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

XX/XX/21, I was unlawfully discriminated against and denied my RIGHT to extend credit pursuant to 15 U.S. Code 1691 ( a ) ( 3 ) as I in good faith I exercised my right to extend as well as grant credit as the original creditor using my credit card number ( social security card number ). Inaccurate information was also obtained from a credit report in connection to the denying my natural right, which is in fact a violation of 15 U.S. Code 1611. Notice it is a fact, I, the consumer is aware social security card is a credit card pursuant to 15 U.S. Code 1602 ( I ) as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, it is also a fact, I the consumer is also aware the term credit means the right granted by I, the original creditor, to a debtor defer payment of the debt pursuant to 15 U.S. Code 1602 ( f ). Last but not least, I, the consumer, am aware pursuant to 15 USC 1602 ( g ) the term creditor refers only to a person, meaning not the organization but the natural person, meaning I, the affiant and consumer, who regularly extends consumer credit, in connection with loans, sales, property or services payable by agreement which a finance charge may or may not be required or the natural person whom the debt arising from the consumer credit transaction which maybe payable on the face of evidence of indebtedness such as a contract or by agreement. We can resolve this issue by by allowing me to extend my credit without discrimination, to obtain the consumer credit product your company has to offer.i do not want to take this case any further as their isnt ant reason for me to be denied something that is paid for by my credit card. Please contact me as soon as possible. I'll also be contacting the Consumer Financial Protection Bureau about this matter.
Product: Vehicle loan or lease

I have tried making my payment by website and automated phone service. By phone ; the automated service won't allow me to make my payment, due to it restarting and improperly functioning. This is how I've always made my payment in the past. Upon failure to make payment by phone, I signed up for an account, online. The system, rejects the payment and told me not to try again. ( Documented with screen shots ) I have left 6 emails with the customer service link provided on their website. I have called 4 times and been left on hold anywhere between 10 minutes to over 30 minutes, trying to reach someone to talk to, with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau about 30 days ago and I am yet to receive a response, these items are inaccurate and I demand to have to them removed.
Product: Student loan

I used Citibanks online payment system to make a payment for {$20.00} and they drafted {$1500.00} from my bank account without my authorization which i am currently filing fraud charges through my bank against citibank to reverse this fraudulent payment and get my money back. In addition he company will not allow me to take any forebearance which i have requested XXXX times due to medical billing. Also the company will not allow me to adjust my payments in any way which will ultimately lead me to have to default on this loan.
Product: Debt collection

A company named Springs Oak Capital, LLC keeps texting me about paying a debt that I don't owe. The texts state that I owe XXXX XXXX payments on an account originated by XXXX XXXX XXXX. I've never purchased merchandise from XXXX XXXX nor have ever opened an account with XXXX XXXX XXXX Springs Oak Capital, LLC sent me texts on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. The company 's phone number is XXXX. I've attached photos of the first text message.
Product: Credit card or prepaid card

Office Depot ( Citicard ) gives out cards without activation requirements. I had some fraud purchases that had occurred and they didnt resolve it. 

I did not make these purchases nor was it authorized. 

XX/XX/XXXX {$41.00} XX/XX/XXXX. XXXX XX/XX/XXXX. {$200.00} XX/XX/XXXX. {$450.00} XX/XX/XXXX. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is a follow-up to my earlier communication about the following item ( s ) being reported on the credit file listed under my name and Social Security Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested multiple times that you verify the accuracy of the information reported by this furnisher. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 

Because you are in violation, this account must be removed from my credit file. Please send me an updated credit report with the information removed. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Equifax and XX/XX/XXXXarent complying with my dispute request. I sent them a letter on the XXXX of XX/XX/2020 which was my initial dispute. I then sent another letter on the XXXX of XX/XX/2020, which was a thirty ( 30 ) day demand to comply and they still havent responded.
Product: Credit card or prepaid card

American Express lowered my credit limit on my card ending in XXXX from {$25000.00} to approximately {$5000.00}. I felt this was a bit harsh.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a series of ongoing issues related to my mortgage assistance application with my Discover Home Loans. The process began in XX/XX/2024, and it has been fraught with delays and inefficiencies that have left me in an untenable situation. 

The reason for my mortgage delinquency is the untimely death of my spouse and subsequent loss of my job. Despite having provided a comprehensive set of documents and evidence to support my application, the lender has yet to review my request. Instead, I have received numerous rejections due to trivial clerical errors, all of which I have promptly corrected. Each time I call to find out the status I am placed on hold for an hour or more, and told that I cant speak with an underwriter. 

