23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In  XXXX   XXXX , Frontline Financial , LLC pre-qualified me for an FHA loan. I had previously spoken to another mortgage broker who told me I would be unable to use rental income from my current condominium, but  XXXX   XXXX  assured me that they would be able to include this. I asked him to check on this, and was under the impression that this had been done.  <P/> When I found a house in  XXXX   XXXX , Frontline Financial , LLC provided a pre-approval letter to accompany my offer. My offer was accepted, and a closing date was set for  XXXX / XXXX / XXXX . During the period from  XXXX  through  XXXX / XXXX / XXXX , I continued the buying process, obtaining the appraisal and an inspection, as well as an insurance quote and home warranty, all while receiving updated loan documents from Frontline Financial , LLC with every new piece of verified information, and the assurance that all was fine, and we should be able to close by the scheduled date.  <P/> My deadline for withdrawing from the contract was  XXXX  days prior to closing, as clearly stated in my contract, which Frontline Financial , LLC had been provided a copy of when the offer was accepted. However, it was not until the day of closing -   XXXX   that Frontline Financial , LLC verified whether or not I actually met all requirements the FHA loan. At this time, they found that in order to use the rental income from the home one is moving out of, one must move at least  XXXX  miles. The new property is only  XXXX  miles from my current home. With this information, they denied my application for a loan. Clearly as a lender, they should know all requirements for the loans they propose to clients, and not wait until last minute to check if there are any changes. Their error in this instance caused me not only to lose the property, but also portions of my deposit, in addition to spending unnecessary monies on an inspection and appraisal of a property I could not afford without an FHA loan.   I notified Frontline Financial , LLC of my loss of portions of the deposit due to their error, and have requested reimbursement of the funds lost ; however, they have chosen to not take any responsibility, and is now stating their decision was based on my credit, which they clearly should have been aware of before presenting me with a loan offer and a pre-approval letter.   I find this to be such gross negligence on their part, and want to ensure they do not repeat this process with other potential buyers.
Product: Credit reporting or other personal consumer reports

I have some credit card accounts that are fraudulent I submitted a FTC report and identification and letter asking that these accounts be removed Discover # XXXX. XXXX XXXX XXXX XXXX # XXXX amount XXXX
Product: Vehicle loan or lease

WESTLAKE FINANCIAL IS LYING TO THE CFPB AND STATING THEY ARE NOT FALSELY AND FRAUDULENTLY REPORTING AN ILLEGAL ITEM ON MY CREDIT REPORT. WESTLAKE IS ILLEGALLY FALSELY AND FRAUDULENTLY REPORTING AN ILLEGAL ITEM ON MY CREDIT REPORT THAT IS NOT MINE IS FALSE AND FRAUDULANT. I DO NOT OWE WESTLAKE ANY MONEY AND NEVER HAVE. WESTLAKE IS VIOLATING INTERSTAE AND FEDERAL LAW AND HAS BEEN REPORTEED TO THE DC TEXAS AND CALIFORIA ATTORNEY GNERAL. REMOVE THIS FALSE FRUADULANT ILLEGAL ITEM ON MY CREDIT REPORT IMMEDITALY!! WESTLAKE IS LYING TO FEDERAL AND STATE LAW ENFORCEMENT THAT THEY CAN NOT ASSIST WITH THIS ILLEGAL FRAUDULANT ITEM ON MY CREDIT REPORT! REMOVE IT IMMEDIATELY!! 

PLEASE SEE THIS FALSE ITEM ON MY XXXX AND XXXX XXXX REPORTS FALSE FRAUDULANT AND ILLEGAL!! 

