23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX  XXXX XXXX I applied online for a second credit card with Discover. Discover denied my application which is a negotiable instrument. I have one credit card with Discover which is perfect standing. I have not missed any payments. I do not have any late payments. I do not carry a large balance. Yet Discover denied me access to credit. That ia a violation of several Federal laws such as the Fair Credit Reporting Act and the Equal Opportunity Act. I requested Employees of Discover to return my application to me but my request was denied. Discover has refused me to increase my credit limit in the open account I already have so I applied for a new credit line. Discover is reporting private transactions to third party non affiliates which is a violation of FCRA. Some codes violated are 12 CFR 1002.4 ( a ), 15 USC 1691a ( 3 ) This is Discrimination. I am exercising my right in good faith under Chapter 41, that right is evidenced in the ECOA and the TILA 1602 ( f ) credit. 12 CFR 1002.4 ( b ) it's rather discouraging to hear Discover thinks I don't qualify in a " consumer '' credit transaction without being provided a reason, which per 12 CFR 1002.9 ( a ) ( 2 ) ( i ) is required. To the " extent '' that Discover considered my creditworthiness it should've been done in a manner consistent with ALL qualified applicants for a similar type and amount of credit. Discover should also preserve MY original application I submitted per record retention LAWS. 

1 ) The application was a deposit of a negotiable instrument.

2 ) The deposit was done electronically.

3 ) The instrument contained a Power of Attorney that allows Discover to open accounts in my name.

4 ) I now demand for Discover to provide me proof that the actual instrument was denied/returned, Or 5 ) Discover needs to provide a satisfactory method for stopping the deposit from happening.

6 ) If they can not ( which I am positive Discover can not ), I demand Discover open the account and issue the card so I can track the accounting via monthly statements and monitor the account for fraudulent activity.

I will follow up with a certified letter submitting a complaint to the FTC.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX Texas Laws Dear WESTLAKE FIN, I am writing to address the unauthorized reporting of information to my credit report, in violation of both federal and Texas state laws. Specifically, this pertains to the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ) ; the Texas Finance Code under Sections 392.301 and 392.305 ; and Texas Penal Code Section 32.51 concerning identity theft.

It has come to my attention that WESTLAKE FIN has reported information to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is required for such reporting activities ( Section 1681b ( a ) ( 2 ) ).

In addition, Texas law under Section 392.301 of the Texas Finance Code emphasizes the necessity of consumer consent for credit reporting. Section 392.305 establishes guidelines for the fair reporting of consumer credit information. Texas Penal Code Section 32.51 highlights the seriousness of unauthorized access and misuse of personal information.

I assert that I have not provided consent for WESTLAKE FIN to report any information to my credit report. This lack of explicit permission violates my rights, potentially damaging my creditworthiness and disregarding both federal and state laws.

I demand that WESTLAKE FIN immediately cease any further reporting of information to my credit report without my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within 30 days will be viewed as willful noncompliance and subject to penalties under applicable laws, including identity fraud laws.

Obtaining consent is a legal obligation under the FCRA, Texas state law, and identity fraud laws. This is a demand for compliance with federal and state regulations to protect consumers like myself from unauthorized and damaging credit reporting.

I expect your immediate attention to this matter and anticipate that WESTLAKE FIN will promptly rectify these violations, respecting my rights under federal and state laws. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt is not valid. I 've sent two letters to Transworld Systems regarding the XXXX XXXX. The XXXX XXXX commited fraud with false advertising. I returned the product which was received XXXX XXXX, 2015 at their company. I lost {$140.00} to the XXXX XXXX and they have their product back in full working order with no damage. Transworld needs to stop harassing me over this non-valid debt.
Product: Checking or savings account

I purchased a pair of products online on XX/XX/2018 for {$27.00} each. The company provided the wrong kind of product, so I contacted Bank of America to open a fraud claim for " products not as purchased. The investigation by BoA found no wrongdoing by the company, even though I have documented evidence of the company 's mistake. Bank of America has now withdrawn the provision credit they provided and it has overdrafted my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, TransUnion, XXXX, XXXX, Lexis Nexus Core Logic, or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.
Product: Mortgage

