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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Vehicle loan or lease

In the month of XX/XX/XXXX, I contacted the Loan department to request for an extension on my XX/XX/XXXX car payment. I requested the extension due to financial hardship and unable to make payment. I was informed at the time of request that I would be granted the deferment of payment and that I must make two payments in order to have payment extension request approved. I was informed to contact in XX/XX/XXXX, to make sure request was approved. On XX/XX/XXXX, I received notice that my auto loan was reporting on my credit report as late payment due to not making my XXXX on time. During the call of request, I was never given any insight of the consequences for a deferment of payment or requesting. I reached out to complain to SECU in which they stated the information was reported correctly and they will make sure to have agents report that information to their account holders. I asked to speak with Manager over the loan department in which XXXX XXXX tried her best to get the Vice president of the bank to reconcile and remove the negative derogatory mark on my credit. He denied and wasn't interested in the fact I was a great client. I also reached out to the Vice president of SECU myself and was told it was nothing he could do about removing the late payment from my account. I think as a consumer of this bank, I should have been informed that if I was to request an extension that my credit score would be affected and allowed me to determine if I wanted to subject my credit to display derogatory remarks. I do believe I was denied due to racial discrimination as it was the fault of the agent who only provided the Pros of the extension and not the Cons of the request for extension. Instead of treating a committed consumer who never is late with payments, I should have been given notice of what affects this could do to my credit score. I have now been denied due to false information being reported from the SECU. I have asked for a one time courtesy to remove the late payment due to the error on the bank behalf as I should have been informed. My car payments are deducted by auto pay and the bank had to process a stop payment to not draft the payment from my account. If I was informed of the negative affect, I would have not asked SECU to stop payment from my automatic payment. I have been denied and unable to purchase or look at homes due to this false report on my credit report. I do feel, I may need to pursue some type of civil case against SECU as I feel I wasn't informed of the credit affect due to my race. The representative knew that my credit score would be affected she just felt the need to not provide that insight to me.
Product: Checking or savings account

I have opened the business bank account with Chase. They have a XXXX  function which allow my business to receive the credit card payments from my customers. I used it for one day ( XX/XX/year> ). Then, they deactivated my XXXX  the next day. 
The money I received from the card payments is supposed to deposit into my Chase business account the next business day. However, it did not happen. 
I contacted their customer service on XX/XX/year>. They did not have an answer for me. They advised me to file a dispute online. 
I came to local Chase branch on XX/XX/year> trying to solve the problem. The banker tried to get the answer from their merchant service, and they told us they will hold my money for XXXX without specific reasons. 
The total amount I received on XX/XX/year> is {$310.00}. The fee is {$8.00}. Therefore, the total amount I support to get from them is {$300.00}. 
I believe they are holding my money against my will for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

So, I received an email of the loan decision through XXXX XXXX  being denied due to mutiple reasons. 

I sent an email stating the which was the first red flag indicator for me. I wont apply for a loan because I know I will get denied so I dont see the point.

I called post lake lending. 
First got told the application was approved and I stopped the lady and said it was denied. Then asked to speak to a supervisor. The supervisor then try to assure me that the application was in fact withdrawn and would not be endorsed and then I explained. How are they going to send me a denial letter but still were going to endorse a check to a bank and I wouldnt even know where its going!

I asked what the routing and account number they had to send it because obviously its one that is under my name which is worrisome. Being I have no knowledge of this account and if it is my own personal banking account I have a right to know because that means I am going to have to call my bank and report fraud and such with them and they told me they couldnt give me this information that if I provide the banking information they can tell me if I am wrong or right! If its my application and my banking information how are they going to deny me from knowing what was used to fraudulently place an application in my name.

