the status. All 8 of my lines were closed unlawfully due to none of my book entries on the accounting side not being properly credited to any of my accounts. This is unlawful pursuant to UCC 3-303. VALUE AND CONSIDERATION was never received on my end. I gave XXXX XXXX XXXX securities that were turned into receivables for their financial gain, so what benefit did I receive? XXXX XXXX continues to profit from those securities but have closed my lines which hinder my ability as a consumer to maintain all of my household purposes. If they claim that I never paid my account, in an attempt to operate in good faith I sent instruments for full satisfaction of every account via registered mail which was received by their Trustee BANK OF NEW YORK MELLON on XX/XX/2024. The registered securities along with a notice for securities fraud was made to the attention of XXXX XXXX XXXX, Vice President of BANK OF NEW YORK MELLON. The registered securities were to be accepted as payment and pursuant to UCC 3-603 and 3-604 refusal or destruction of these instruments will result in the automatic discharge of all debts due to noncompliance. USPS tracking number for the registered securities recieved on XX/XX/2024 is XXXX. I have also emailed the legal department for BANK OF NEW YORK MELLON per the instructions given by their representative after she read a false and misleading disclaimer that states that they are not responsible for my securities as a private investor. This disclaimer which is false and misleading was given on XX/XX/2024. The email correspondence was sent at XXXX XXXX XXXX XXXX XXXXXXXX. No response was ever given. I also sent the same email prior to this date on XX/XX/2024 to XXXX XXXX at her email address listed on the SEC filing at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 EXPERIAN XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

Chase rejected my claim against XXXX on the basis of the service being available by vendor at the time of booking. This was obviously handled unprofessionally, and at a very low level, because it is completely XXXX to the fact that we had hurricane Nicole on XX/XX/2022. All flights out of XXXX were canceled and I could not get to the XXXX destination to pick up my rental car. A hurricane is considered to be an act of XXXX, and constitutes a force majeure event. If the rental car company was affected by a hurricane, they would have simply not provided a car, based on a force majeure. Why should I be handled differently as a consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
XXXX accordance with the Fair Credit Reporting act XXXX 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
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. 

Account name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

US DEPARTMENT OF EDUCATION account numbers XXXX & XXXX Consumer law states my transactions and experiences are excluded Non Public Personal Information that's confidential consumer data. Also the Right to refuse to pay Collections.
Product: Credit card or prepaid card

On XX/XX/2023, I applied for credit card at SAMS CLUB issued by SYNCHRONY BANK to pay for my total purchase and future purchases. I was instantly denied and sent an adverse action notice. The adverse action letter states that the decision was based in part on a credit scoring system that was used to evaluate my request. It stated that the most significant reasons where I did not score well are listed below : Revolving account balances are too high in proportion to credit limits, too many recent inquiries, not enough total credit line, and recent over limit on a bankcard account. It states that some of the information used to make the decision was obtained from the consumer reporting agencies : XXXX and XXXX. As stated in the Adverse Action Letter and Congressional Findings ( 15 USC 1691 ( a ) ( 3 ) ), The Federal Equal Credit Oppurtunity Act makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis, because the applicant in good faith exercised any right under the Consumer Credit Protection Act. I exercised my right by applying for an extension of credit with SAMS CLUB and provided all of the information that was asked for and I was denied. I have been denied an extension of my credit after applying for a credit product at Sam 's Club issued by SYNCHRONY BANK. Which means that, at that point after I applied, I should not have been denied or discriminated against, because that is unlawful. SYNCHRONY BANK has violated my right and discriminated against me by willingly, knowingly, and unlawfully denying me an extension of my credit. The factors that have been listed above about the decision of my credit has no relevancy as to why I was denied an extension of credit and discriminated against for just applying for the extension of credit. The denial of the extension of credit has been detrimental to my credit file. It has been reported on my XXXX and XXXX credit files and it is affecting me getting credit extended with other creditors. I have been denied several times due to having this inquiry listed in my credit report. It has been no benefit to me but more of a deterrent to applying for credit.
Product: Checking or savings account

I transferred money into my account via XXXX and for some reason it did not happen same-day. then when I contacted the bank they advise me that it could take upto 3 business days to complete despite that it has not in the past it has happened same-day. but now I have bills coming into my account now overdrawn has refused to state Bank Americas policy or anything that say they will allow the overdraft and not return all the current checks. They stated it is up to Bank of America 's system to decided.
Product: Debt collection

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing 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 ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, CONVERGENT OUTSOURCING ( Original Creditor : XXXX  ) XXXX Date Opened : XX/XX/2022 Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Personal Information and Request for Immediate Investigation To Whom It May Concern, I am writing to dispute the inaccurate and incomplete reporting of my personal information in your database. The following issues are unverified, inconsistent, and in violation of FCRA regulations. I demand that the incorrect or unproven items be immediately removed from my credit report and that you ensure full compliance with Metro 2 data field standards. 