4.15 WESTLAKE SERVICE INC ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXXXXXX Reported Balance {$0.00} Account Status CHARGE_OFF Available Credit The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX XXXX Paid on Time 30 30 Days Past Due 60 60 Days Past Due 90 90 Days Past Due 120 120 Days Past Due 150 150 Days Past Due 180 180 Days Past Due V Voluntary Surrender F Foreclosure C Collection Account CO Charge-Off B Included in Bankruptcy R Repossession TN Too New to Rate No Data Available Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$24000.00} Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT XXXX XXXX | XXXX XXXX, XXXX Page 50 of 69 Terms Frequency MONTHLY Term XXXX XXXX Balance {$0.00} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount {$660.00} Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount Months Reviewed 26 Delinquency First Reported XX/XX/XXXX Activity Designator TRANSFER_OR_SOLD Creditor Classification AUTOMOTIVE Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Payday loan, title loan, or personal loan

Plaza Services of XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX I do not have an account with this company. Plaza Services have been sending me collection notices in the amount of $ XXXXThe collection has been reported as a past due balance. I do not owe this company. I have never done business with this company. This company does not have a contract with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted several letters disputing inquires in my credit, there are still there 1.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX DE XXXX BYMAILONLY 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX
Product: Debt collection

First, some of your choices did not apply to my problem. I only selected them so I could proceed.     The first paragraph below is my first contact with the  XXXX  of Ohio  XXXX . General regarding GC  XXXX   XXXX  Partnership/Gulf coast Services/ Operations Division. They in turn, contacted them about my complaint. I have attached a copy or their atty 's response. Below  is a summary of my problem : FAIR DEBT COLLECTION PRACTICES ACT. I have student loans. Through a collection agency I made arrangements for pmt in  XXXX   XXXX  and was assured by employee, that I was not certified for my tax refund to be taken. It was. On  XXXX  the agency mgr said he would listen to recorded ph calls & get back to be by  XXXX . He did not and will not respond to my calls.   To me, this deceitfulness regarding the offset and the refusal of the mgr to return my call is a blatant violation. In return, the atty said he has been disciplined. You do n't discipline someone of they are NOT GUILTY! Please review the attachment.     In addition to the above matter, my initial contact with the agency was with agent  XXXX   XXXX . We did not have a congenial conversation and when she hung up, she called me back and called me a  XXXX . I suspect it was on her personal phone, and so it ca n't be proven. However, I believe it was on  XXXX   XXXX ,  XXXX  about  XXXX . Those calls could be listened to. I had also told Mgr.  XXXX   XXXX  about this in my conversation with him on  XXXX   XXXX ,  XXXX . I 'm confident this was covered up as well.     I look forward to your response.      XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received multiple emails from Bank of America stating that XXXX ) an application to open a bank account was was in progress, XXXX ) welcoming me to online banking XXXX ) asking me to verify my email address XXXX ) that my application was approved. I did not open a new bank account and did not authorize. XXXX of the emails contained a confirmation number, and another included the ending digits of an account number. I called customer service, and they stated they didnt see anything on their end, but these emails seem very legitimate. I forwarded the emails to BOAs abuse department and have not heard anything since.
Product: Credit card

I put in my application for credit with Discover on application ID XXXX. 
On XX/XX/XXXX, it was denied for the reason of 'STATUS OF EXISTING / /PRIOR DISCOVER CARD ACCOUNT ' I called Credit operations on the provided XXXX on the denial letter and though XXXX ; XXXX ; XXXX and finally XXXX all forwarded my request for information to each other, all I could get was 'your prior account was revoked ' ; when I asked why, no answer was provided. XXXX then provided a new number XXXX. That number is not accessible as of the time of this complaint. 
I suspect given I had previously reported Discover ( XX/XX/XXXX ) to CFPB for wrongful action on my account, I was 'blacklisted ', my account-fully paid-revoked and wrongfully denied future credit requests as retaliation. I suspect this because the same document denying me credit has my XXXX score at single digits from XXXX. 
Help me figure out why my account ending in XXXX was REVOKED as I never requested closure given its effect on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

personal information incorrect on credit report see attached.
Product: Credit reporting or other personal consumer reports

