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

On XX/XX/2022 XXXX XXXX used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX  was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX monetized by securitizing the the application. 

Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. 

Employees of XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. The financial institution and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Sage StreamXXXXXXXX XXXX XXXXXXXX gets paid to furnish information on the Original Creditor. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX which was done on XX/XX/2021 according to the XXXX app and XXXX XXXX  XXXX which was done on XX/XX/2021 according to the XXXX app 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 an 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 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 reporting 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

over the past 6 months I noticed 2 accounts reporting on my credit reports that are mistakenly reporting ... I contacted equifax over the phone on numerous occasions and every time I call them I get a operator who cant speak english and each time they refuse to let me speak to an american ... I was told I could go online and dispute them and each time I go online it says my information doesnt match their system
Product: Vehicle loan or lease

My lease terminated at the end of XXXX and then I purchased the vehicle. During the second week ofXX/XX/XXXX, usbank sent me a billing statement with an amount due of {$490.00}. I was expecting this bill as I knew usbank recently paid the property tax for this vehicle. I attempted to pay this bill via the usbank app and by accessing my account via the bank 's website. However, these efforts both failed because my account was no longer active. I then called usbank twice and spoke with four different reps. The fourth rep, which was from the collections department, stated that I had to mail in my payment and that there was no other way that I could pay. Although this is not a regulatory violation, it is annoying that I have to mail a paper check. I am shocked that a {$440.00} billion asset bank can not accept an electronic payment. For the past three years, I made lease payments via the usbank website or the bank 's app. Lastly, my account is not currently past due as the payment due date is XX/XX/XXXX ; however, it is poor taste for usbank to send me to " early stage collections '' where the rep read me the mini-Miranda disclosure and explained that she was attempting to collect a debt.
Product: Credit card

I tried to make a payment online using my Citi AAdvantage Platinum Select World Elite Mastercard credit card. The payment did not go through, so I tried again, utilizing multiple other methods ( XXXX, XXXX, all of them having the same card as a recognized payment method ) but the payment still did not go through. Eventually the credit card got locked. I called Citibank credit card services to unlock it, and they indicated that the only way to do so would be to wait for a letter in the mail (! ). I explained that I would be leaving in a few days, and I would be traveling overseas for an entire month, so I would not be able to receive the letter on time, and requested to either ( A ) receive the letter by express courier or ( B ) utilize a different identification method, such as me personally going to a Citibank branch, bringing my ID. Citibank credit card services did not accept any of those. As a result, I'll be traveling out of the country for a whole month without being able to use my credit card, and I won't be able to pay my bills.
Product: Mortgage

Applied in XX/XX/XXXX with existing mortgage company NewRez for rate/term, was told XX/XX/XXXX that it was clear to close. no calls no responses to inquiries until mend of XX/XX/XXXX. Final CD never sent for review. When CD was sent it was incorrect. Processing manager reached out for clear to close call and to set up closing. NO final CD sent, closing was no call no show. No one at lender responded to any emails or calls. Closing was supposed to be for first week in XX/XX/XXXX. Closing agent from title company calls on XX/XX/XXXX out of now where and says they will be there to close. No final CD has been given to me in advance, at least not one that resembled what was told to me, and no advance notice on closing. When speaking to lender on XX/XX/XXXX and title agent, based on their recommendation we rescheduled closing for XX/XX/XXXX so i can " skip '' a couple payments instead of paying an entire month of per diem interest ( or so it was sold to me this way ). XX/XX/XXXX roles around and no call no show again. When I get Operations and Sales Manager involved, come to find out I am now back in underwriting AGAIN because of a credit pull and supposed collection ( which was also on the original report ) again. Literally sat on the file for a week and waited until 10 minutes before closing to tell me this. The practices of this lender have resulted in numerous TRID violations, not to mention the appearance of multiple unfair, deceptive, and abusive practices. I would have to imagine this treatment is not reserved for only me, but others are experiencing it too. In addition to the above, no one could give me a correct LE or CD based on what I was told i advance and once they actually did they cancelled closing. It appears not only are they trying to waive the lender credits and rate promised to me, they are actively working to discourage this application for some reason.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$430.00}.
Product: Credit reporting

I sold my home on XXXX/XXXX/15 and the mortgage with XXXX was fully paid off and closed. Trans Union is reporting the account open with a {$160000.00} balance. This is preventing me from obtaining another mortgage and I have missed an opportunity to purchase a bargain waterfront property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX RE : Validation Required over 7 years old XXXX XXXX XXXX To Whom It May Concern, XXXX, XXXX, TRANSUNION Ive reviewed a copy of my credit report and found a number of negative accounts that are older than seven years. Here are the accounts that should be removed because over 7 years old : XXXX XXXX XXXX, XXXX ( 8 yrs, 8 mos ) XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX ( 13 yrs, 3 mos ) XXXX XXXX XXXX  XXXX. XXXX, XXXX ( 13 yrs, 11 mos ) I want you to know that I understand my financial obligations, and Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed and I have improved my money management. Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc., and its come to my attention that the accounts thats over 7 years old could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all accounts thats over 7 years old. 


Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/2020 i received a renewal notice of my CD without ever being notified it was up for renewal on XX/XX/2020. I always receive written notice and phone calls from my banks when my accounts are maturing or if there is no activity, but I received neither from Onewest bank. I went to the local branch in XXXX XXXX XXXX XXXX, XXXX XXXX to correct this unauthorized renewal, but the manager said nothing could be done and the CD would remain fixed as is. I reminded them other mistakes were made by their bank and consideration for this latest mistake should be taken, but the response was the CD would remain as is.
Product: Checking or savings account

I tried to log into my Chime account to move some money from savings into checking to purchase materials for school. I got a notification that my account had been closed and I should email XXXX 

I was sent an automated email telling me to call Chime 's support hotline. When I called, I had to wait and speak to 2 agents who told me they had no ability to fix things over the phone and I needed to email XXXX. 

I received no notifications that my account would be closed, nor have I been given a reason for why. I have no access to over {$5000.00} that was in the account and can not get a direct response from Chime. I am a college student living off of savings while I finish my studies. This means I have no money to pay rent, pay tuition, buy materials for my classes, buy food, or pay any other bills. I worked hard to save my money, and I can not survive without it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical. Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items in XX/XX/2022, XX/XX/2022, but the Bureaus did not remove them or properly validate. 
XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am no longer able to afford the monthly payments for this loan. I contacted them on XX/XX/XXXX to advise I could no longer afford the payments and inquired about a refinance for lower rates. I was told I did not qualify and there was nothing they could do. When I opened the loan back in XXXX  2022 I was told I could refinance within XXXX year of the loan. This is not the case and BHG has provided no financial support. I do not receive monthly loan statements and feel as though I was pressured into taking this loan to pay off credit card debt rather than support my business. I was not fully educated on how the repayments work with regards to interest and amoritization. The loan was structured around my business but I was told it was for debt consolidation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : ERC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient charged a " late payment '' to my credit account during the month of XXXX. I did not receive any prior indication that my loans would resume, considering my federal student loans are still on pause until XXXX of 2022. With Navient no longer servicing student loans, I was unable to find my account during the months of XXXX. It was only in late XX/XX/2022 when I was finally able to find my private student loans. The student loan pause was set to end on XX/XX/2022 ( which was later extended to XXXX ). There is no linear, nor reasonable logic as to why my credit was effected in such a swift manner. 

As of XX/XX/2022 I paid off {$10000.00} of my private loans- which was my entire balance. Navient sent an email within the same ( see attachment ) day stating, " Your loan will be closed within two Billing Periods from the final payment received date. ". 

The future of my financial well-being is at stake due to my current credit score being hijacked and delayed by Navient. With the Fed set to increase interest rates at an expected 6 more times this year, my odds of earning a reasonable interest rate on my home is all but lost unless Navient fixes a problem they started.
Product: Credit reporting, credit repair services, or other personal consumer reports

After making several calls to Transunion explaining that my identity has been stolen I have been instructed to send them the identity theft report to have this information permanently deleted from my credit but they keep saying they are not getting the identity theft report but I have sent several times without these items being deleted.
Product: Debt collection

All of the above happened actually. I am receiving frequent and repeated calls, the caller is using obscene and profane language, he is calling and harassing my family, and I have sent in a letter asking them to only contact me by USPS. I have never received anything in writing from the company, even though it has been requested and they are continuing to contact my family, friends, and people I do n't even know about my debt breaking every privacy act for me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). 
Account XXXX Account # : XXXX Balance Owed : {$230.00}
Product: Credit card or prepaid card

Asked for increase, which was refused for reasons not explained properly. Card payments were never late. card company refused to pull credit ( it is excellent ), and credit department rep. said mother XXXX of XXXX XXXX. 

CFPB needs to investigate Discover, i believe they have blaklists or tainted cardholder lists. my request get teated unfairly, while my wife 's do not. she gets points automatically, i do not. She gets increases automatically, I do not. 
These are tough times, but no one needs to tell me about Covid 19 at Discover. Just issue the increase.
Product: Debt collection

they call me two or three times a day. they already have a judgement that they cant collect on because i am on social security. i tried to resolve this debt yeas ago but they woudnt help then. i am ill nd these calls are very stressfu.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My Name Is XXXX XXXX, I am writing to delete the following 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

From XXXX XXXX XX/XX/year> I asked the credit bureau to investigate all matter and remove any inaccurate or unauthorized entries from my credit report within 30 days. I file a claim regarding the improper use of my credit and the resulting impact on my credit report. After reviewing my credit report, I found that there are payments listed that I was not aware of.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I was looking at new phones on XXXX XXXX  and when I'm at the check out section there was an option to pay in full or finance. 

I clicked on finance to see more information and was led to third party bank website by www.synchrony.com, on this website it asked me to enter the last 4 numbers of my social security and phone number, WHICH I DID NOT ENTERED AND LEFT! 

a few minutes later I got emails saying that there was a credit hard inquiry on my experian from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is an unauthorized credit check! no where did I allowed this, no I did not give out my social security number! 
I have tried to call the number above but it tells me to get support from their online website and I tried but it went no where, it's not easy to reach the right person! 

I request XXXX XXXX XXXX XXXX XXXX to fix this by contacting all the credit agencies that they pulled my information from and request that the bureau remove it from my report.