I XXXX XXXX spoke with one of Select Portfolio Servicing employees at the end of XXXX of XXXX. She and I conversed about the plan the company had came up with for me. she offered me a modification of XXXX payments of XXXX beginning XX/XX/XXXX. I accepted the offer verbually and she also said they will send me something to sign in agreement. I have yet to receive that. I accepted because I need a place to continue to stay. Also in my mind I was saying why has the mortgage payment went up so much? I realize I am very much behind on my payments and I have been trying for years to get to this point so I can get back on track. The lady also said my interest rate was going up to XXXX percent. My normal interest rate was XXXX percent. I was really at a lost for words. I said to myself I did not ask to refinance I asked for a modification to get back on track and put all behind payments on the back end like Select Portfolio Servicing has done in the past. It seems like to me I am being discriminated against because I am behind on my mortgage payments and they are trying or is to make the payment very unaffordable for the 6 months. It also seem as though Select Portfolio Servicing want me to lose the home or move out. I am asking Select Portfolio Servicing can you please keep my mortgage at XXXX and please revise this payment plan so that I can afford it. There are repairs that are needed to the home that I will be seeking homeowners assistance programs for help in concerning these repairs or led me where I can get assistance .Select Porfolio Servicing can you please or will help me in this matter. Thanks so much. My name again is XXXX XXXX Account number is XXXX
Product: Credit card

I had several fraud claims against my account and was told these claims were to be investigated.. However, with Chase 's fraud operation team they talked to me about it so kindly and told me they take these claims very seriously and I actually believed in them. That however, is not the case. They said they will call me back in regards about my disputes/fraud claim with the merchant " XXXX XXXX XXXX '' but they never did.. Also, today as of XX/XX/23 they have closed my business/personal credit accounts saying it was closed due to " fraud '' with no legitimate reason or a call for a notice.. This fiduciary irresponsibility needs to be further investigated by the CFPB because this is unacceptable. I never wanted my cards closed, or wanted my cards to be stolen so someone had used my credit card information for fraud. I believe Chase is not a credible company with no integrity or honesty.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




UNAUTHORIZED INQUIRIES : Experian 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am presently XXXX and trying to secure a residence ( and not with another slumlord ). I had an eviction that happen some years ago when I was struggling after losing my significant other ( I am a single parent of three ). I do not want sympathy or a hand out I worked very hard to get to a better place in life. I had my eviction sealed, but Transunion is still reporting this to prospective landlords, I have been trying to work with them to get this removed so that I can procure proper housing for me and my children. I have been in contact with them and was told they needed the signed order from the judge. Because I was working with an attorney I asked if i submit it can this be expedited due to my circumstances and was told yes. I obtained the info and submitted it to the email address giving to me by the Transunion representative, when I called to inquire if it was received I was told it was not, at this point I verified the email address and asked for a supervisor. The young man was very understanding and helpful. He had me try several times to resubmit the info while we were on the phone, yet he was not seeing it come through. So he sent me an email and had me respond with the document which he finally received. He told me to call back on Tuesday ( XX/XX/22 ) But I called Monday just to make sure this is being handled. The young lady on the phone told me I had to wait for up to 30 days, I explained to her this is not what I was told. I then asked for a supervisor and was told I couldn't hold for one ( as I did on Saturday ) but that i had to leave a message. I just need this info updated so that I can give me kids a stable place to reside and this is totally unfair to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date is XX/XX/2019. This Forever 21 account was a {$15.00} charge that the company billed us double. We paid the amount owing in a timely fashion and they indicated it would be fixed. They never notified us to let us know the account was not corrected. They also never took the proper measures to let us know that they were reporting me late on my credit report.
Product: Mortgage

