23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Applied for FHA mortgage in XXXX, 2020. Submitted all paperwork for complete application. Lender 's appraiser did a poor job and sent an appraisal with math errors in XXXX, 2020. Lender had all of our paperwork, including credit report, this entire time ( over 90 days ). When we pointed out the appraiser 's  errors and asked for a correction, lender denied our mortgage based on credit reports which they had since XXXX. It was a retaliatory denial.
Product: Checking or savings account

Bank of America XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear sir, Upon receiving a letter from your Bank of America XXXX XXXX XXXX XXXX, I have called its customer service number XXXX regarding the case number XXXX on my account ending in XXXX. I have not reached to the customer service representative at all. Previously, I have checked my online account, I could not find out the case number XXXX. Concerning the past problem with the bank, there is only one claim which I made in XXXX. That was the regarding the charge back by your bank service representative amounted {$31.00}, which I deposited after XXXX XXXX fair in XXXX XXXX, XXXX. The check was signed by the resident in XXXX, XXXX. The telephone number written on the check was XXXX. I tried to contact with her by the phone message on XXXX ; however, there was no answer from her. Therefore, the meeting to receive the cash amounted {$31.00}. Since I believed the letter wanted me to convince, I have chosen the service of the dispute. Surprisingly, the voice record told me there was some dispute which had resulted on XX/XX/XXXX with the dispute ending number XXXX. I have not recognized this dispute number at all. I do not have any record from your bank ; therefore, I feel the scam in this case. I request the investigation to explain me what the dispute is ending XXXX which resulted on XX/XX/XXXX or XXXX along with the issue of the above mentioned charged back or the check account which did not have the satisfactory fund to pay only {$31.00} in cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

On XX/XX/2018 XXXX Enhanced Recovery Co L , Reported a balance of {$910.00} for a fraudulent account that was opened with my information. I have exhausted all resources with getting the creditor to remove this fraudulent account as it is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial contact was XX/XX/XXXX till this very day I am still awaiting a response from Equifax here is my final complaint/dispute. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. 
Equifax XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2023 Dear Equifax, Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. These accounts listed below are problematic and need to be reinvestigated. 
XXXX. XXXX XXXX & XXXX ( XXXX ) account # unknown not my account XXXX. XXXX XXXX, XXXX XXXX XXXX  inaccurate reporting account closed never late. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, inaccurate reporting account closed never late. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate reporting XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, inaccurate reporting paid ion full closed account to be removed from the report. 
These accounts should not be furnished on my consumer report they are in VIOLATION!! Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) in general Subjec6t to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that the account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC Report # XXXX Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request a report from esperian credit agency and repeatably disputed claims they said they did an investigation and the did not. Had the found the mistakes my credit and life would not be ruined thanks to a XXXX  XXXX XXXX bill pay mistake. I had perfect payment history and have been with the same bank for 20 years and all my bills have been on auto bill pay for years. The bank stoped my bill pay for month and then restarted it but not before all my accounts went to collections. 

They said they did an investigation they did not fix the errors. A year of trying to get XXXX  XXXX XXXX to send a retraction letter. They did proving esperian lied. I submitted it again they said said the did an investigation they did not fix the error. My credit dropped to XXXX. The bank won't even issue a new card or open a line of credit I HAVE PERFECT PAYMENT HISTORY NEVER HAD AN OVERDRAFT. I COULD WALK IN ANYWHERE AND GET WHATEVER I WANTED. 

NO I HAVE LOST MY HOME MY CARS MY LIFE. 


THE REPORT SAID IF I DID NOT AGREE WITH THEIR FINDING I HAD THE RIGHT TO PERSURE LEGAL ACCTION AGAINTV THEM. 

I DO NOT AGREE AND WANT TO FILE SUIT FOR ALL THE THING 'S AND MONEY AND HOMES FRIENDS FAMILY I LOST. 

