23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I applied to Discover personal loans for an installment loan in order to consolidate multiple balances into one place. By any objective criteria, I would have been approved for the loan - DTI, credit score, etc. I provided all of my personal information to Discover ( which they had on file, since I have had a credit card with them for 2.5-3 years ). When I called back to Discover, they told me they denied me because I had no credit history. 

Due to their incorrect information, I was not able to get an appropriate loan. I have lost a significant amount of money paying interest charges, and if I apply now, I may not receive an interest rate that will assist me in making payments. I am unsure why Discover thought I had no credit history, but I have a long and strong credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, GA XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Both of these addresses are on my credit report but I never lived there in my life.
Product: Vehicle loan or lease

Went into BYRIDER to get vehicle was told the design was going to based on my income I furnished them with my check stubs not my credit it quickly became about my XXXX XXXX and was denied. this was dishonorable and i feel like i was lied too from the being of the process.
Product: Credit card or prepaid card

XX/XX/2020 BoA closed my account from XXXX and took my money in the account. There was no warning no reason they STOLE our money and we have gotten no reply. If it was so easy to take it then it should be easier to give it back with repercussions. This has effected my credit score inability to pay bills my house, I am now downsized to a smaller rental my sanity
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

Recently I checked my credit report and noticed multiple XXXX XXXX
Product: Credit card or prepaid card

I keep getting a scam note using Google pay plus XXXX XXXX on the account that I never had or issue. It believe to be a scam from XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX FINANCE Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until Jun 2022 700 XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations XXXX addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX WOODLANDS, TX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$590.00} written off. 
XXXX XXXX BANK Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account. $
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 609 letter to Equifax onXX/XX/XXXX21 disputing 2 accounts i mailed them certified they received them on XX/XX/XXXX-21 it now XX/XX/XXXX21 i have not received a response from them I sent a 30 day dispute letter to Equifax onXX/XX/XXXX-21i mailed them certified they received them on XX/XX/XXXX21 it now XX/XX/XXXX-21 i have not received a response from them
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX had took {$60.00} off my card and i tried to dispute the charge and never recieved it because i didnt make thay transaction never been there before so no money should be took off.. 

XXXX repeatedly takes money off even when my card is locked over {$100.00} Other companies have somehow took over {$500.00} off without my consent and cashapp never let me dispute even if i report it as fraud. This is an ongoing thing with cashapp not letting me dispute a lot of unwanted transactions.
Product: Debt collection

Someone came to our door when I was not home I was working and they knocked the door really hard my XXXX  open the door. The gentleman came in. He was harassing my XXXX  and my XXXX  she's XXXX XXXX XXXX. She was very scared because he was using some strong words and drop off some paperwork, which is my XXXX  name is not on the paperwork. He was forcing to take the paper, and my XXXX  did not receive that paper, and he just dropped the paper at the door, and he walked away, and my XXXX  and my XXXX  was home, and the very very scared and they've been very harassed. I need to stop that as soon as possible. She's only XXXX XXXX XXXX my XXXX.
Product: Checking or savings account

Bank of America is not crediting my account!! 

It's down to XXXX. Which should be brought up to XXXX. Because of fraud claims! 

XXXX. Charge was made to XXXX XXXX XXXX XXXX  XXXX pa that's fraud!! Nobody is doing anything about that!! 
There's also XXXX. To cash and XXXX. To XXXX XXXX!! 

CEO of bofa is XXXX XXXX XXXX! Please address letter to him at headquarters. XXXX NC! 
I have XXXX XXXX. Trying to get XXXX but XXXX will cost!! In XXXX. 
Respectfully, XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX Chime bank closed my account and did not refund the balance to me. I sent numerous emails and Chime Customer service pretty much says they dont have to disclose any information. My Chime account remains closed. XX/XX/XXXX, my second stimulus check were deposited to my closed Chime checking account. I never applied for direct deposit nor nominated Chime as my bank to deposit my stimulus check since its been closed to me. Chime bank somehow managed to manipulate that without my consent. Chime scammed me out of my remaining balance before closing my account, and now tried to scam me out of my stimulus check. IRS is not reissuing stimulus checks, I now have to file my taxes electronically to then be credited from the irs. I have no funds to pay for my rent and no funds to feed my kids due to Chimes fraudulent acts. Chime shows no compassion for its customers during the pandemic. I had a balance of {$490.00} before Chime closed my account and I would like to get reimbursed for whats mines. I can not afford to get scammed at a time like this. As for my stimulus, I have to follow up with the irs again to see what my options are. Please help me get my funds back from Chime bank!
Product: Vehicle loan or lease

