23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/XXXX my wife and I began the process of obtaining a mortgage for a four plex apartment building we planned to purchase. In the process of applying for the loan the loan officer filled out the application by doing an interview in person and by phone conversations with me. When we received the loan application to sign we discovered that some of the info was incorrect. Even after we tried to correct the info some remained incorrect. 
On XX/XX/XXXX or about a purchase agreement between buyers and sellers was submitted to US Bank and this started the application process. The purchase agreement contained all of the questions normally asked by a lender for obtaining a mortgage in Minnesota, however by XX/XX/XXXX US Bank requested that the seller complete a Seller 's Property Disclosure Statement. This was don and submitted to the bank by XX/XX/XXXX. 
Because of the repeated requests by US Bank for additional information that always seemed to be information we had already provided, I asked the loan officer and loan processor if they would tell me if they could n't or would n't write this loan. Their response was that they wanted to write the mortgage. 
Every time we provided documentation they requested, they would ask for something different. It was now XX/XX/XXXX. Because of tax liabilities my wife and I could no longer assume that we would be able to close the mortgage before the end of the year, and it became impossible to satisfy the requirements of US Bank. 
To protect ourselves we purchased the property on a contract for deed, and waited to hear from US Bank as to why it was so difficult to close this mortgage. 
I spoke with a number of leaders of the mortgage department, they were very polite and asked many questions. At the end of the conversations they promised to get back to us. 
On XX/XX/XXXX my spouse and I both received letters of denial from US Bank. These letters stated that there was not enough collateral for the loan. This is absolutely not the response we expected because that is a false and deceptive statement. We believe we were denied for some other reason, probably discriminatory. 
We have all the documentation for all contact we had with the bank including emails and texts. We believe that US Bank is being deceptive about the reasons for the denial and we believe they have broken the mortgage credit laws by this denial.
Product: Credit card or prepaid card

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I contacted Bright Lending to verify through a three-way call to my financial institution that my loan had posted and paid in full. 
The agent ( XXXX ) noted the account and proceeded to update my account at Bright Lending so that I may take out a new loan. 
( This would be my fifth loan as I have paid in full, four previous loans since XX/XX/XXXX ). 
I was told to proceed online and call them if I had any questions or issues. 
Upon submitting " Complete My Application '' I was given a screen result of : Please email your Driver Licence, State ID or Passport and email to support@brightlending.com '' before being able to move forward with the application. 
I called Bright Lending ( BL ) once again and was told by a Supervisor that [ due to the coronavirus, we are asking for this form of ID in order to proceed with our returning customers ]. I asked what the privacy disclosures were given that the prior agent that I spoke to did not disclose this information neither is it expressly stated on your website. I also asked : How can you assure me of my identity being safeguarded if you have agents that are working remotely from home? The response was [ Your email gets sent to a department within their " tribal facility '' .... somewhere of which I was not made aware through an Agent 's Name/Supervisor or direct phone number extension. 
Thirdly, I asked : Do you use encryption methods on your email or site for that matter that will safeguard my identity? I was not given any further details other than I do not know and I would have to further ask another department/supervisor for this information. [ sic ] Now, the danger of this deceptive practice is : The customer is giving consent to not being assured that their identity is not being viewed by others, disseminated for unwanted third-party telemarketing or selling of your information and most importantly, that your information is being harvested by any employees and affiliates on the internet. I was told that my ID can stay on their records for 5-7 years. I believe Bright Lending is engaging in illegal business practices that are not being told/informed in a Truthful manner. There is a very fine print in which they state they do not guarantee that your privacy is completely private. However, not stating nor informing their so-called Covid-related business practice has to be a violation of my privacy and consumer rights. At XXXX XXXX  XX/XX/XXXX PST, I have finally received an email from BL, that my application for a loan has been withdrawn. However, I still believe this business engages in deceitful business practice at the expense of one 's personal and confidential identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX. My identity was stolen. A notarized Identity theft Affidavit proving it is me that submitted this report. I have provided proof of my ID Identity theft report from the Federal Trade Commission. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a Capital One credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called Capital One and all 3 bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!
Product: Credit card or prepaid card

Credit karma telling me i was approved for credit card and when I apply I was denied and car loans and personal loans making my credit score have hard inquiry making my score go up
Product: Debt collection

I received a telephone call from a company called Portfolio Recovery Services indicating that I owe over {$200.00} that they are trying to collect from me for a debt from XXXX. They insisted that I provide my address, and social security number for them to discuss this debt collection any further. This debt occurred in 2019 according to their records. They indicated that I previously lived at an address that was incorrect so that I could verify my current and past addresses. Approximately 1- 1/2 years ago someone informed me that my XXXX account was delinquent and I responded to an email address and provided personal information including my mothers maiden name. I realized afterwards that it was a phishing attempt.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