Then I told them i would be reporting this to FTC. So here I am
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, DPT ED/XXXX # XXXX, DPT EDXXXX # XXXX, DPT EDXXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  XXXX XXXX, DEPT OF ED/XXXX # XXXX XXXX DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  XXXX XXXX, DEPT OF ED/XXXX  # XXXX XXXX DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  XXXX XXXX, DEPT OF ED/XXXX # XXXX XXXX DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX XXXX XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX LOAN SERVICES # XXXX XXXX XXXX LOAN SERVICES # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX LOAN SERVICES XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX 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: Debt collection

Portfolio Recovery bought a debt from XXXX XXXX for a credit card I could n't pay after Iost my job in XXXX. They bought the debt in XXXX and they contacted me in XXXX and I agreed to pay the full balance of {$480.00}. I told them that I would pay this balance because I did n't want it to be put on my credit report as a collection.A couple months afterwards, I checked my credit report and they put it on my credit report anyway. I have contacted them several times to remove this collection but they will not. I can not understand why they would put it on my credit report in the first place. They were paid in full.
Product: Credit reporting

I have a security freez and i am a fraud victim and I have XXXX Showing on my transunion report and XXXX and XXXX and I dont do any of these companys and i do not own any one any money and they are contacting me and threating me to go to court and sue me and garnshise my wages from me. Please help me my email is XXXXXXXXXXXX how do i report these that are threathen me and cussing at me and telling me they are going to hurt me.
Product: Debt collection

Several weeks ago a debt collector name Delta Management Associates Inc. phone XXXX located XXXX XXXX XXXX XXXX XXXX XXXX, MA. 
or XXXX. XXXX XXXX XXXX, Ma XXXX called me regarding a debt for a XXXX XXXX. I informed them that is not me and to not call again. week of XX/XX/XXXX the company called me again on the same number. On XX/XX/XXXX I received another call on the same XXXX number. This time I spoke with the manager who said his name was XXXX XXXX and he said they would remove me from their call list. However 10 minutes later they called again on a cell phone of mine. I then specifically asked them to remove all phone numbers that have my name listed on it from the area code in which I live. This they refused to do. Although they are referencing my name with the number they wanted me to give them my phone numbers. I told them you are only calling me because my name of XXXX XXXX is associated with this number and because you have associated my name with XXXX XXXX you are calling me. So easily you can find the numbers associated with my name and remove them from your list. They still insisted they won't do this. I believe this is abusive especially since the debt they are calling about is not even the person they are calling. They said they would remove the called numbers from the list yet would not send me a confirmation in email or writing and said only two numbers would be removed. Again I believe it is their job to know who they are calling and is not right to keep calling the same person again who doesn't belong to the debt.
Product: Student loan

I attended XXXX XXXX XXXX, XXXX. I completed the work however due to lack of help from teachers I do not feel like I have enough knowledge to use my degree for a better job. Of the jobs that I have found, I am not considered due to the fact the XXXX XXXX has a bad reputation and my degree is basically worthless. As far the lending services which was Genesis Lending Services, they made me pay while attending school. The private loan was not needed for me to attend school, as i found out later that the school had taken out more in federal loans than what was needed. The private loan company also knew that the school was doing this and went along beside them. This loan was not needed and I feel that I should not have to pay them anymore and should receive my money back. Seeing as I have 36,000 + in federal for a two year degree because of the school already. Since, all of this has become knowledge I have contacted Genesis Lending Services and they will not give me any information that I will be forgiven or the option to stop paying. Now, I only had XXXX forbearance left that I still have to pay {$60.00} for 6 months and then {$120.00} and then {$210.00} which is getting rough considering I still do not have a job in the XXXX and still working as a XXXX making small money.
Product: Credit reporting or other personal consumer reports

This morning, I found incorrect accounts listed on my credit report, and I have no clue why they're there. I regularly check my credit report, but this time I noticed unexpected discrepancies. I even refreshed my browser to check if it was a glitch, but the errors remained. Due to this, Im requesting a thorough review of the documents I submitted to ensure I wont have to worry about this again.
Product: Credit reporting or other personal consumer reports

I am submitting this formal statement regarding XXXX failure to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information on my credit report, XXXX has failed to conduct a reasonable investigation and has continued reporting erroneous data. 

XXXX continues to respond within 24 hours stating that the accounts are accurate without proper investigation and proof of accuracy. 

