23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to reapply for a new credit card due to my old card being cancelled and charged off. I was denied credit and that's unlawful. 

12 CFR 1002.6 - Rules concerning evaluation of applications.

CFR 1002.6 Rules concerning evaluation of applications.

( a ) General rule concerning use of information. Except as otherwise provided in the Act and this part, a creditor may consider any information obtained, so long as the information is not used to discriminate against an applicant on a prohibited basis. The legislative history of the Act indicates that the Congress intended an effects test concept, as outlined in the employment field by the Supreme Court in the cases of Griggs v. Duke Power Co., 401 U.S. 424 ( XXXX ), and Albemarle Paper Co. v. Moody, 422 U.S. 405 ( 1XXXX ), to be applicable to a creditor 's determination of creditworthiness. 

( b ) Specific rules concerning use of information. 

( XXXX ) Except as provided in the Act and this part, a creditor shall not take a prohibited basis into account in any system of evaluating the creditworthiness of applicants.

1002.7 Rules concerning extensions of credit.

( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 

( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. 

( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I sent Transunion a letter informing them of unauthorized/fraudulent inquiries on my credit report. To this date Transunion has not removed the unauthorized/fraudulent inquiries that shows on my report. I have not given anyone listed on those hard inquiries permission to check into my credit report for any reason. Further, they have no proof, no contact info, no contract, no signature proving anything, yet they continue in their inaccurate reporting. If they do not remove these inaccuracies from my report I will have to ask you ( CFPB ) to fine them for their noncompliance of the FCRA, I will further file a complaint with the FTC, the attorney general 's office as well as the BBB. As I am entitled to a fair credit report just like anyone else. 
Thanks
Product: Debt collection

Have lots of debt I was involved in identity theft, lots of debt thats on my credit is false
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Transunion twice in regards to the correct spelling of my name. I also called in to Transunion for corrections. As well as correcting employer information. The information that I provided is not reflecting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current customer of XXXX XXXX. I recently checked my credit report and noticed that this institution is reporting inaccurate information to the credit bureaus and has caused a drop to my credit score. This company may be in violation of the FCRA due to this being the second time this has happened. This is affecting my ability to conduct other business so I am now contacting the governing agency of this institution.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b 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! 

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

The contrast between my consistent on-time payments for this account and the XXXX caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Debt collection

I recently viewed my credit report and noticed XXXX XXXX XXXX is reporting an alleged debt. The company XXXX XXXX XXXX is reporting a collection account that is NOT mine and is inaccurate. I've contacted Experian, have yet to receive a response.
Product: Credit card or prepaid card

Barclays has been putting a hold on all of our payments since XX/XX/2022 for 7 to 10 days when this issue was raised to them so that means we are paying additional interest to the balance while the payment is not getting posted. This should be illegal. The agency should open an investigation to this illegal practice by Barclays
Product: Credit reporting or other personal consumer reports

I am filling another complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) .15 U.S.C. & 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Tax 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 XXXX # XXXX has violated my rights. Account name : 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: Checking or savings account

I'm a previous Bank of the West customer and am now a BMO customer via the buyout. I've experienced bank buyouts before as a customer, and this, by far, was the worst train wreck transfer so far. 

They didn't correctly transfer my bill pay info. There were all kinds of login nightmares that I'm still dealing with. Most of those were resolved by working with their back. However, even today, half the time I can't log in so I try again, and sometimes it will work. Sometimes I have to close my browser tab to get it to work, and even then, it doesn't always work. This is on multiple computers. 

I decided to close all my accounts. Calling into their phone tree XXXX was XXXX. They have a set of XXXX prompts, then another set of XXXX prompts, and yet another set to be able to speak to a human. I wasn't able to close all of my accounts, so I had to make multiple calls. Finally, today, I closed my last account. Well, kind of. I was told if there's an outstanding balance before the account actually closes, the account will re-open. My balance showed {$0.00} since I transferred the money out earlier, and there were no transactions I was waiting to hit my account, so I was confident it would close. My mistake. I logged into my account later that day, and it showed a shortage of XXXX cents. Of course, there's a problem with this too ; why wouldn't there be? 

So I called back using their phone tree XXXX. I spoke with another bank employee, and caught her up on what I did earlier, and what I am trying to do. She also found it odd that the account was still closed, but had an outstanding balance, and the XXXX XXXX didn't show up anywhere in the account transactions, it just showed that amount being owed. 

