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

This company practices discrimination based on income. Specifically this company denies XXXX income as a basis of repayment. On numerous occasions in XXXX, XXXX, XXXX this company keeps claiming in its denial letter that I do not possess enough " Income and or work history '' also it claims I do not have sufficient education. 

My only sources of incomes are derived from XXXX and not from work. How would I possess work history at this current time? Furthermore after repeatedly submitting the application I am given the same reason. When I contacted the company they read off the same statement over and over. They even state on the bottom of the denial letter they DO NOT discriminate based on income. But here they are telling me I do not qualify based on my " Income and or work History ''. This company specifically practices Income Based Discrimination which is a violation of Federal Law.

Reason : We are unsure of your ability to repay the loan based on your current employment, education or work history.

Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with this law is the Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I keep trying to get equifax to either update or remove XXXX XXXX account ending in XXXX. Ive reported them multiple times and provided an ftc report and they refuse to do anything about it. Ive been trying to get this account off of my credit report for almost a month now. i reached out to XXXX XXXX  and the local branch manager even told me it is reporting inaccurately. it's showing late payments for XXXX, XXXX and XXXX and that is false. the local branch manager informed me that it should not have any late payments on it. i keep calling equifax, speaking to supervisors and getting different answers
Product: Student loan

In XX/XX/2023 I received a letter and claim form from Navient Student Loan settlement, XXXX XXXX Navient Solutions , LLC stating I am part of the settlement and I should receive approximately {$85000.00} in relief. When I contact Navient they state I am responsible for the loans I have and payments need to be made. Im even showing past due on one. Contacting them for clarification, they gave me out of date information and loan numbers that dont match what my documents even show. I contacted them once again and was told one of my loans is eligible. Amounts, dates and loan numbers are not consistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Proverbs XXXX verse XXXX : hear instruction and be wise and refuse it not. I am making a claim that The CREDIT AGENCIES XXXX AND TRANSUNION broke the law as well as XXXX XXXX! XXXX XXXX stated no credit freeze and personal statements were in place stating to contact the CONSUMER day or night with his direct phone number available before proceeding with any credit transactions due to a XXXX breach of the CONSUMERS NON PUBLIC PERSONAL INFORMATION and being a victim of ID THEFT. When the CREDITOR accepted the offer from XXXX XXXX and authorized and authenticated with his credit information/signature a financial asset to create an account for his PRINCIPLE DEBTOR to obtain credit he was faced with an ADVERSE ACTION, DISCRIMINATION DUE TO THIRD PARTY INFLUENCE AND DEFAMATION OF CHARACTER CLAIMING THE APPLICANT WAS NOT CREDIT WORTHY. My proof of claim for the willful noncompliance and willful negligence of the CREDIT AGENCIES XXXX AND TRANSUNION ALONG WITH XXXX XXXX to break FEDERAL CONSUMER LAW is the credit freeze statement on both TRANSUNION AND XXXX clearly and conspicuously stating to contact consumer before proceeding that XXXX XXXX stated several times no credit freeze was in place at the time of the consumer credit transaction. XXXX charging and seeking COMPENSATION for the violations against the consumer that was set forth by XXXX TRANSUNION AND XXXX XXXX. FEDERAL CONSUMER AND COMMERCIAL LAWS both were broken and unfair and deceptive business practices from THE CREDIT AGENCIES AND XXXX XXXX.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account MEDICAL DATA SYSTEMS XXXX  Opened XXXX XXXX, XXXX  with a Balance of {$320.00} was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Credit reporting or other personal consumer reports