Equifax, Credit reporting Agency has verified my identity on a recorded call for verification of the consumer file, but as of XX/XX/XXXX sent a letter requesting a copy of my social security card and drivers license be provided to dispute an account. This is illegal as pursuant to the Privacy Act of XXXX. My non-public personal information is not to be provided to non-governmental entities. A social security number is and does not need to be provided to dispute an account. I am reporting Equifax to the CFPB for these illegal practices. A consumer under the FCRA has the right to dispute anything within a credit file for him/herself. A copy of your social and drivers license is not a form of verifying your identity, GRAMM-LEACH-Bliley Act XXXX ( 15 U.S.C 6801 ) PROTECTION OF NON-PUBLIC PERSONAL INFORMATION. I ask that Equifax completes the investigation of the dispute account, XXXX XXXX XXXXXXXX and remove the account pursuant to several inaccuracies. 
( XXXX ) THE ACCOUNT ADDRESS DOES NOT MATCH ANY ADDRESS ON THE CREDIT FILE. 
( XXXX ) IF AN ACCOUNT HAS BEEN CHARGED OFF THAT MEANS IT IS A CERTIFICATE OF INDEBTEDNESS WHICH MEANS IT IS INCOME, INCOME CAN NOT BE REPORTED ON A CONSUMER REPORT. ( XXXX ) THE COLLECTION AGENCY ACCOUNT ( Eastern Account System ) HAS NOT PROVIDED A DEBT VALIDATION LETTER MANDATED BY THE FCRA, A DEBT COLLECTOR MUST SEND A LETTER WITHIN 5 DAYS OF CONTACTING THE CONSUMER, IT SHOULD INCLUDE THE NAME AND AMOUNT OWED, STATES WHAT IS NEEDED TO BE PAID AND THAT A CONSUMER CAN DISPUTE THE DEBT AND THAT THE CONSUMER WOULD HAVE 30 DAYS TO DISPUTE AND REQUEST WRITTEN EVIDENCE OF THE DEBT. XXXX XXXX XXXX ( collection Agency ) has not sent the validation of debt letter. Pursuant to the FCRA 1006.34 NOTICE FOR VALIDATION OF DEBTS. It is law that the initial communication be initiated first before furnishing the consumer report. If this is not provided the collection agency can not furnish a report. All of this information has also been reported to the FTC report # XXXX, regarding my personal information being provided without my consent and highlights more information regarding the account.
Product: Credit reporting or other personal consumer reports

According to Section 609 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The outdated address listed in my file do not accurately reflect my current or historical information and needs to be removed immediately. MeiXXXX did not properly follow up with the investigation. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This matter aligns with my situation! MeiXXXX has not attempted to remove, nor correct any information. I am requesting this derogatory remark to be removed or corrected immediately as it is affecting my chances of getting approved for various of things. MeiXXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting

I disputed late payments with Transunion, submitted proof to them directly from the company that my payments were not late and Transunion has repeatedly refused to update my credit file to!!
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 violate the Consumer Financial Protection 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 dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
Product: Credit card

XX/XX/year> - I searched for flights online and found which I wanted. When I went to Capital One Travel, all of the prices for the same flights were higher. When I called Capital One, they transferred me to XXXX. XXXX said there was nothing to be done. When I asked for the call center representative 's name, she said she could not give it to me. When I asked for a case number, she said she could not give it to me. When I asked for a supervisor, she put me on hold until I was redirected to a feedback auto message.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of an account and several inquiries from my credit report due to being a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that accounts resulting from identity theft or data breaches be blocked and deleted from my credit history. 
The following account is to be addressed : Unauthorized Account : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$320.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewedit. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate theseaccounts ( A ). It is not permissible to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the time frame specified by law. My creditreport includes the following erroneous information that needs to be investigated andcorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This new complaint is in reference to my previous complaint that was closed due to the companie response. Consumer Complaint No. : XXXX. I was instructed to reach out to the cashapp support team due to them not being able to continue on the investigation because they couldnt verify my idenity. I reached out to the support team and they was unable able to assist me. I havent received a phone call, email or anything from cashapp. If youre having a hard time verifying my identity then there should be an option for me to verify my identity as stated in the letter that was sent to me. Cashapp isnt following protocol and a through investigation has not been done on this account.
Product: Checking or savings account