Disputed Account ( XXXX ) : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX recent findings from the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to improperly handle consumer disputes, failing to conduct thorough investigations and often maintaining inaccurate data despite clear evidence to the contrary. My experience aligns with these findings, as Experian has either dismissed my dispute without adequate verification or has not responded within the legally required timeframe. 

Under the FCRA ( 15 U.S.C. 1681i ), Experian is required to : 1. Conduct a reasonable investigation of disputed information. 


2. Correct or delete any inaccurate, incomplete, or unverifiable information. 


3. Respond within 30 days of receiving a dispute. 



XXXX failure to comply with these legal obligations has caused undue harm to my credit profile, potentially affecting my financial standing, loan eligibility, and overall creditworthiness. If XXXX does not take immediate corrective action, I will escalate this matter to the CFPB, Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for violations of the FCRA. 

I demand that XXXX immediately conduct a proper investigation, correct or remove the disputed information, and provide written confirmation of the resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Checking or savings account

Case Number : XXXX My name is XXXX XXXX, I am a Webster Bank customer and someone created a cash app account and used my Webster Bank card to send payments to different people totalling more than {$3000.00} thereby making me to be at lost. 

I have repeatedly told my bank that I was scammed and I need my money back, but my bank issued me credit and refused me to make use of it untill after investigation. 

After few days, I got a letter from my bank that they have taken the funds back. My bank has closed my account because of this. 

I need my money.
Product: Credit card or prepaid card

Regarding this creditor : Synchrony Bank/Discount Tire  XXXX   XXXX   XXXX   XXXX , FL  XXXX  Account  XXXX  On    XXXX   XXXX   XXXX      I received information that an account in my name, using my correct SSN and DOB, was fraudulently opened with this bank.   On   XXXX   XXXX   XXXX   I sent via certified mail (   XXXX  tracking   XXXX  ) a certified letter under the Fair Credit Reporting Ac t Section 609 ( e ) r equesting all records relating to the fraudulent transactions and account. Under that statute, they have 30 days to comply.   As of    XXXX   XXXX   XXXX      I have not received any correspondence regarding this request. I am determined to vigorously investigate who made this fraudulent request, and the bank 's negligence in this matter is endangering my efforts.   Synchrony Bank is apparently mis-informed that compliance with this statute is optional ; they should be politely disabused of this misimpression.
Product: Mortgage

My father took out a loan in XXXX thru one Reverse Mortgage , LLC. In order to be approved they sent a real estate inspector to examine the home, and he made his recommendations. He made us a list of structural repairs to be completed by a set date. I made the repairs myself with a request to or more time and they agreed, plus, it was specified that said repairs had to be done by a licensed contractor. We got it done on time and proper and the last inspection was done. A different inspector came ( also a man ) he does a quick walk through and I had left a ladder set up with the access way to the attic in plain sight. He said he didn't need to physically go up into the attic. As he is leaving I requested his assurance that we had succeeded in passing the listed repairs. He turned to me and said, " I'm not going to pass this house. '' And I responded, " why not if we completed the repairs on the list? '' And without missing a beat, he answered, " because I saw that you missed a patch of bad shingles, and I saw water damage to the roof ( plywood ). '' The whole point of the inspection was to grant the full amount of the loan or just half. My father said he tried getting an equity loan but that gave him some kind of trumped up reason on why he didn't qualify and then offered him, in total XXXX cash. After we did the repairs the first try ( that is my hands ) they released XXXX by check and after the last they sent the rest. We expected another XXXX XXXX and change but received only XXXX ... ... which I used by cashing it at XXXX XXXX XXXX and then crossing XXXX XXXX to buy groceries at XXXX  # XXXX. They railroaded my father and three days after I buried my father on XX/XX/XXXX I received three packets in the mail. Each with a error in the address and each identical. It opened like this, '' this is not a bill. This is a reminder, you have thirty days to pay original loan amount in full or your home will be foreclosed on, {$58000.00}, and then the pandemic hit us so fiercely that the CDC issued the no eviction memorandum and now it's no more and me and my XXXX youngest children are about to be put out on the street amid an even more deadly variant than the original co-vid 19 virus. Please, stop these reverse mortgages from being served because when the old are left with no one to fend for them I know they are mistreated. I am living proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.