23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX I received a credit decision from Capital One stating that I was denied an approval for the platinum MasterCard.

16 CFR 433.1 ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.

16 CFR 433.1 ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.

I identify as a consumer and I was seeking goods and services for personal, family and household use. Title 15 USC 1602 ( l ) 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.

I provided capital one with the numbers off of my social security card.

Title 15 USC 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.

I the consumer have have open end credit plan in which Capital One denied me.

Title 15 USC 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
By Capital One telling me that I was denied something that I as a consumer by Federal law have access to was verbally abusive to me.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERALTRADECOMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of account that does not belong to me or was opened without my permission. Bankruptcy : XXXX XXXX # : XXXX 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: Credit reporting or other personal consumer reports

XXXX of XXXX, I submitted a Identity police report into my credit reporting file. I called the following credit reporting companies to request a copy of a disputes that I made in XXXX. 
1. XXXX 2, Transunion 3. XXXX Customer service agents for all 3 companies, stated that they would not be able to provide documents of disputes made in XXXX. I am not able to access online.
Product: Payday loan, title loan, or personal loan

I applied for a loan. And didn't get any money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to place a credit freeze on my account. On XX/XX/19 I went online and spoke to two Equifax agents about placing a freeze on my account. I have extremely detailed financial records and provided them all financial information I had on hand, but the questions they required of me did not permit them to give me access to my account. They provided no reasonable means for freezing my credit and I believe this is a violation of the law and that they should be liable in the event of a credit incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$190000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has 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 list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXXDate of Inquiry XX/XX/ 2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with XXXX and a credit card I never opened by XXXX XXXX on XX/XX/2022. The account shows closed on XX/XX/2022 after I called XXXX XXXX disputing the account, but never should have been opened in the first place. 

I have multiple disputes with TransUnion. There is an address and phone number that is not mine requested on XX/XX/2022. In addition there was a hard inquiry by XXXX XXXX XXXX XX/XX/2022 with the same address and phone number that does not belong to me. I called XXXX XXXX reporting the fraud, but this is still on my TransUnion account . Also the same XXXX XXXX  account opening and hard inquiry on XX/XX/2022 and account closing on XX/XX/2022. 

I would like these cleared up and removed from my credit reports.
Product: Credit reporting or other personal consumer reports

These are inquiries i found on my credit report without my knowledge : 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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Contacted the department of education to investigate my student loan the for profit school that illegally got me into it under the lie that my credits where accredit and I could transfer into any school with also my master promissary note that didn't have my signature on it it wasn't mine it was electronic and I signed all my financial aid work at XXXX navient failed to provide my original promissary note. Yet they continue to report to the credit bureau during an ongoing investigation that according to the news in the paper could last year 's and in the process there during destroying my credit
Product: Vehicle loan or lease

I have had an auto loan with Prestige Financial since 2013 and everything was going great until I was in an auto accident and the car was a total lost. I contacted the lender and spoke with XXXX who advised me that we had Gap insurance ( I knew I purchased it when we bought the car ) which should take care of the amount left after the insurance payment was made. The accident was almost two months ago and the Gap insurance has not kicked in yet. XXXX XXXX ( who by the way is very nice ) contacted me today and when I called back I spoke to XXXX # XXXX, he was very rude to me. He started saying that I have a contract on this loan and I need to pay it and Gap is not going to pay all of it because of late fees, that I was never advised of, and return check fees from years ago that were never mentioned to me nor did I ever receive any communication regarding. I do not have any checks, everything was done electronically through auto draft. I advised him that I would not be in this position if the car was not totaled and I had been making my payments monthly and was in constant communication with them. He again was rude and did not care about why. I told him that I will let my lawyer handle this because this does not seem fair. He said well this is not going away and why do you have a lawyer, are you suing us. I told him that the lawyer is due the accident. He said well, this still is not going away and you need to pay. I know that it is not going away no one ever said that. I told him that I have another car that I am paying on and can not afford to make a payment today. He was still rude and asked me again why do I have a lawyer. I was not going to entertain his rudeness so I did not answer and asked him why he was being rude to me. He said well you are under contract and you need to pay. I made a payment to them last month even though the car was totaled and now they want another payment. THIS IS UNFAIR TO ANY CONSUMER WHO DOES THE RIGHT THING AND PURCHASE GAP INSURANCE TO PROTECT THEM FROM HAVING TO PAY A BALANCE IF THERE WAS A TOTAL LOST ON THE VEHICLE. the bad thing is that this is their gap insurance and I do not understand why it is taking so long to finish the claim. I was never provided the Gap company name and number for me to follow up on the claim and Prestige has never provided it to me. I have not missed a payment since I have had the loan with them. I have paid every month. I do not deserve the unfair treatment when this is not an issue that I created.
Product: Debt collection

