23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, In the last 2 months, I have been looking to get a mortgage form the XXXX banks where I have an account : XXXX and First Republic Bank. After giving them all my datas and explanations ( down payment of $ XXXX- {$100000.00}, I have no debt, no school loan or such, good credit score, have been working with the same employer for the last 12 years, work contract signed for next year, letter from my Human Ressources ), etc ..., they still told me that I could n't qualify for a mortgage ( i 'm looking at a {$300000.00} loan ), because I 'm currently on a XXXX and therefore not receiving any paycheck. I told them that I felt discriminate and it 's the case. 
After some research online, I found a recent article concerning that discrimination : XXXX Again, I believe that none of the reasons they gave me make sense. Right now my rent is more expensive than if I had a mortgage to pay. Why would they let one of their client to pay a rent more expensive than a mortgage. Not very customer oriented for a bank. 

Please let me know if you have any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB - CARD SERVICE XXXX
Product: Mortgage

Buyer Refund check was issued to me, when home was purchased, it was never cashed. Was stored in box with original paperwork and just recently located. Want check reissued. Money should still be owed to me. Thanks
Product: Credit reporting or other personal consumer reports

CITICARDS CBNA ACCOUNT # XXXX REPORTED XXXX DAYS LATE, ON XX/XX/2022. 


In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Thank you.
Product: Credit reporting or other personal consumer reports

Today date XX/XX/XXXX My name is XXXX XXXX I ask this account to be removed and deleted from my credit report 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

XXXX XXXX XXXXXXXX. 
Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured LOC Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Highest balance $ 3 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

On last month I made a payment of XXXX to XXXX XXXX XXXX to renegotiate my contract and make my account active again, but they have failed to update the terms and credit information
Product: Credit card or prepaid card

On XX/XX/21 I called Capital One credit card customer service to request a waiver on the past due fees billed on XX/XX/21. 
I asked them if they could credit one-time the {$29.00} for past due fees billed. I missed the payment on XX/XX/21. 

I spoke to a representative and she told me that the system did not allow her to credit the {$29.00}. I asked for a supervisor and he told me the same thing. The system did not allow him to credit it. 

I have checked my statements for the past 15 months and I have not missed a payment and not billed a past due fee. 

I understand the companies can issue a one-time credit for the late fees. 

What I don't understand is that they couldn't explain why they couldn't credit the late fee. They just kept telling me the system would not allow them. There has to be a better explanation such as I was granted a waiver before. 

I would like for Capital One to credit the late fees and provide a comprehensive explanation as to why they denied me the credit when I called. The system did not allow them is an excuse which a company should not be allowed to give to their customers. 

Thank you.
Product: Debt collection

Charges were disputed as I should not have been held personally liable for a business transaction. Since I am being held personally liable, the lease in question falls under the Servicemembers Civil Relief Act the remainder of the lease should be canceled due to the receipt of orders that force me to move from the area. This means I do not owe the debt. The orders and the lease are attached for review.
Product: Money transfer, virtual currency, or money service

I've been trying to go in and out of my blockchain wallet and I have not been able to since about the XXXX or XXXX of XXXX I just recently moved a large sum of XXXX into my wallet and I'm having a lot of trouble accessing it
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed accounts : XXXX. XXXX XXXX XXXX XXXX Open Date [ XX/XX/year> ] XXXX. XXXX XXXX  XXXX Open Date [ XX/XX/year> ]
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I contacted all 3 bureau on XX/XX/XXXX Transunion, Equifax, Exprian asking them to correct my credit report, stating FCRA 611 ( 15 U.S.C. 1681i. I requested that the following items be removed : Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion EXPERIAN XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian DEPT OF ED XX/XX/XXXX TransUnion XXXX XXXX NA XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

I am writing to formally request a reinvestigation of late payment notations on my account CAPITAL ONE # XXXX, referenced above, which were previously confirmed by your institution in response to a dispute initiated with the credit reporting agencies. The dates of the reported late payments are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I respectfully request that the company reinvestigate these late payment entries under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly focusing on the following : Accuracy and Completeness of Reporting - Under FCRA Section 611 ( a ), consumers have the right to request a reinvestigation of information on their credit reports. You are required to ensure that the information provided is accurate and verifiable, especially in light of FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that furnishers of information must not report information that they know or have reasonable cause to believe is inaccurate. Furthermore, under FCRA Section 611 ( a ) ( 5 ) ( A ), any unverifiable or inaccurate information must be corrected or deleted within 30 days of receipt of this reinvestigation request.

Reasonable Investigation Procedures- As outlined in FCRA Section 623 ( b ) ( 1 ), furnishers of information are required to conduct a reasonable investigation of disputes and must report the results to the consumer reporting agencies. If your records do not fully substantiate the late payment entries, these must be corrected and removed from my account and updated with the credit bureaus. 
Validation of Billing Practices - Additionally, I request validation of compliance with 15 U.S.C. 1666 ( b ) concerning the timely mailing of periodic billing statements. It is my understanding that billing statements must be delivered not later than 21 days before the payment due date, per the Truth in Lending Act ( TILA ). I kindly ask that you provide documentation evidencing compliance with this requirement for the dates in question.