I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Product: Debt collection

I received a voice mail from " XXXX '' from XXXX XXXX XXXX. Indicated that there is pending litigation and indicated they checked the DMV and they knew I had a car insured and registered to my home address and that I would be served.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX I called Equifax in regards to a mailing they sent me acknowledging I asked for a fraud alert and received it to my account. On the notice my name was incorrect. I called XXXX as furnished on my notice and when my call was answered the Equifax CSR on the phone was very confusing, but continued to ask for my full social security number. I told him I did not feel comfortable doing that and would give other confirming info as asked and the last four of my social security number. After, address, last four of social security number, DOB, phone number and name and spelling, the CSR said he could not find me. I told him the notice came to me in an incorrect name and what that was and he stated he still could not find me unless I gave all my social security number. My complaint- first I could hear very loudly in the background while on this phone with this CSR at Equifax all the CSR 's talking to other consumers, repeating loudly the information they were receiving to the point I could verify two identifiers for a consumer speaking to another CSR with in one minute. His social security number was repeated and his name spelled out loud. I conveyed this to the CSR on the phone and he took no action, told me it was secure, of which I replied I do not believe it is if I can hear others information being repeated just as my CSR kept repeating out loud my information to include spelling. This is a credit data company with all my information of years stored and being cared for in this way? Do they not get regulated and have safety protection protocols in place as to not allow this to happen? If a consumer points out hey can hear other info being discussed- how are they protecting mine? My PII was being said out loud just like those I could hear. I am discouraged at how lacking the professionalism and security is in this incident. A fraud alert seems a mute point if my and others information is just repeated out loud like we are sitting in a coffee shop! Resolution- Security, protocols, then accountability. Someone listen to the call. You will hear me calling the issue out- to the point I almost forgot I was calling in for the incorrect name on my mailing of fraud alert added to my account notification confirmation.
Product: Money transfer, virtual currency, or money service

I had an account with Wise ( formerly known as TransferWise ), a financial technology company that provides online money transfer services. As part of their services, Wise offers an interest feature that allows users to earn interest on their account balances. More information about this feature can be found here : XXXX XXXX XXXX I had accumulated {$1200.00} in my interest balance through this feature. Recently, Wise closed my account without prior notice or explanation. Upon processing the refund, they did not include my accumulated interest balance of {$1200.00}. 

I have made numerous attempts to resolve this issue by contacting Wise customer support through both phone and email. Unfortunately, customer support has been unable to provide any assistance. Each time I contacted them, I was told that someone would reach out to me to address the issue. However, no one has contacted me, and the problem remains unresolved. 

I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to recover my interest balance of {$1200.00}, which was unjustly excluded from the refund provided by Wise. 

Thank you for your attention to this matter.
Product: Debt collection

I received a phone call in XXXX and again today ( XX/XX/2018 ) from a man who said his name was XXXX XXXX from Critical Resolution Mediation at XXXX regarding a debt referred to them for collections, and if I did not contact him directly today to stop the action, delivery would be made to my residence and my employment on XX/XX/2018. He never said delivery of what, or what the debt is for. I do not have any outstanding debts. I have never received any notices, which makes sense since I have no bad debts. 

In XXXX I called the number back from a blocked number and a very rude woman answered. I asked for the name of their company as someone from their number had called me. She said if I didn't know who I was calling she sure as XXXX wasn't going to tell me XXXX. 

I looked the name of Critical Resolution Mediation up online, and they list a different phone number than the man who called me listed. Both show up a Georgia numbers/locations however. 

I will not be contacting them again. They are extremely threatening, a complete scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/1922 I received correspondence from PayPal about a credit card that was applied for on XXXX. I immediately called them to inform them that someone had applied for this card in my name and that it was fraud. PayPal informed me that they would be contacting the credit agencies to inform them that the inquire placed on my consumer file is fraud and it needs to be removed. They also stated that they opened a fraud dispute. As of today XXXX PayPal is still reporting this fraudulent inquiries on my consumer credit files. I reach out to them again last week and the agent stated that they needed to open a fraud dispute. I don't understand why they are telling me that they are opening a fraud dispute again if one was suppose to have been opened on XX/XX/XXXX when I called them.
Product: Credit reporting or other personal consumer reports

Again on XX/XX/XXXX my XXXX score plummeted XXXX points for no unknown reason. No derogatory info on my file?
Product: Debt collection

i have sent copies of my XXXX XXXX XXXX to i c systems and the credtor is XXXX XXXX XXXX XXXX  for XXXX which is 100 % paid for by the XXXX XXXX  and i have sent them everything and they still won't take it off my credit report and it was opened on XX/XX/XXXX XXXXand it was reported on XX/XX/XXXX i need it taken off my XXXX credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Account number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 credit bureaus, the information is inaccurate. There are 2 different high balances reporting, 2 different open dates, missing closed dates on a collection account, 3 different last payment dates. These are all violations under the FCRA, please delete this account. 