Not able to access to my online banking. 
XXXX locked. 
Online Banking Acess Locked. 
Called Chase Bank Many Times more than 3 hours of my time. Still Not solved. 
Keep routing to Fraud Department in XXXX  Nothing Solved. Security questions not sufficient. Even I never lived they will ask me how many years I lived. None but failed. Asking My XXXX 's birthday even I divorce about 20 years ago. Last work. Keep failing. I have to keep calling once it fails. The banks, financial institutions, using XXXX and XXXX to rerout for the customer service, and experiencing all ways a problem Some refuses to transfer to Supervisor in the US. Some never do.
Product: Debt collection

This company stated in response to my dispute on  XXXX  -2017 that t hey do n't have information for me in their system. I provided everything shown on my report as far as account number as again this company has not sent anything in the mail regarding this so called debt. I will not provide my social as using the partial account number and name should bring up something. Since they admitted they ca n't find me they need to remove from my credit reports.
Product: Debt collection

2013 XXXX insurance paid off the total damaged vehicle. A representative called and said I had a balance that the insurance did not cover, she began to say if I don't pay It, then it would be reported on my credit as a repo, and damage my credit. I told her I shouldn't have to pay when the insurance paid the vehicle off. So with her saying they will report to my credit I said I can make payments. The company never sent me nothing in the mail of a balance or payments made. I explained to her I need something in writing before I can continue to send my money, as promised I didn't get it. So I looked on credit karma and behold its on my report of {$1300.00} showing charged off, bad debt, repo. I disputed then the balance change with payments made here and there up until this year which is a lie. I never heard from this people or received any documentations. I stopped sending my money after seeing the bad reporting on my credit with XXXX  and XXXX. I continue to dispute and still negative reporting. This is not fair to the consumer. This company has lied and reported false information on my credit report, and it should be deleted. Very fraudulent!
Product: Credit card or prepaid card

Hello, and thank you for your consideration in this matter. My name is XXXX XXXX and I have been a satisfied customer with American Express until now. I applied for a credit line increase on my XXXX XXXX credit card, and was denied. The letter that I received contained a few reasons why I was denied, but I was surprised by the first listed reason : " Your consumer credit report indicates your payment history has been unsatisfactory. '' Knowing this to be false, I reached out to the Chairman 's Office at American Express via email on XX/XX/2020, inquiring why this reason was listed on my denial letter. 

I was contacted by XXXX at the Executive Office at American Express at XXXX XXXX on XX/XX/XXXX, and she mentioned two things. Firstly, that based on what she could see using in-house information, my payment history has been fine with American Express. Secondly, she insisted this information was there because of information American Express received from my XX/XX/XXXX credit report. I checked my XX/XX/XXXX credit report, and there is no mention whatsoever of an unsatisfactory payment history anywhere in this report. This could very well be a simple mistake, but at this point, American Express seems quite certain my credit report is giving this information. This leads me to believe that this reason is appearing on my report fraudulently. 

I will send the XX/XX/XXXX letter and my XX/XX/XXXX credit report dated XX/XX/2020. I hope to hear from your office soon.
Product: Debt collection

I was never late... XXXX made an error with my address and sent the statement to the wrong address. They said they would remove the negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
Product: Credit card or prepaid card

XXXX XXXX, XXXX I made a purchase at Victoria secret and the store associate told me that if I sign up for the card I would receive a discount but nowhere did she tell me that the items would be charged on the credit card all this time I thought I paid for it with my debit card and decided to close the account before they could charge me for just having it but then I start receiving calls and I finally picked up in last week of XXXX and that 's when they told me that there was a charge on the credit card from Victoria secret and since I have n't paid it there has been late fees and I told them that there was a mistake because they failed to mention that the items would be charged on the credit card and the customer service refused to help me and since I work at a school and I do n't work summer I have no way of paying it yet but when I called again to see if I can dispute it the guy says why do n't I get a job and asking me how do I pay my other bills, they need to be fired.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I check my credit report those account violate my right I never deal or sign any document With those company In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, those accounts for XXXX XXXX and Experian. Account that need to be deleted and investigate XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX XXXXXXXX XXXX, I do not have any account or business with those information or
Product: Debt collection

Received in the mail a notification and offer to reduce amount owed to XXXX as a reduced balance opportunity. I never had a XXXX account.