23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Applied for Home Equity Loan  XXXX / XXXX /17.No amount was requested. Believed amount of approved HELOC would be defined by lending agent, U.S. Bank. At the time of the loan application, I was aware of approximately {$50000.00} equity in my property, a condominium and I disclosed this information to the manager   XXXX   XXXX  ,  XXXX . who initiated the loan process and communicated with me until all documents needed for the loan assessment were submitted. Upon initial conversation with the Branch Mgr., he indicated the preliminary data indicated I should qualify for a {$72000.00} loan but I was NOT informed that this was the amount he was requesting in loan application.
On  XXXX / XXXX /17 I was informed by email and letter that the loan was denied due to " value or type of collateral not sufficient '' AND " insufficient amount of equity based upon the loan to value percentage ''. Per denial letter instructions I request further explanation from the Branch at (   XXXX   )  XXXX , receiving no additional information.  XXXX / XXXX /17 I requested Branch Mgr. to follow up with Corporate Office with no further clarification.
Question : How can loan be denied for LTV when no amount was requested by the applicant? If lender does not approve HELOC 's for condominiums, this information is needed as a consumer so I can understand my future lending options.
Product: Credit reporting or other personal consumer reports

inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, it is TRANSUNION 's duty to report CORRECT and ACCURATE information on my credit report and file. However, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. This includes the reporting of 120 days past due on XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in TRANSUNION also violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/ permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that TRANSUNION has violated my federally protected consumer rights and the reporting of the inaccurate late payments is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

Hello, I am writing this complaint in regards to LVNV funding LLC. This complaint is in regards to fraudulent charges, and defamation of my character. I have two accounts that is currently tarnishing my reputation. One in the total amount of {$360.00} for XXXX  XXXX XXXX, and {$270.00} for XXXX  XXXX. This alleged debt has yet to be validated. Please keep in mind the difference between validate and verify. I received a copy of statements in attempt to validate debt. As defined a statement is an alleged debt, and statements along with a contract is also defined as hearsay. I already have two reports of this account tarnishing my consumer report. 

LVNV has also obtained my information illegally, which is an infringement upon a consumers privacy. According to 15 USC 1692c ( b ) 3rd parties do not have consent to communicate with consumer. There is also no law that states consumer owes debt. So called debts are obligations of the corporation that is the United States. This is stated in 15 USC 1601. Also Keep in mind I did not receive any IRS form 1099-c cancellation of debt/ reporting collections/ late payments/ charge offs. Which is also Tax fraud from LVNV. Transactions reporting as late/ collection/ charge-off/ and any other derogatory information is also a violation. I demand that both accounts deleted from my consumer reports effective immediately. Please
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no knowledge of these fraudulent accounts. im a victim of Identity theft. The thief may obtain my information with these data breaches leaks from XXXX, XXXX and experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulen XXXX Collections
Product: Debt collection

I got a generic email and no follow up after letting them know this company did not fulfill their contractual obligation or the lifetime guarantee they promised that I specifically chose this company for.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2023, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

all theses address are being repoted that i never lived there XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXXXXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX
Product: Student loan

ACS continually misapplies account payments, even after many notifications to such.
Product: Payday loan, title loan, personal loan, or advance loan

During the last week, I started receiving numerous loan offers from the XXXX website. Today, after great reluctance, I decided to try my luck. I was approved a loan of {$3000.00} after requesting {$5000.00}. I accepted. After submitting my banking info and personal info I was told that I would need a co signer in order to receive this loan. Of course this INFURIATED ME and I refused the loan. I feel that I was discriminated against because of my zip code and ethnicity.
Product: Student loan

I asked for a refund for payments made during the payment pause in XXXX. I called XXXX and AidVantage. AidVantage said I had to go through XXXX. I was quoted 4-6 weeks for a refund. XXXX automated recording acknowledged my request until XX/XX/XXXX. I spoke to XXXX who said all information has been transferred to AidVantage. I called AidVantage and started the process over requesting a refund on XX/XX/22. They entered my request and said it could take 8-10 weeks. I called at the end of 10 weeks and was told 12 weeks. I called again at the end of 12 weeks and was told it could be an additional 10 weeks. This is unacceptable!
Product: Debt collection

Today I checked my credit and noticed a collection for {$860.00}. I don't know what this is for or why it's on my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruadlent Accounts on Credit Report 1. XXXX XXXX XXXX {$110.00} XXXX. XXXX XXXX XXXX {$650.00}
Product: Credit card or prepaid card

We have a XXXX XXXX amex serve card. We have had out federal refund put on this card with no problem. Well on XXXX we received our stimulus of XXXX and once it hit our card they locked it. They will not tell us why. They will not give us any answer except to write them a letter and wait for a response. We have almost XXXX on that card. That's all the money we have for bills and etc. And now we have no way to access it
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B it is illegal to report information on my credit report without my permission. Please remove this from my credit report. Thank you I WANT THESE INQUIRES DELETED BECAUSE I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT THAT IS FRAUDLENT
Product: Debt collection