IVE BEEN HUMILIATED
Product: Money transfer, virtual currency, or money service

In XXXX  XXXX XXXX charged me after cancellation of a free trial. XXXX XXXX ( unregistered shell ) was the alleged app billing. I removed access to my debit card after being bilked and double cancelled in the app itself. These fraudulent charges show up on sundays (? ) Then they just trap you and refuse to refund the money to your bank account. XXXX 2= XXXX
Product: Credit card

I purchased a vacation package through a company called " XXXX. '' Within a few days they were not responding so i made ever effort to cancel. finally i filed a dispute with Citi Card a few days later. I can provide a number of documents that show this company just steals money, provides no services. They promised to buy my old timeshare from a company called " XXXX '' that did not happen. So Citi Card took the charge off, put it back on, took it off and once again put it back on. I did file a dispute less than a week after the purchase and provided them with all of the info and they wo n't give me any details as to why they keep putting it back on.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. Hyundai Capital America is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Hyundai Capital America is the financial institution and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and Hyundai Capital America, whether it be verbal, non-verbal, written, implied or otherwise is revoked. Hyundai Capital America and XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I also sent an opt out letter to Hyundai Capital America, in which they have not responded to. The law states that the company has 21 days to respond and they have not, as of yet.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/year>, XXXX XX/XX/year>, and XXXX XX/XX/year>. Also, this charge-off account shows a {$14000.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Credit reporting or other personal consumer reports

I was denied opening an account with 2 Banks after settling with XXXX. XXXX. XXXX agreed to remove the collection on my bank history once the balance was paid. I spoke to XXXX XXXX at Zions bank the parent XXXX XXXX XXXX on several occasions. She was aware of my denial and ageed to remove the collection once that collection was paid. I was very clear about removing the collection because XXXX XXXX XXXX XXXX told me my application was denied due to the collectiom. I recently went to XXXX XXXX  in XXXX XXXX and was denied being added to my wifes account. This is not the agreement we made and there is no reason for not removing the collection. Especially disappointing since I'm an account holder with XXXX XXXX and XXXX another Zion bank. Pls demand this collection be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

OPORTUN/PROGRESO FINANCIAL IS IN VIOLATION OF ; 15 U.S.C 1681b. ( a ) ( 2 ) 15 U.S.C 1681. ( a ) ( 4 ) specifically in regards to ; -consumer privacy -no written instructions from consumer to furnish information
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched USAA Confirmation Settlement Letter dated XX/XX/XXXX Re : USAA credit card ending XXXX SETTLED XX/XX/XXXX, XXXX see attactched USAA XX/XX/XXXX MC XXXX {$100.00} DUE. My private secure data from the XXXX OPENED THIS ACCOUNT XX/XX/XXXX. XXXX  & XXXX  RELY ON INACCURATE CREDIT REPORTING FROM THE CREDITOR USAA. *** I DID NOT OPEN ACCOUNT. **** CRAs REFUSE TO VERIFY THE DRS LICENSE & SIGNATURE. USED TO OPEN ACCOUNT.
Product: Checking or savings account

On Wednesday, XX/XX/year>, I went to the Santander Bank in XXXXXXXX XXXX  at XXXX to open an account. I was greeted by XXXX XXXX, XXXX XXXX. He advised me that he was working with two individuals at his desk until closing. Therefore, he suggested that I go over to the counter and schedule an appointment. As soon as I arrived at the counter the guy asked for my driver 's license. I said, you are asking me for my ID and you don't even know why I am here. Then, he asked if I have an account at Santander Bank. I told him that I was there to open an account but I was told I need to make an appointment. He set an appointment for Thursday, XX/XX/XXXX, at XXXXXXXX XXXX On Thursday morning I received a call from XXXX XXXX confirming my appointment and advising me that I will probably be meeting with a different staff member. When I arrived at the bank I was greeted by XXXX XXXX, an employee that travels from bank to bank to assist in staffing. She made a copy of my driver 's license and advised me that I should be meeting with the branch manager. She was concerned about his lack of directives, as she wasn't quite sure about his lack of attention regarding the matter. Consequently, I went over to XXXX XXXX. He was working a the teller counter. As, XXXX XXXX approached the XXXX to remind him that I was patiently waiting for him to open an account. In that moment, I recognized that he was the same guy that took my information to schedule my appointment the day before. Out of concern, I picked up the guy 's business card and I was definitely surprised as I read, XXXX XXXX, Assistant Vice President, XXXX XXXX XXXX. We set down at his desk. He inputed all the personal information for me and the other account holder into the system. Then, he advised me that their Santander bank branch has a glitch in their system that would not let him open the account. He stated that he would have to contact their XXXX person to fix the issue. I told him I was extremely concerned about their bank collecting customer 's information knowing that their bank is having issues. I let him know I was concerned about fraud and ask that he get back to me ASAP. I stopped in the branch again on Friday, XX/XX/XXXX, to ask if the issue had been resolved. XXXX XXXX, XXXX XXXX and staff all said the bank is still have issues. XXXX XXXX advised me they will still be working on the problem through the close of business on Saturday, XX/XX/XXXX. Today, is Monday, XX/XX/XXXX, I have not heard anything. I am XXXX and I have never had an experience such as this in all my life. I can not believe a bank like this even exist. They are totally unprofessional, they have poor customer service and a lack of communication. This has been such a horrible nightmare I felt I should take the time to share this horrific experience with others.
Product: Consumer Loan