It seems that these minor issues are being used as a reason to indefinitely delay the review of my application, despite the urgency and gravity of my financial situation. 

This has been an incredibly frustrating and stressful experience. As a single mother and a widow, I am trying to navigate through my financial difficulties while also dealing with a lender who seems to have little regard for the hardships their customers face. The lack of empathy and urgency shown in handling my case is unacceptable. 

The current situation is causing significant stress and has put me in a precarious financial position. The continuous delay means that I will have to submit another round of documents, further extending this already lengthy process. I am committed to finding a solution to my financial situation, but I need my lender to show the same level of commitment and understanding. 

I kindly request your assistance in this matter. It is my hope that your intervention will expedite the review of my application and bring about a fair and timely resolution. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with experian about incorrect information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

I have reached out on several occasions to XXXX because the website they offer for a monthly fee tells me that I cant see my most recent scores from Equifax or XXXX. I have followed the prompt and reached out to both Equifax and XXXX to fix the supposed issue of them having information that doesn't match that of XXXX. They verified that everything I have on their files match each other. But for months now I haven't been able to see neither the Equifax nor the XXXX score or report sine XXXX of XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 do not recognize these inquires nor did i approve them. I was not told about hard inquires not was i told my credit would be pulled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today I decided to review all my credit reports. In my review I discovered so many inaccuracies. I prepared a letter of an investigation for Experian, XXXX and XXXX to conduct a proper investigation on each accounts listed within my letters. 

According to the FCRA all information reporting on my credit report must accurate and complete. There are plenty of inaccurate information. This type of action can cause me from growing my business and purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violation : credit card not mine XXXX XXXX {$1200.00} XXXXXXXX XXXX  {$1500.00} XXXX XXXX {$1400.00} XXXX XXXX {$840.00} XXXX {$1500.00} XXXX  {$840.00} XXXX XXXX FCRA Violation : other loan never been late XXXX XXXX XXXX XXXX Violation : collections XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$1100.00}
Product: Mortgage

BSI Financial has three times in one year lost my mortgage payment. This forced me to make an emergency online payment to avoid late fees. Subsequently, my first check was cashed by BSI, just a few days after the deadline. Although that then covered the NEXT month, its not easy to suddenly come up with XXXX  of dollars in my monthly cash flow because of someone else 's incompetence. This happened in XXXX, XXXX and XXXX of 2022. ( It is reflected in the online records of my account at BSI ) Either they are incompetent or trying to squeeze people for fees. I get paid on the last day of the month ; I mail my mortgage on the next day - like clockwork. If a company offers pay by mail, they need to competently process mail. I have not had this issue in 30 years with any other mortgage company or utility.
Product: Credit reporting or other personal consumer reports

Account number - XXXX XXXX XXXX XXXX  - XXXX Completed XXXX separate payments via telephone for {$300.00} total. Payment made with XXXX ending XXXX. Reference numbers : XXXX & XXXX. 
Not responsible for closed account. Account balance and payment history, incorrect. Payments for {$150.00} USD submitted XX/XX/2023, and XX/XX/2023. Currently, unable to dispute with utilization of TransUnion dispute tool. 

The report is displaying owed monies to a company that has already been fully paid. Please review attached, supporting documents from financial institution. From TransUnion, TRANSUNION, TRANSUNION LLC, the information in the remarks field is not accurate.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus 06/07/2024, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting

I have been notified by XXXX XXXX XXXX that my balance is being provided to all major credit bureaus but the account balance is not being updated. I have not been able to pay on this account due to inaccurate balancing updates. I have attached documentation that the balance should be {$960.00} so that I can begin letting my credit union make payments as they did on my behalf. But I find it unfair to do this and the credit bureaus are not doing their part to update the balance. XXXX XXXX XXXX said it was fine to have the credit union mail payments to the original creditor as which would notify them of the payments received as which, XXXX would then in return notify the credit bureaus. There are old debt ( not that I am admitting to these debts ) that has exceeded the time limit but yet displayed on my credit file. For example, XXXX XXXX XXXX expired XXXX 2016 but still displaying on all credit files. Whenever I disputed a debt, I always said " it 's not my debt '' because of the laws to restart the count, but the credit bureaus restarted the counts ( review my credit files, you will see ). I also disputed the " suffix '' on my name with Experian in Report Number : XXXX because I am not a male and never had " XXXX '' on my name. This is yet to be corrected because I have not received an updated report to reflect this. See attached that reflects this name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried multiple times to dispute these, they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting that I am ( 120 plus ) days late on the DP EDXXXX account. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. ( Attached is a spreadsheet of accounts for reference. ) I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