I got a call from my employer that XXXX XXXX called stating I was in trouble and to avoid having sheriffs come to work to XXXX me they needed information about me. My supervisor did not give the lady info but called me. So I called and she was extremely rude and said I needed to pay her XXXX right now or she would send it to legal and garnish my wages. I kept asking her for more information and that was making her very angry. She did not want to me to call and verify anything and because I wanted to verify some information before continuing the conversation she screamed at me that I had a XXXX past and she was pushing it through to legal. It was for a credit card for {$300.00} from XXXX XXXX.
Product: Credit card

I am complaining by a recent attempt by Citibank to improperly and without cause charge me {$32.00} interest on credit card purchases last month. I check my balance online every day on their website and WE NEVER RUN A BALANCE. I pay several times a month online. I do n't like paying interest charges. Their annual fee is enough. I called them today and they said that I actually DID HAVE a balance but that it was n't showing up on my screen! I said, " Then it 's a software issue for Citi, not a payment issue for the consumer. Their new website is misleading. It is an attempt to hoodwink consumers! Call me anytime for details. OUTRAGEOUS behavior to up their numbers for the quarter.
Product: Credit reporting or other personal consumer reports

I went into XXXX XXXX to get approved for a vehicle. Ive been approved but my credit keeps getting ran. So far there are XXXX inquires that I dont know about and they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who, it may concern, Case number XXXX for account in question ( XXXX ) I am requesting the removal of this account off my credit report for several reason. I am here seeking help to have Falsified account removed. I am first asking for the the ORIGINAL contract was would confirm this account belongs to be WITH MY SIGNATURE that was allegedly open in XX/XX/XXXX. 
Then I would Like to see written agreement that gave ONE MAIN FINANCIAL permission to report my alleged account to any consumer reporting agencies. According to Fair Reporting Act 15 U.S.C 1681 section 604A section 2 : The law states clearly that my personal information CAN NOT be furnished WITHOUT my WRITTEN permission. There is a difference in placing an agreement inside of an statement and having someone agree to what the law is in written form. This written permission would have been when the " account '' was open in XXXX, Not XXXX when the company alleges in previously in documents. The account in question was charged off XX/XX/XXXX and alleges 6 payments was made in XXXX with a card ending in XXXX. As I previously stated and have proven this to not be true. By their own Evidence that ONE MAIN has provided, None support this a payment wasmade. A representative is now stating that it may be from a different account, but from their own records ONE MAIN states and has shown records of this alleged payment coming out of this specific account, now in a new statement they believe it was another account. Which is why I remain certain that this is account is was falsified. ONE MAIN can not provide any documents to support this account. The burden of proof is uncertain with this account. In addition, If the account was charged off in XXXX, Why was the account being reported in OK status with the credit reporting companies?. XXXX OK. 
XXXX -OK. XXXX, XXXX-OK. Even XXXX of XXXX the account was reported in OK status. Reporting the account in OK status means it's Current. Please provide.
Product: Credit card or prepaid card

During last year someone open 3 American Express under my name. They open also a checking account under my name. Apparently payments where made. When I realized I notified AMEX. AMEX wrote a letter attached notifying me that I own the money to them. 
They have also submitted those account to a collection agency.
Product: Debt collection

On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Not too long ago, I received a collection letter from XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with XXXX XXXX. I submitted a complaint thru CFPB and unfortunately all happened was that the account was transferred to a new collection name CREDIT CONTROL LLC. I recently have been receiving multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the above stated one.
Product: Debt collection

1 ) Debt collector placed negative information on consumer 's credit reports without notifying consumer. 2 ) Debt collector has not validated such debts under Section 803 of the FDCPA. 3 ) Debt collector is re-aging accounts in an attempt to keep them on consumer 's credit reports longer, and 4 ) Debt collector is calculating and reporting amounts different from those of the original creditor ( s ). Please see corresponding complaint # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF ED XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I reported a dispute with CFPB complaint ID XXXX in regards to XXXX reporting that my mortgage account was closed. Within 48 hours of the complaint my credit score went up but XXXX still had it as closed. Today XX/XX/XXXX I checked my credit score an saw that it changed. I investigated an found that XXXX had the account removed from my credit.XXXX XXXX an XXXX never had it as closed or removed. I contacted XXXX an they said that Nationstar ( my LSP ) had told them that it was deleted. Keep in mind that my wife is also on the account an has not been effected at all. Im at my wits end with this company. According to XXXX they remove closed accounts after 7 years.
Product: Credit card