Account is due to fraud under Privacy Act Of 1974, Pursuant to FDCPA any violations are due {$1000.00} or violation according to consumer fee schedule under these violations this fraudulent account has been pursued and violated under 15USC1692 ( g ) ( e ) ( a ) ( f )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and Fraud. I have contacted Transunion, XXXX, and XXXX more than 90 days ago to inform them that I am a victim of Identity Theft/Fraud, yet each refuses to remove the accounts that were created due to Identity Theft/Fraud. According to FCRA, all accounts created as a result of identity theft/fraud are to be removed from credit reports IMMEDIATELY! 

I have filed several incident and police reports to bring this to the attention of local authorities as well as to the creditors, yet the Credit Bureaus continue to make false claims that the accounts in question have been verified. This is impossible because the accounts are not valid and were opened due to Identity Theft. All instances of the following accounts which are referenced on the police reports and FTC reports, should be DELETED IMMEDIATELY FROM MY CREDIT REPORTS : XXXX XXXX XXXX XXXX - {$24000.00} XXXX XXXX XXXX - {$17000.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX Card - {$2000.00} Furthermore, the following accounts have been compromised and fraudulent charges that I do not recognize have been added to my balance, creating an adverse affect that has been damaging to me : XXXX XXXX - {$600.00} In addition, The following Inquiries are also the result of Identity theft and should be DELETED IMMEDIATELY, below are the Inquiry Creditors and the corresponding date of each inquiry : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX Card - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX  - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX1 ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; I can not wait another day for these accounts to be removed !
Product: Credit card or prepaid card

After turning off my auto pay twice, XXXX XXXX turns it back on And fraudulently took a XXXX payment out of my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX.  XXXX XXXX also did this on my XXXX credit card after I turned auto pay off.
Product: Credit reporting or other personal consumer reports

Applied as cosigner for XXXX XXXX student loan. Denied as cosigner based on " limited credit experience ''. XXXX pulled credit info from XXXX. XXXX does not have information on XXXX of my accounts " XXXX revolving XXXX realestate '' that I have had for many years and are all in good standing. These same accounts are listed on my XXXX credit report and thus have much higher XXXX XXXX " over XXXX '' and full credit report. XXXX with XXXX they denied my cosigner based on no current credit use experience. Reached out to XXXX dispute center by phone and was told I can not dispute missing data. I then sent a dispute letter and thus far have received no reply. I have also reached out to my bank holding these XXXX accounts " Prosperity Bank '' to see if they can report this data directly to XXXX. They have stated they report all credit information to all XXXX credit bureaus they simply are not pulling the data into their system. I don't understand why XXXX has all XXXX of my loans over the past 10 years and have paid off and closed " all on time with no late payments '' but refuse to investigate the XXXX that are current and add them to my report so it accurately reflects my full credit history. I have also signed up for and pay for the credit monitoring services with XXXX " using a credit card they refuse to show on my credit report '' hoping that would help. I also paid XXXX for a full XXXX XXXX report as a comparison. Its all listed right there on the XXXX report they pulled and reported to me. I also pay for the credit monitoring service with XXXX hoping to push the missing data from the other reporting agency to XXXX. XXXX also shows XXXX does not have all my credit info. I have the same missing data problem with XXXX but currently XXXX is the reaason I am being denied credit with XXXX. Nothing has worked. I simple want my credit info to be reported more accurately across all XXXX credit Bureaus. Prosperity bank is willing to send over any information requested to resolve this issue.
Product: Debt collection