To Whom it may concern : You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit card

I had a company ( XXXX ) come to my home to perform a service that was not fulfilled. I paid {$100.00} for the services that day and that service was not fulfilled either but I paid. I disputed the cancellation charge for any further services stating that this company broke their agreement when they clearly broke their terms. I won the dispute and Citi Bank Visa refunded my money. The cleaning company then went into my credit card and took another {$250.00}. I have changed my card numbers 3 times, put a block on, a privacy onI have done everything I can to prevent this company from breaking into my account and I keep being assured they wont break in but they do. This last time, very cleverly, they first took {$45.00} when they realized they could get in my credit card again they took an additional {$250.00} more. I feel CitiBank Visa is not protecting me and my money from these people. I can not cancel the card because I would lose {$280.00} in Costco money/ points if I cancel before XXXX. I am on a fixed income and the reason I hired this company was I was having my husbands memorial service at my home and needed their servicehuge mistake! Thank you for your time.
Product: Mortgage

Mr. Cooper informed us that we needed to pay {$240.00} to close the escrow.We were told that the amount we paid in XXXX would decrease the negative escrow amount from {$240.00} to {$18.00}. They informed us that if we waited until XXXX, the amount we would owed would be about {$18.00}, to cover the negative escrow. They said that if we paid {$18.00} in XX/XX/2024 to cover the remaining negative balance, we could close the account. On XXXX XXXX, we paid the {$18.00}. Our new mortgage was supposed to be {$1700.00}. Then they sent a new letter today stating that we owed an additional {$400.00}! And they would add the {$50.00} on to our mortgage to make up the difference. That was not what we were told. I have the phone recording from XXXX XXXXXXXX XXXX They paid one of our taxes late and we were charged a {$5.00} fee. They refused the refund it, then told us they were increasing our mortgage over {$100.00}. We decided to pay our taxes ourselves. They said that if they get a notification that we miss a tax or insurance payment they would force escrow on us going forward. I told them that we have never been late with our mortgage so why would we pay our taxes late? They are making it extremely difficult for us to take over our escrow. We are two XXXX XXXX on a fixed income and they keep doing things to adversely affect our financial stability. They don't want to hand over the escrow. The {$400.00} is a mistake that they need to fix and honor what they quoted us in XXXX.
Product: Prepaid card

J.P. Morgan Chase Bank deliberately withheld a Pre-Paid account over {$3000.00} of monetary Unemployment Insurance compensation benefit since XX/XX/XXXX ( over 3 years ). The actual amount is undetermined due to interests charged by J.P. Morgan Chase Bank against me, as told to me by JP rep via phone. I was not informed about this account for over 3 years until I applied for UI benefits back in XX/XX/XXXX ( refer to XX/XX/XXXX UI 's Monetary Benefits Determination and XX/XX/XXXX Employer Questionnaire documents ). Did XXXX combine both the XX/XX/XXXX {$3000.00} Pre-Paid Card Account amount to my XX/XX/XXXX UI application submitted in XXXX? This XXXX application triggered JP Morgan to immediately mail me notification about money withheld since XX/XX/XXXX. Where is the the XXXX?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX Has violated my rights. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), States, my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Per 15 USC 1681 Section 602 A. States that I have the right to privacy Per 15 USC 1681 Section 604 A. Section 2, States, a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I requested a copy of the description of the method of verification procedure used to determine the accuracy and completeness of the disputed accounts in question. Including the name of the company and address and the person name who conducted the reinvestagation process to me. I never received anything from the credit bureaus. I was told I didn't need any documents for the process by their representatives. By State and Federal law, a consumer reporting agency SHALL provide to a consumer a copy of description of reinvestagation process referred to paragraph ( XXXX ) ( B ) ( XXXX ). Unverifiable accounts MUST be removed from a consumer 's credit file. Silence in this matter is unacceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should all three credit bureaus continue to attempt to collect these debts without the proper validation, I have the right to sue all credit bureaus in small claims court and subject them to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I would like to remind that the credit bureaus are legally obligated not to report a debt that has not been properly validated. I am sure that the credit bureaus want to resolve this matter as quickly as possible and avoid any unnecessary complications Should they fail to respond to the letter within 15 days. 
Sincerely, XXXX XXXX XXXX XXXX.