She escalated the issue and got back to me, saying that I should try to log in, in a couple of days to see if the account balance was back to XXXX. I was extremely irritated that XXXX had to call back for an issue their bank caused, so I asked that I get a call back when the account had been confirmed closed. They agreed. I never got a callback. 

Even now, when I log in, it doesn't show that any of my accounts are closed. I was verbally told the other accounts were closed, but it doesn't show that on their website.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX have both failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX or XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX -- -- -- ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX -- -- -- - ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX -- -- -ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  XXXX -- -- -- ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX CARD -- -- -ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX -- -- -ACCOUNT NUMBER : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

Dear Friends at the United States of America, Notice is hereby given : I am natural person, consumer as the term is defined under the Equal Credit Opportunity Act ( ECOA ) and Fair Debt Collection Practices Act. I am filing this complaint for unfair and deceptive practice, credit discrimination, inducement of XXXX, as aggrieved applicant against Citibank , N.A . for deprivation of right to extend credit as creditor in accordance with the Truth in Lending Act and ECOA. I am submitting this complaint without any third party. 

I conditionally accepted application and extended my consumer open-end credit in credit sale via good and valuable consideration of completed application form in exchange for consumer product Citi Custom Cash Mastercard account XXXX 15 U.S. Code 1641 ( c ) offer accepted for open-end credit for consumer purposes only. The Assignee disapproval based on unverifiable and uncertified rumors in bad faith is unfair per 15 U.S. Code 1641 ( b ) - Liability of assignees. The disapproval is unfair, deceptive and discriminatory. This is a clear violation According to Title 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient and we request good faith reconsideration. 15 U.S. Code 1691b - Promulgation of regulations by the Bureau ( b ) Exempt transactions My capacity of operation is that of consumer and originating creditor, unless presumed otherwise
Product: Checking or savings account

I called Bank of America and asked to close my savings account. They refused and instead made me book an appointment to close it at their location the next day. So I show up and I am straight forward. I tell them to close my account because I don't trust their bank since they've charged me upwards of {$300.00} for random " overages '' or " fees ''. 

They refused to close my account, even after I settled the debts and my account was no longer in the negative. 
Now they charged me again, this time {$30.00}. for " account service ''. So my account isn't closed and yet again I'm in the negative. 

Bank of America is a fraud.
Product: Mortgage

Please refer to Complaint : XXXX. The Company 's response was that they could not communicate with me and provide the information requested or respond to a Qualified Written Request. In fact, the Bankruptcy Case was DISCHARGED on XX/XX/XXXX. The authorized agent for the Creditor filed their Response to Notice of Final Cure Payment on XX/XX/XXXX and the Order Deeming Mortgage Current was filed on XX/XX/XXXX. The attached documents confirm to the US Bankruptcy Court that the Mortgage is current and stipulate a mortgage payment due on XX/XX/XXXX of {$1000.00}. Subsequent to XX/XX/XXXX, XXXX XXXX sent a Notice XXXX Mortgage Payment Change increasing the payment due by approximately {$350.00} per month. 
BSI has denied me access to their web site to pay my mortgage, but have accepted payment by phone. The staff for BSI have said they need a letter from my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an excellent payment history with my payment accounts, credit cards etc. It started last year that Comenity bank said they received information from XXXX  that I have sever delinquencies. I reached out to XXXX  and requested my free report which they said I couldn't view it on line because of security issues that it can be mailed. i went through the entire process and still a 6 months later no report sand it keeps telling me I already viewed it on lime. Then they reported Erroneous information and XXXX XXXX  closed my account and wouldn't let me use my benefits that I paid for after I was affected by Corono virus. Now if all my accounts are paid on time and it shows that why did they drop my score and report mis information by 100 points. I have called them several times and no assistance. They also said I was breached and they are still allowed to report. I am ready to get an attorney and sue them. And they still haven't sent my report they are trying to make me pay for one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been the worst. They want to charge {$30.00} and upwards for information thats not complete or accurate. I have called many times because even after i make a proper account i can not login. The information to sumit disputes is always down and it has been down for at least 3 months. This company has been less than helpful and reluctantly transfers you to a representative. They do refuse to speak with customers at all times.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all paymen

ts were placed on Autopay. 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 th
e company and is not a reflection of my payment experience which violates USC Code 1681eb. 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 in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Checking or savings account

I sent TD Bank a letter twice requesting that they contact me to let me know that I have no financial liability because this account was opened illegally in my name and I have received no response to date.