My initial complaint through CFPB about Credit Acceptance was submitted on XX/XX/XXXX ( XXXX ). My complaint is related to Credit Acceptance failure to notify the co-signer as well as myself of intent to sell a repossessed vehicle. On XX/XX/XXXX, I received a phone call from XXXX XXXX. XXXX  was unprofessional during the phone call, as it seemed as if he was trying to coerce me into saying that I received notification of intent to sell. Credit Acceptance responded to my initial complaint by providing documents that were supposedly sent to the co-signer as well as myself. The problem that I have with the alleged proof a notification sent before selling the vehicle is that the co-signer denies receiving notification as implied in the response by Credit Acceptance. The co-signer has resided at her residence for over 10 years. Therefore, its not possible that she didnt receive notification due to relocation. Hypothetically speaking, if its a possibility that I didnt receive my notification because of an issue related to the postal service, how can it be possible that two individuals with separate addresses not receive mail coming from the same company. I strongly feel that the documents provided by Credit Acceptance are falsified.
Product: Credit card

My membership rewards points are still frozen after I reach {$3000.00} spending in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is showing negatively on my Transunion credit report. 
This account was opened fraudulently. 
It is inaccurate and not mine. I've tried a number of times to contact the company to no avail. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX PR XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an inaccurate account on my credit report with XXXX, XXXX, and TransUnion, but none of the credit bureaus will fix or delete the account. They all just keep saying it's verified. The problem is with the an account from XXXX XXXX. The payment history is inaccurate on all three credit bureaus. On my XXXX report, the account shows as being paid on time during XX/XX/2017, then 90 days late the next month. This is wrong for two reasons : you can't become 90 days late in the span of XXXX month and the account was already charged off during XX/XX/2017, not 90 days late. XXXX should know this is wrong, especially after I already disputed it, but they refuse to fix it. On my XXXX report, this account show no late payments prior to XX/XX/2017, but XXXX shows it being 90 days late during that month. This is wrong for two reasons : I can't be 90 days late after making no prior late payments and this 90 day late payment does not match what XXXX is showing. The payment history on XXXX is completely inaccurate and they refuse to fix it. On TransUnion, this account shows a 30 day late payment during XX/XX/2017, then a 90 day late payment during XX/XX/2017. This is wrong for two reasons : I can't miss two payments during a 30 day timespan and it again does not match what XXXX and XXXX are showing. All three credit bureaus have different payment histories! I have disputed with all three credit bureaus about these blatant inaccuracies and they all just keep saying the information is verified. If I remember correctly, the FCRA says credit bureaus are required to remove any information they should know is inaccurate themselves. They don't even need to contact XXXX XXXX to know these payment histories are wrong, but they will not fix it.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/2016 I called Citi at XXXX and spoke to an agent named XXXX at XXXX EDT who opened up XXXX Citi Gold Checking accounts for me with the following promotion code : XXXX. XXXX stated that so long as I make {$1000.00} in debit purchases and two consecutive monthly bill pays I would receive XXXX XXXX miles per account for the Citi Gold accounts within 90 calendar days from the date when I completed the offer requirements. All the offer requirements were completed on XXXX/XXXX/2016 for both accounts, and 122 calendar days have passed but the XXXX miles have not been added to my Aadvantage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00} XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I have morgage with shellpoint and they've been increasing my monthly payment more that {$500.00} because of the wrong " calculation with the escrow. I used the forbearance program for XXXX XXXX due to the covid situation but even in those months i added money to my escrow account to reduce the balance. I requested a payoff and after almost XXXX  years with this loan they are changing me {$10.00} more of my original loan amount, when a called them they said that i have to pay double interest for those XXXX months that i was in forbearance, also they changing me {$7000.00} of " recover fees '' but they can't explain what is that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments that these companies because I was never late in this account as i'm not sure why there is a late payment reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( XXXX, XXXX, Equifax ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Equifax : XXXX XXXX- Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The owner of Credit Plus has a familiar relationship with my former employer Credit Plus ran my credit report without my knowledge and without my authorization I placed a phone to Credit Plus seeking employment with them I sent my resume never heard from the company today as I was checking my credit scores I see the company place a hard inquiry on my credit report I never gave this company permission to do this I never even met with anyone from this company they abused their power by running my credit report with my knowledge and or permission this is illegal
Product: Credit card or prepaid card

I purchased this card on XX/XX/XXXX as a gift to a friend, I traveled to XXXX XXXX but forgot the card at home accidentally. I returned to XXXX XXXX and gave it to my friend only to find out when he went to use it that someone had used it on XX/XX/XXXX unknown to myself or him. 

I sent a fax on XX/XX/XXXX as well as an email XX/XX/XXXX to BNH about this matter with all documentation I have also attached that as well to this complaint. It took another email to let them know that if I didn't get some kind of a response I would report them to a government authority. 