Procedures to Ensure Accuracy - Per 15 U.S.C. 1681e ( b ), consumer reporting agencies and furnishers are obligated to maintain reasonable procedures to ensure the maximum possible accuracy of the information being reported. I am requesting an explanation of the procedures your institution follows to guarantee the accuracy of the late payments reported to the credit bureaus. 
Please provide a detailed response regarding your findings, including copies of all documents used to verify the late payments and the procedures followed during the reinvestigation.
Product: Payday loan, title loan, or personal loan

One Main Financial : ( We have noticed that your recent payments have not been the full contraual amount and have also been made on different days monthly ) My response : I have made the payment due amount on or about the due payment time, this amount shows on the app as the amount due without the option to pay the contractual amount or lose interest and principal normal credited amounts? 
It is misleading to show a customer the amount due and then credit less principal and interest because of the payment you supplied the client without disclosing they lose principal and gain interest? Very misleading.
Product: Vehicle loan or lease

On or about XX/XX/2021 I received a billing statement from US BANK alleging I owe a debt in the amount of {$63000.00}. On or about XXXX XXXX I responded to US BANKs billing statement by sending out 5 items. 1. A formal letter requesting recession pursuant to TILA 15 USC XXXX and requesting my privacy be respected by removing my personal information from their company and all affiliates pursuant to FDCPA 15 USC XXXX 2. A NOTICE DEMAND TO RESCIND AND CANCEL AUTO LOAN pursuant to TILA 15 USC XXXX. 3. An AFFIDAVIT OF TRUTH asserting certain factual allegations. 4. A DEBT VALIDATION LETTER with an attached CEASE AND DESIST LETTER asking US BANK to cease and desist all communications with me until the debt was validated pursuant to all information requested and outlined in the letters. 5. A carbon copy of what I sent to XXXX XXXX as a notice to them of the status of this alleged loan. On or about XX/XX/2021. I received a response letter dated XX/XX/2021. The letter addressed the cease and desist issue but however failed to : 1. rescind the auto loan pursuant to the procedure outlined in the TILA 15 USC XXXX. 2. Validate the debt pursuant to my request in the debt validation letter and the FDCPA 15 USC XXXX. 3. Rebut any factual allegations alleged in my affidavit of truth. On or about XX/XX/XXXX I received a loan statement dated XX/XX/XXXX in violation of the cease and desist. On or aboutXX/XX/XXXX I sent out 3 items to US BANK 1. A NOTICE OF DEFAULT OPPORTUNITY TO CURE giving US BANK one more opportunity to respond accordingly to all previous sent requests and affidavit of truth. 2. A new AFFIDAVIT OF TRUTH listing all TILA and FDCPA violations that US BANK are liable for. 3. A invoice requesting payment for all violations listed in the affidavit of truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C. 1681 FCRA section 602 ( a ) states I have the right to accuracy in reporting. 15 U.S.C. 1681b-a section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) 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, they may only report crimes not debts which antedates the report by more than 7 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three XXXX XXXX filings on my credit report that should not be there.
Product: Debt collection

Continued attempts to collect debt not owed. The original creditor states that my complaint does not belong to them. I never received prior written notification of this debt giving me a right to dispute this debt. I have reason to believe that this debt is tied to an address I never lived at. The law states that you must report accurate information and give me written notification in which you did not do. I never received written notification because you do not have a valid and accurate address for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to opt of LexisNexis reporting via the online opt-out form XXXX XXXX XXXX. As of XX/XX/XXXX I have not received confirmation that my request has been processed. It has been 41 days since the request was submitted, well over the 30 day SLA promised by LexisNexis. See attached photo showing confirmation that my request was received by LexisNexis on XX/XX/XXXX.
Product: Consumer Loan

Hello, My name is XXXX XXXX and recently I received a large envelope from DISCOVER with a card inside saying " PROOF '' and inviting me to apply for a personal loan " Because of my Excellent Credit record '' ( see attached copy ) but when I applied on the internet, I received a deny note! 
This is wrong to try to get all my personal info by pretending that they know about my credit history and convince me that I will get the loan if I apply and then they deny me. 
This also could damage my credit score. and I do n't appreciate that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2020 {$110.00} Haven't taken any action yet but I will soon talk to a lawyer if this is not resolved.
Product: Debt collection

I was getting calls continuously about a debt I have no idea what it is! Now they dinged my credit I Never received anything in the mail from them, about What, Where, When, or what company I owe!
Product: Checking or savings account

Im fraudulently against fraud! Moneys been stolen from me and I had many charges to dispute from Wells Fargo! After alerting my bank against fraud they refuse to recover the stolen funds! The bank Wells Fargo does not give me my money back! Ive provided all the possible information and evidence I could to!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mistakenly reported a late payment on my account that was opened on XX/XX/2010. I have never once been late on that account or any other account i have. My credit score was XXXX and this one item that they refuse to correct dropped my score from " Exceptional '' to " Good '' which means higher interest rates when i got to get any form of credit. This is ridiculous for someone that has no historical late payments, has paid off three mortgages and 6 vehicles in the last 10 years alone and carries low balances on cards with high credit limits. XXXX refuses to fix the error and XXXX also has refused to fix it saying that its a computer generated response based on their scoring and what XXXX submitted. XXXX says they can not fix it and to call the credit bureaus. Its a ridiculous circular vacuum where no one does anything to fix the issue. 

To make the whole matter worse, now XXXX is reporting the same card twice to make my credit appear even lower. 

There is no way that a private company that charges to improve your credit should be allowed to exist and charge consumers to try to " boost '' their credit when they are misreporting it on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

the bankruptcy on file has been  discharged  but they wo n't verify it keep telling me they verified through a third party but has no information on status refuses to verifie it through the court
Product: Checking or savings account

This is a continuation of complaint # XXXX. Discover Bank responded by resiting its deposit agreement, never addressed the fact that they did not properly notify me of the illegal garnishment by the state of California. Since the state of California did not have a right to levy my account ( They failed to identify an ID theft case where somebody else filed a tax return using some of my information ) and Discover Bank failed to properly notify me about said levy, I hold this transaction to be illegal, and demand that Discover Bank recover the funds on my behalf before I bring this issue to court.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXXXXXX  Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : Equifax XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

I founded some unhauthorize hard inquiry in my credit report in I want them to remove it