I 've informed the loan company that with a loss of a job, I 've had some difficulties paying on my loan. I have made payments when possible and I continue to work towards paying off the loan. When the manager of the company calls to collect, that 's understandable. I do n't have an issue with him trying to collect. The problem I have is the manner in which he speaks. Knowing I have lost my job and just started a new one, this manager says that I am being a " coward '' and that " I 'm not a man '' for paying on the loan when it 's due. He has stated that he " does n't trust '' me as a person and he keeps calling my job after I have asked him several times to stop. I have an issue with this. For him to get personal with me like that, bully me, and harass me at work after I told him I will get in trouble for the phone calls, I 'm fed up with the way he acts and I want someone else to step in and handle this. To put me down and degrade me, knowing I just lost a job, and to call me a coward and telling me I 'm not a man is not only just plain rude, but it is affecting me on a personal level. I try hard to support my family and pay my bills. It 's not my fault that my old company was sold and me without a job. I 'm trying to do what 's right but to be put down and harassed is truly uncalled for. My complaint is that I 'm getting bullied, harassed, and put down by this manager, even after I have tried to make payments to him, and I want it to stop. I do n't have any desire to deal with this guy anymore and I know I should n't have to. Please help me get this taken care of.
Product: Mortgage

Hello I did not see a selection that specifically dealt with my complaint, This complaint is specifically about the business practice of navy federal credit union application criteria process. 

The process is vague and flawed, XX/XX/2023 I made an inquiry ( live chat ) as to what specifically, were they looking for in order to apply for a personal loan, I specifically asked " can new members apply for a personal loan? '' the answer was yes, I then asked, How long do I need to be a member to apply?, I was told specifically, ( see text log ) as soon as the account is created, based on these comments, I made a decision to apply on XX/XX/2023 On XX/XX/2023 I received a denial letter with one of the factors being, I did not have sufficient time with the credit union, It felt like a bait and switch, As a new member, I would have waited until the required length of time and then applied for the loan. Either the representative is untrained or the credit union is deliberately enticing people to create accounts to get more applications, either way, I was harmed, I could have applied elsewhere and received the loan, this credit took that option away, At this point, I do not desire to take legal action, but would ask that my application be appealed and reconsidered without the factor of " length of membership ''
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! 
Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the inquiries referenced below and demand verifiable proof bearing my signature/electronic signature. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate the inquiries in question or delete them. This constitutes a violation of my rights under the Fair Credit Reporting Act sec 604, as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrences or remove them immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus required to follow up with the creditor. The listed inquiries were not authorized for any permissible business purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The FCRA requires the Credit Bureaus to verify the validity of the items within 15 days. If the validity can not be verified, the Credit Bureaus are obligated by law to remove the items. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect agreed to send a letter to all credit reporting agencies to remove and they have not stood by that agreement. 
I have filed a complaint before on this company. 
I have a copy of the letter from Americollect agreeing to remove the debt. 
It has been over 30 days since I received the agreement to remove from the collection agency.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I DEMAND the below accounts be deleted from my consumer report. I AM NOT ASKING FOR THEM TO BE VERIFIED. 
Account : XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Best regards
Product: Payday loan, title loan, or personal loan

Onemain financial has take over 2000  dollars away from me they said XXXX is for the interest rate they never said I have to pay XXXX just for interest I have paid payments for over 2 yrs this is excessive and they lied I me I would not have taken a loan out just to pay you XXXX interest rate this wrong and I need help to get my money back can you help me