XXXX/Account number : XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. Between all 3 bureaus, there are 3 different high balance dates, 3 different dates of last activity, 2 different open dates, 2 bureaus are missing a closed date on a collection account. These are all violations under the FCRA, please delete this account. 

XXXX/Account # XXXX This company is reporting inaccurate information on my credit report. It's also a direct violation of my rights under the FCRA. There are 2 different high balances between the credit bureaus, 3 different dates of last activity, 2 different open dates, missing closed dates, 2 different last payment dates. 

Also, XXXX  sold the debt to XXXX XXXX XXXX who is reporting the same exact inaccurate information. All of this is a violation and needs to be deleted.
Product: Debt collection

I have no knowledge of this account nor did I sign anything for this account please review and delete it from my credit report.. Ive tried everything to report this is not my account and no one is listening ...
Product: Credit reporting or other personal consumer reports

XXXX did not respond to my recent dispute letter. I am requesting validation of the account
Product: Credit reporting or other personal consumer reports

On XX/XX/2025 I attempted to contact MOHELA regarding my student loan being reported TWICE on my credit report. 
I was unsuccessful in reaching MOHELA. Unfortunately MOHELA has a 3 hour wait time to speak with a customer service agent and they do not respond to email correspondence.

My credit is impacted due to my balance being DOUBLED.

{$56000.00} has been reported TWICE to all 3 credit bureaus, giving me an incorrect total of {$110000.00} being owed. 
This is a significant difference and is damaging to my credit health. 
Please correct immediately. 
I also submitted a dispute with XXXX on XXXX, 2025 with the dispute number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like this statement placed on all three of my credit report. This is a statement regarding Equifax.
Product: Credit card or prepaid card

my card was showing XXXX  message at the pump at XXXX  is is a logo card for the wholesale store and is a membership card and a credit card through comenity capital bank. I called the XXXX # on the card several times starting XX/XX/XXXX. They said it was a system issue and should be resolved. I called again on the XXXX and they said it will be resolved on the XXXX,,, i tried again and it still didnt work same XXXX message. Both times the attendant at the gas pump said i must not have paid my bill. Each time i call they sauy there is nothing they cand do. I asked to have a Super call me and instead had to wait XXXX minutes since they dont make outbound calls. I called again on the XXXX and was told there is nothing they can do, In the meantime, it cost me an add'l XXXX per gallon at the XXXX XXXXs pump and I have to use another card. I shouldn't have to pay a fee for this abuse. And they should make it up to me for the loos of time and money this inconvenience has caused. As i write the card is still not fixed. And they say don't worry you are not the only customer impacted there are lots... .this is unacceptable
Product: Credit reporting or other personal consumer reports

I was trying to refinance the loan which they approve but they kept putting it back and putting it back and so it wasn't getting done on time when they approved it. So then they start saying that it was late when we were in the process of refinancing it. So it was not my fault that it was late when I was doing what I was supposed to do. They were the ones that were taking their time getting it done
Product: Checking or savings account

Opened a checking account on XX/XX/XXXX with a {$300.00} sign up bonus. Met the terms of the bonus and never received the {$300.00}. I've called US Bank 16 times over the last 3 months and spoken to 7 managers. They ALL agreed that I met the requirements of the sign up bonus but said there was nothing they could do to help and no further way to escalate the issue. 
I've recorded most of the phone calls including the one where I opened the account with a US Bank representative over the phone.
Product: Mortgage

I was on the Covid forbearance with my mortgage servicer. They had assured me that at the end of the forbearance, I would be able to continue making my payments ; and my missed payments would be placed in the rear of the loan. 

My mortgage servicer, Flagstar Bank, is not allowing me this option as they have declined the loss mitigation application. I was never informed that this would be something I would have to qualify for in the first place. The forbearance repayment process that was told me is now not applicable to me according the the servicer. They want my property because I have equity ; and will not work with me on repayment.
Product: Debt collection

Both accounts were closed and charged off in 2015. 

Amount owed for both accounts has increased multiple times, and accounts have been reported as new delinquency on an annual basis, resetting the clock. 

The original creditor can not validate the amount owed/charged off. The collection agency is unreachable by phone.