Personal Identifier Discrepancies : 1. Other Names : I do not have any other names or aliases. If any are being reported, I request their immediate deletion.

2. Addresses : I do not have any other current or previous addresses. Please remove any such entries from my report.

3. Social Security Number ( SSN ) : I have one SSN, and only the last four digits should be retained. Any other SSNs are inaccurate and should be removed immediately.

4. Date of Birth : I do not have any other date of birth information. Please delete any discrepancies.

5. Telephone Numbers : No telephone numbers other than those provided should be retained. Please remove any additional numbers.

6. Employers/Spouses : I do not have any spouses, roommates, or co-applicants to be reported. Please ensure no such information is included. 

Disputed Accounts : XXXX. XXXX XXXX  ( XXXX ) ** : The following discrepancies are reported and need to be corrected immediately : Creditor Remarks : XXXX reports Account has been closed due to inactivity, while XXXX and Equifax have conflicting entries. These entries are inconsistent and should be corrected to comply with FCRA and Metro 2 standards. 
Account Cycle Identifier : Missing or incorrectly reported across all bureaus. 
Account High Balance/Original Balance : Discrepancies between XXXX, XXXX, and Equifax. XXXX and XXXX report {$340.00}, while Equifax reports {$200.00}. These discrepancies must be addressed. 
Creditor Type : Variations in how this is reported ( e.g., Miscellaneous Banks for XXXX, XXXXXXXX XXXX XXXX XXXXXXXX for Equifax ) violate compliance standards. 
Account Status : The account is marked as paid, but conflicting reporting needs to be rectified. 

Request for Immediate Action : Under FCRA and Metro 2 reporting standards, I request the following : 1. Immediate removal of any unverified or inconsistent personal identifiers from my report. 
2. Investigation of the discrepancies in the account reporting for XXXX XXXX, and their immediate correction or removal from my credit file. 
3. Proof of compliance with Metro 2 and other relevant reporting standards for all reported data. 

If these actions are not taken promptly, I will seek legal remedies for non-compliance under consumer protection laws. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

Back around XX/XX/2022 I made two cash deposits at a convenience store loading a total of {$900.00} into my chime account. Shortly after I made the deposit I discovered my account had been frozen and when I contacted Chime I was told my account was closed due to suspicious activity. How does one deposit cash into an account and is told the deposit is suspicious. They requested I verify my identity which Ive done several times and have had no response or no access to my funds. I would seriously like my money back. I even provided them with photocopies of my receipts.
Product: Credit card or prepaid card

I contacted Bank of America when I saw a charge on my account that I did not make on XX/XX/XXXX. I was advised to close my account and they would overnight me a card for the new account due to the fraudulent charge. When I did not receive the card within 2 days, I called back. That representative told me only that my card was not sent out but that she would get it sent out to me, again overnighted. I was not given any information about issues sending me a new card by either representative I spoke to previously. 

When I got home today on XX/XX/XXXX, I checked my mail, only to find a letter from Bank of America that my " credit request '' was denied. I called their " Customer Service '' to inquire why I still had not been sent a replacement card. only to be told that they needed to access my credit, in order to send me a new card. WHAT???? I did not ask for a credit limit change, and I was the victim of credit card fraud, how is this legal? And in fact, looking online, they had already changed my account number and transferred all previous charges to my " new account '', but they are denying me a card unless I give them access to my credit reports, which were frozen in XX/XX/XXXX due to Identity Theft, reported to the FTC. Why in the world would I open my credit reports to access when I have just been the victim of credit card fraud????? 

I have been majorly inconvenienced by this, as I have multiple accounts tied to this credit card for automatic payments, at least one of which has defaulted due to this issue. 

Can you help me please? I think requiring your credit be accessed in the case of credit card fraud can't be right. They changed my account, I can see it online, but they will not issue me the replacement card unless they can access my credit?????? They obviously processed the change already. I am the victim, not the criminal. 

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

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT  # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT  # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : XXXX