After working extremely hard to fix my credit for years and busting my XXXX to make money I finally had the chance to apply for a Chase credit card. After I filled out my most recent application on XX/XX/XXXX they requested documents on my income. I uploaded documents of my accounts and never heard anything back. I called a couple times to get updates but finally on XX/XX/XXXX I was able to get some information. Everything I sent them wasn't good enough. The money is there and the income is there. I have offered to send them anything they need but nothing I offer is good enough. They are asking where the money is coming from and I tell them over and over the money comes from options trading and stock investments. All of the information is in my accounts. I have offered to send them detailed information of all of my buying and selling but they say no, you need tax returns. I will not have tax information for months and they know this. Every piece of information I offer them isn't good enough. This is insane. I am being discriminated against. They know exactly what to ask for that people can not get. They are professionals at discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Owed : {$470.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

Around XXXX of XXXX, I opened a XXXX checking account with Citibank. The reason why I opened the account was because they were running a promotion for new customers who opened an account. The promo was for XXXX XXXX XXXX miles if you opened a checking account and met the requirements. The requirements were to : 1. Use the debit card associated with the account for {$1000.00} or more. and 2. Do at least one bill payment on the account for two consecutive months.I opened the account, verified with the representative that the offer would apply to my account and she confirmed it was applied. I fulfilled the requirements and messaged Citibank securely to confirm I met the requirements. I received a response confirming I met the requirements and to wait 90 days after the month I had met the requirements. They gave me a date of XXXX/XXXX/XXXX as the latest day the points would post. 

I inquired about the status of the promo points after I noticed the promised date had passed and the points had not posted. They opened an inquiry and I recently got a response saying that I did not qualify for the promotion after all. This is after confirmation on three separate occasions that I was enrolled and met the requirements. When it came time for the points to post ( and after several months of fees of {$30.00} each ), they now say I am not getting the promo as promised.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX : XXXX XXXX Consumer last 4 Social Security Number XXXXConsumer Date of Birth XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is a result of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened a student loan account for DEPT OF EDXXXX XXXX opened XXXX XXXX, XXXX account closed XX/XX/XXXX, with a balance of {$11000.00} under account # XXXX, a student loan account opened at DEPT OF ED / XXXX on XXXX XXXX, XXXX thats now opened with a balance of {$11000.00} under account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collection, and hard inquiries appearing on my consumer credit report maintained by you were nor opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results of identity therapy and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

i have XXXX accounts that this company has me listed as having that were from my idenity being stolen ... this company knowing this information is from a fraudulent source has continuted to hold these accounts with their company and report them as well evem try to collect on them
Product: Credit reporting or other personal consumer reports

I have been requesting that the erroneous accounts be removed from my account since XX/XX/2021 and to no avail they have failed to remove these accounts. They haven't provided any solid evidence and validation to these accounts. I have sent them copies of the police report, utility bill, Identity theft report along with copies of my id and SSC. 

They have failed to reply promptly or not at all. 



I will attach the last letter I sent to this company along with proof of receipt
Product: Credit card or prepaid card

Was told i was approved for credit card by Alliant Credit Union XXXX, IL on XX/XX/20. 
Then after submitting required documentation was then continually delayed and discriminated against ... 

My Employer even intervened to resolve what should have been a simple verification issue. But Alliant would not accept that even AFTER requesting multiple documents they were given AND making a call to my employer ... 

My Employer was called 1 time at XXXX eastern time after business hours and Alliant left no message. 
Employer then attempted to call back and then spoke with someone who would still not verify employment with my Employer! 

I have submitted SIX DIFFERENT FORMS of verification and they were still asking for more verification after they were not willing to actually verify with my employer. 

I received another credit card for the same amount and terms with a simple 2 minute online application ... 

I sure find it interesting that after i submitted my ID where my RACE was known the XXXX and delays started right away! 

Clearly Alliant Credit Union doesn't care about its members and it's very disheartening to have this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 an account without my written instructions.

15 U.S.C 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.
Product: Checking or savings account

i want to open an checking account but im on XXXX  with my consent or writing approval
Product: Money transfer, virtual currency, or money service

someone transferred {$4000.00} to me via pay pay and i was charged {$110.00} I dont feel i should be paying a fee on payments sent to me so i tried calling paypal to either transfer fee to sender or cancel payment i called for hours and there is no customer service representative available to help. 

i went through automated system that accidentally refunded the payment but charged me again. 

no emails, messages or calls are being answered. 

I want the full payment of {$4000.00} to be sent back to sender, i dont want to pay a fee an i want my account closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunwest mortgage is reporting erroneous late notations on my credit file and they must be removed. I did a short sell on my house and sold it almost immediately and the new owners moved in very shortly after. However, Sunwest mortgage is showing 2 lates for XX/XX/20 and XX/XX/20. I was not late on this account, my title company was supposed to wire the money over. This was not my fault, whether or not payment was received on time was not up to me but my title company. I can only assume there was some kind of error on your end or my title companies end but this is not my fault. My house had already been sold and people were residing in that home for those months. Please remove the late notations from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account US DEPT OF EDXXXX US DEPT OF EDXXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.