Today I received a letter from them that they are not going to honor a product they sell, because of some 60 calendar days? I paid {$300.00} for a card that I or my friend never got to use. If they would have told me I was just donating this card to a fraud level I surely would not have bought one of theirs!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This the letter I wrote on XX/XX/XXXX after multiple phone calls with customer service. I just got off the phone on XX/XX/XXXX & was told that they have by the end of the day to complete this. They knew I was closing on a refinance but didn't care. I have taken this issue up originally back in XX/XX/2017, but they didn't correct the issue back then either. It is not fair that I have to take a higher interest rate, pay thousands of dollars more in interest because this company refused to correct their mistake. 

I am writing this letter because I am purchasing a new home, I was told that the 30 days late & 60 days late are still reporting on my credit report for dates XX/XX/2017 30 day late & XX/XX/2017 60  days late. 

The reason that this was reporting late, is when I paid online, I made a double payment by accident.I called to correct the problem. When I asked to reverse one of the payments, XXXX XXXX  canceled both payments & sent me a refund check. By the time, I knew that this had happened, it made my account look like I was missing two payments, even though I made the actual payments once I figured out what had taken place. I had called several times on this in the past and was assured that both late payments would be removed from my mortgage rating. 
I am asking XXXX XXXX  once & for all to please remove the 2 late payments, so my credit score will go back to where it was supposed to be in the high 760s. I have never been late on any account. My new home is supposed to close on XX/XX/XXXX, so I am requesting a rush on this. I appreciate your help in this situation.
Product: Mortgage

My mortgage raised my monthly payment. XXXX furnished a statement on XXXX/XXXX/2015 showing an interest rate of 2.625 % and a notation that the Interest Rate is good until XXXX/XXXX/2015. Then the following month they sent another statement dated XXXX/XXXX/2015 that raised my interest rate to 2.75 % and a notation that the Interest Rate was good until XXXX/XXXX/2015 and increased my payment from {$1400.00} per month to {$2500.00} per month. 
I called the loan servicer to let them know of the error and they told me to disregard the XXXX/XXXX/2015 and to make the payment {$2500.00}. I told them they were the one that generated the statement and they said to again disregard the XXXX/XXXX/2015. They did not want to help in this matter and again, just stated to disregard the XXXX/XXXX/2015 and make the new payment. I feel that Nationstar Mortgage should be consistent in their notifications.
Product: Mortgage

I am currently trying to open a credit line on my property with XXXX  XXXX XXXX. I paid Off my mortgage XX/XX/2019 with Arvest Central Mortgage. I am locked in the process with XXXX  XXXX XXXX because there is a A issue with the title. I seems Arvest took over the loan from XXXX XXXX XXXX XXXX and they have never released their lien. This is causing me Financial hardship since this credit line is to pay for probate for my father estate in XXXX XXXX. I have paid this loan off over four months ago and feel this is unacceptable to not have clear title by now. I have called .and been given the wrong forms from Arvest and currently been waiting for a week for a call back while they do their research. How can a company not have their documentation in order and release my title in a timely manner? This has to be illegal at the very least unethical either way it is costing me time and money while I wait.. I am sure this is just a larger issue waiting to appear once those loans come do they obviously do not have their documentation in order FRom XXXX  XXXX XXXX The document you sent in is an assignment of mortgage showing your mortgage was transferred to XXXX XXXX which was taken over by XXXX XXXX. Whoever had your mortgage at the time the mortgage balance was satisfied, would then have the release. The release would then be mailed to you and then it has to be taken down to the county and recorded. We need a copy of the recorded lien release from the bank that had your loan when it as satisfied which could possibly be like I mentioned above with XXXX XXXX. We do not have the release. Please let me know if you have any questions. Thank you in advance.
Product: Mortgage

My husband and I received a Notice of Eligibility from the State of NJ for the XXXX Forbearance. The instructions were to forward a copy to our mortgage company and ask for a letter of forbearance from them. I called my mortgage company on XXXX/XXXX/17 and was told to e-mail a copy of the letter. I did that and have not yet received the letter requested. They call me several times a week and do n't know about the letter. They put me on hold to look into it and then tell me to call back in 10 days. This is very frustrating.
Product: Checking or savings account

My XXXX XXXX XXXX son opened a XXXX checking account with Capital One. He was the primary account holder. Capital One issued my XXXX XXXX XXXX son a debit card. Capital One has specific guidelines about not allowing a XXXX  to use the account for adult sites and that Capital One would alert the guardian/parent. My XXXX XXXX XXXX son used a XXXX debit issued by Capital One to purchase adult content from XXXX. Capital one never alerted me. My son spent {$2000.00} on XXXX. Capital One violated its own published guidelines for this minor account.
Product: Payday loan, title loan, or personal loan

Credit karma has the We find a loan, credit card, housing, we find with your credit score to match you so you can apply. They have ran intense credit reports almost daily for over a year and wont stop. I even have companies show up on my hard inqiory credit score I didn't even approve off and is ruining my credit. I went from almost XXXX score down to XXXX because of them.