I received a debt collection notice for a medical debt dated XX/XX/XXXX for the amount of {$1300.00}. I have had previous issues with debts being opened falsely under my name from the years XXXX and I have had a fraud security alert placed on my credit report since last year upon my knowledge of the activity that was taking place. This was before I received a notice from Aargon Agency consequently. After receiving the notice dated XX/XX/XXXX, I replied with a debt validation request dated XX/XX/XXXX requesting the Aargon Agency provide a copy of my signature agreeing to the services. As well, I sent a cease and desist, and requested 30 days to respond to the information provided by the agency and that the debt be withheld from being reported to my credit report during those 30 days. On XX/XX/XXXX, I received the response from the Aargon Agency, dated XX/XX/XXXX. The documents attached were copies of the bill information, as well as personal information such as address, phone number, and social security number, however, the agency did not provide a copy of my signature agreeing to services and billing. This is important seeing as though I have had accounts fraudulently opened under my identity. In my original response to Aargon, I requested a cease and desist from communication for 30 days after their response while investigating the information provided. On XX/XX/XXXX, I received a debt collection call without information of who was calling and who they were calling for. I returned the call to inquire and both representatives refused to identify the agency they were calling from and who it was they were calling for. After making repeated calls, the representative giving me the name of XXXX XXXX, revealed he was calling from Aargon Agency. However, Mr. XXXX would not identify who it was he had called for. On XX/XX/XXXX, the debt was updated and reported back to the credit bureau only 28 days from the response of the Aargon Agency. The Aargon Agency violated my cease and desist while all the while not validating the debt that was placed in my name.
Product: Debt collection

I was separated from my husband and didnt receive a bill for one of our sons ER visits. We are both responsible for his hospital bills but it ended up on my credit report. Ive tried to dispute it with the credit agency and collection agency. I paid the collection as soon as I found out about by pulling my credit report. Which was by also getting money from my ex as he is just as responsible. Its only because my son is on my insurance that it was under my name.

This is the only thing on my credit report EVER. Before this my score was in the 800s. Now its in the 600s and causing issue when I try to buy a home.

I just dont think its fair that this is impacting me when if I knew, I wouldve paid immediately. 

XXXX has already removed it from my report. Im asking for help in removing from XXXX and XXXX as well. 

XXXX XXXX {$630.00}, reported XX/XX/15 XXXX XXXX {$960.00}, reported XX/XX/15
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of auto loan XXXX XXXX XXXX # XXXX, student loan DEPT OF EDUC XXXX # XXXX, DEPT OF EDUC XXXX # XXXX, XXXX  XXXX # XXXX. XXXX  # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from XXXXXXXX XXXX XXXX XXXX  that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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: Mortgage

My FHA mortgage was put into a forbearance during the pandemic under the CARES Act. My lender is demanding all of the back payments due now. My understanding is that they are required to work with me to set up payments. 

Attached here are pictures of the most recent statement they've sent me, which arrived XX/XX/XXXX, as well as their XX/XX/XXXX response to a complaint I made to CFPB last month. In that, they confirm that I'm on a forbearance through XX/XX/XXXX. If the loan is in forbearance, how can they be demanding {$36000.00} from me now? Their XX/XX/XXXX letter says " payments are not required during the forbearance period '' and " During the forbearance period, no late charges incur on the account '', so why are they sending me a statement that says " You are late on your mortgage payments '' and threatening late fees ( {$54.00} ) if not paid by XX/XX/XXXX? If it's in forbearance through XXXX, why does the statement say " failure to bring your loan current may result in fees and foreclosure- the loss of your home. "? Their XX/XX/XXXX letter also said " Please note, this Mortgage Statement is not a demand for payment by XX/XX/XXXX, '' but their statements as you can see quite plainly say " DUE DATE '' and " Due By XXXX '' and " Please mail so that your payment reaches us by the due date. '' Their XX/XX/XXXX letter makes it sound like they're merely updating me on the balance but these statements are demanding payment and making threats of fees and foreclosure. Please help.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint against Affirm Inc, as I believe their lending practices involve discrimination against certain individuals. On XX/XX/XXXX, I applied for a {$690.00} installment loan to cover an online course and was denied without any provided reason or explanation. 

This is not an isolated incident, as I have faced previous denials with Affirm, and inquiries regarding the reasons for denial were met with vague responses. The representative on the phone failed to offer any details or reasons, stating an inability to verify my information without specifying which information was in question. 

The Equal Credit Opportunity Act explicitly prohibits discrimination, yet Affirm Inc 's repeated denials without transparent reasoning raise concerns about approval disparities based on background and race. I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into why Affirm is denying fair credit access to certain individuals.