On XX/XX/XXXX, I received a phone call from XXXX and the caller told me they were with Goldman Sachs and that there was some complicated fraud on my card that was requiring further investigation. They told me my entire credit card number and that there was a charge for {$5000.00} that was on my card and fraudulent. All of that was accurate - I had declined the charge for {$5000.00} when it popped up on my phone... so I thought I was really talking to Goldman Sachs. They proceeded to tell me that they needed me to approve some charges so they could go after the scammers, but they would credit me right away. There were five transactions totaling {$20000.00} before I realized I was being scammed and immediately reported the charges to Apple/Goldman Sachs . I was on the phone with the scammers for hours from the time they first called, but I did report the fraud to the real Goldman Sachs same day and within hours of the initial transaction. The charges were credited and I thought everything was resolved. Then Goldman Sachs put the charges back on my card on XX/XX/XXXX. They did not try to contact me in the time they were reviewing my dispute- I have no emails, no calls and no voicemails from them. After an incredibly difficult time of finding a way to contact the right department ( the phone number on their dispute email only tells me my current balance info, last payment and such - doesn't offer to transfer to a person or report fraud... I ended up calling Apple tech support and asking to be transferred ), I was able talk to a customer support person and to find out that they wanted " evidence of my claims '', so I sent screen shots of my call history. I provided that information and they put in another dispute credit on my card ( all on XX/XX/XXXX and XX/XX/XXXX ). 
They have declined the first of the five charges ( put the charges back on my card ) for the second time on XX/XX/XXXX, and three others on XX/XX/XXXX. ( I assume the last charge will hit my card on the next business day, XX/XX/XXXX which will be the full amount back on my credit at that point. ) Not sure if it's worth mentioning, but if they hadn't kept increasing my credit limit without my request- then the scammers wouldn't have been able to get as much money from me. 
Thank you, and please let me know if you have any questions or need further information.
Product: Mortgage

Loan No. XXXX I called Citizens One Home Loans on XX/XX/XXXX and sent an email to advise I was having a temporary financial hardship and requested a loan modification/forbearance. I spoke with 2 representatives that day and they indicated they would mail me the paperwork necessary for my request. I did not receive the paperwork until XX/XX/XXXX. I submitted my loan modification/forbearance paperwork to Citizens One Home Loans XX/XX/XXXX. I also forwarded a partial payment of {$900.00} on XX/XX/XXXX. I submitted another partial payment of {$1000.00} XX/XX/XXXX and plan to pay off the remaining owed by XX/XX/XXXX. I just received my partial payment back in the mail with a request for payment in full no partial payments accepted. I have called Citizens One 3 times just today and no one picks up the phone. I have called 3 of their phone numbers and still no responses. Called several times and no answer. I need assistance in getting a response from this mortgage company. Appears they are purposely not accepting payments or calls in order to foreclose on my property. Please let the records show I have done by due diligence in trying to get this resolved and Citizens One is not responding.
Product: Checking or savings account

On XX/XX/XXXX, my checking account was overdrawn, causing me to be assessed an overdraft fee. Over the course of 5 days, I was assessed {$210.00} in overdraft fees, even though I deposited over {$700.00} over the course of several deposits. Because I could not deposit them quickly enough, I was continued to be charged for having overdrafts. When I reached out to the bank, they refused to credit any of the fees, citing that I had had one overdraft fee refunded in XXXX of XXXX. This was on XX/XX/XXXX. I believe that these types of fees directly impact customers who are clearly struggling, and prevent them from bringing their accounts out of default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a leased XXXX XXXX through XXXX XXXX XXXX, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with XXXX XXXX on the phone and was told that a final bill had not been  sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that XXXX XXXX makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at XXXX XXXX XXXXl accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of several accounts on my credit report, as reported by creditors or collection agencies. These inaccuracies are damaging my credit profile, and I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Furthermore, I urge you to ensure that the reporting complies with METRO 2 standards as set forth by the Consumer Data Industry Association ( CDIA ). 

Accounts in Dispute XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Issue : Incorrect reporting of charge-off and inaccurate balance of {$730.00}. 
Discrepancy : The Date of First Delinquency ( DOFD ) is not established, potentially causing incorrect reporting duration. 
XXXX Account Number : [ XXXX XXXX XXXX  ] Issue : The Charge-off was reported incorrectly as {$770.00} without proper substantiation. 
Discrepancy : XXXX XXXX and unclear balance calculation, including fees and interest rates. 
XXXX XXXX XXXX Account XXXX : XXXX Issue : Charge-off reported with a balance of {$11000.00}. 
Discrepancy : The account status and reporting of payments do not comply with FCRA requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : [ XXXX XXXX XXXX  ] Issue : Late payments and charge-offs were reported inaccurately. 
Discrepancy : Payment history does not align with the original creditors documentation. 
Specific METRO 2 Concerns Under METRO 2 guidelines, all data furnishers must ensure the accuracy of the following : Base Segment Field 25 ( Date of First Delinquency ) : Accurate DOFD is required to determine the appropriate reporting period.

Field Code 19 ( Payment Rating ) : Must accurately reflect the payment performance at the time of reporting.

Field Code 21 ( Special Comments ) : Must include any clarifications if the account was impacted by extraordinary circumstances, such as disputes or errors.

Compliance Condition Codes ( CCC ) : Ensure proper coding for disputes, charge-offs, and late payments to avoid misleading reporting.
Product: Money transfer, virtual currency, or money service

Please see the attached documents involving fraud and scams with XXXX XXXX XXXX and Citizens Bank wiring money from my bank account. I've included the police report as well.