Freedom Mortgage has been negligent of their responsibilities of handling my loan ; due to Covid-19 restrictions, we opted into the Covid-19 forbearance until we could establish financial options back in XXXX of 2021. In XXXX of 2021, we contacted freedom mortgage to re-establish payment and opt into the VA partial claim loanXXXX Freedom Mortgage sent us documents about the VA Partial Claim Loan in XXXX. However, the documents were not reflecting a modification to our escrow, as I am exempt from paying NJ state property tax as I am 100 % VA XXXX. Upon speaking to a Customer Service representative with Freedom Mortgage, I was advised not to sign the documents, the Freedom Mortgage Associate would request new documents. Each week following, I contacted Freedom Mortgage requesting new documents each time ; Ive been on hold for over an hour given a generic statement that the papers are being prepared. Additionally, each time Ive been given the run-around, those papers are under review and being prepared to be sent out. Freedom would further state, there is an issue with the escrow, and countless other excuses. It has been XXXX months since requesting documents, and the problem hasnt been resolved. My wife and I feel emotional distress from this as we have witnessed people driving past our house taking photos, and our neighbors have reported this to us and provided Plate numbers. Upon researching it, I have discovered this is a tactic from mortgage lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer 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 the 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 at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$160.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I had three CDs with VyStar Credit Union. One was a 60-month CD with maturity date XX/XX/XXXX. The other two were each a 12-month CD, each with maturity date of XX/XX/XXXX. I have not received any notice from VyStar prior to their maturity. When I reviewed my accounts, my 60-month CD already rolled over into another 60 month CD and it was too late for me change this according to what would have been my my preference. When I inquired about the notice, an agent XXXX in the local branch office told me the notice probably got lost in the mail. The I watched for notices about my two CDs maturing in XXXX. I never received any. Moreover, my account on the VyStar website showed them both as 60-month CDs maturing in XXXX. I withdrew money from both. Yesterday, XX/XX/XXXX, I spoke to the XXXX  Manager of VyStar, XXXX XXXX XXXX. He insisted that it is not VyStar responsibility to send me a notice about the maturity of my CD, but my responsibility to watch for the maturity date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last 60 days I've been garnished by this XXXX XXXX of s total sum amount of $XXXX, every single month since I've had this loan they've been adding $XXXX every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also XXXX XXXX of XXXX XXXX  children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over $XXXX XXXX for a $XXXX   loan and why does my balance still reflect $XXXX? Where I started? XXXX XXXX are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.
Product: Debt collection

Accepted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Offer Accepted for value XXXX {$9200.00} of the obligation due Pay to the Bearer For Special purposes such as bailment or general deposit. Account ( ... XXXX ) Signature Business By Accommodation : XXXX XXXX Without Recourse, XXXX XXXX Accepted UCC XXXX XXXX UCC XXXX / UCC XXXX / UCC XXXX Offer XXXX for value received {$23000.00} of the obligation due Pay to the Bearer For Special purposes such as bailment or general deposit. ( ... XXXX ) By Accommodation : AH/ Agent Without Recourse, XXXX XXXX Accepted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Offer Accepted for value received {$17000.00} of the obligation due Pay to the Bearer For Special purposes such as bailment or general deposit. Account # ( ... XXXX ) By Accommodation : XXXX XXXX Without Recourse, XXXX XXXX
Product: Credit reporting or other personal consumer reports

n 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 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 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

My information was exposed in a data breach. 

I am writing to formally request the blocking and deletion of certain accounts from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 605C, and the guidance provided by the Consumer Financial Protection Bureau ( CFPB ) This request is being made due to my status as a victim of XXXX  XXXX, specifically debt bondage, which is recognized under the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I have a letter from an advocacy group assisting me, affirming my status as a victim of XXXX XXXX. 
These documents should meet the requirements laid out by the CFPB for the blocking of this information.
Product: Mortgage

My loan was sold from my loan originator to XXXX XXXX XXXX  in XXXX, and then sold again from XXXX XXXX XXXX to Mr. Cooper in XXXX. Prior to being notified I made my XXXX loan payment in full to XXXX XXXX XXXX. Mr. Cooper has never fully posted the XXXX payment. The amount total payment amount is {$3100.00}. {$320.00} principal, {$2200.00} interest and {$530.00} escrow. Mr. Cooper only posted the principal and interest in the amount of {$2500.00}. They claimed they never received the escrow from XXXX XXXX XXXX, but I have the statement from XXXX XXXX XXXX  showing the funds were sent to Mr. Cooper on XX/XX/year>. I have had to make an additional payment of {$530.00} to Mr. Cooper as I was threatened with impacts to my credit score. This issue is concerning as a consumer having no recourse for Mr. Cooper who now owns my loan and has not found this money that I paid. I have escalated this with Mr. Cooper and sent them the payment information from XXXX XXXX XXXX, but still have not had this resolved.
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/year>
Product: Mortgage

I was charge for services I didnt agree to. My lady modification on XXXX was a higher percentage rate than my prior mortage Also I was not given equal opportunity in XXXX and felt the bank discriminated to due my XXXX allow me to utilize programs to assist with my mortage modification causing me to owe significantly a higher amount than what purchased house for. 

They also took 2 years to approve my mortgage. 
I try to recently address this matter I was denied on XX/XX/XXXX