23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$950.00}
Product: Mortgage

I was denied a mortgage loan from Bank of America for a property in XXXX XXXX, NJ on XX/XX/2021. I haven't received written confirmation yet, but the verbal reasoning is due to my employment history and employment gaps. The loan officer sounded very condescending when she told me that I was denied. It doesn't make sense to me to be denied for that reason alone as my employment history was stated on Day 1 and I was pre-qualified for the loan. To make matters worse, I was denied after having an appraisal done on the property so I was fairly far into the process with a refund unlikely for the {$570.00} I was charged for the appraisal. 

I believe that I am being discriminated against because I disclosed my race as XXXX on Section X of the XXXX loan application. I would greatly appreciate it if this could be looked into to ensure that Bank of America didn't discriminate against me by showing that they also denied mortgage loans to people of other races, particularly XXXX people, with similar credit, income or debt-to-income ratio, savings, educational, and employment backgrounds as me. 

Quick summary of my background : I have excellent credit, my credit score is over XXXX. My 2 employment gaps greater than 30 days were related to school. I have a XXXX XXXX XXXX and currently in XXXX XXXX seeking a XXXX. I work full time as a mortgage loan advisor where I earn over {$45000.00} annually. I have savings of {$30000.00}. The house I was looking to purchase cost {$180000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/19 my credit score was XXXX this came to light -- the result of ==home equity loan app -- my only outstanding loan is a second mortgage on my home -balance {$8500.00} -- -All my bills be it utility-credit-mortgage-auto-home etc are paid thru the auto pay system-my credit cards are paid in full every month again thru the auto pay system I have no outstanding debt -- sans the home equity-I have not paid one dollar in interest in twenty years- This may sound- on the face of it-Silly-but -- I purchased something at XXXX with my XXXX charge card -- -this is also auto pay -- they asked if I wanted to apply for the XXXX/XXXX card- I did -- here is the stone in my shoe -- -- I WAS DENIED -- REASON -- -NUMBER OF CREDIT BUREAU INQUIRIES. 
Now -- I was shopping for the best rates in mortgages-equity loans or any other source of funding in order to purchase a Florida Condo -- -It seems to me -- - to avoid the inquiries we are forced to accept the first quote -- avoid the competition and move on -- -Remember I did not purchase -- -accept or was I promised any product -- I was Shopping-Window Shopping -- -Next time my wife window shops I will try to reduce the credit line on her card -- -- This new out-fit -- CFPB is protecting whom from what? 
Some poor slob with a borderline credit score shopping for cruise -- airline -- hotel will have his credit score reduced to maybe, an F -- I don't know where this goes or does anyone care-but this is an outrage -- -I will bet If I can find the fingerprints there is a DODD-FRANK or some other XXXX XXXX behind this abomination-
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on 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. I've proactively remembered this report from 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, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'm disputing this duplicate credit entry. Tried to work it out, disputed with all 3 credit bureaus. No one wants to listen to me. We cant have double jeaporday. The originial creditor is claiming the debt as a charge off. and the debt collector is claiming the debt as well. If you own the debt both have to prove it. XXXX XXXX XXXX you need to stop acting like I opened this account on XX/XX/2016. That's a blaten lie. Show me the contract. XXXX XXXX is the original owner of the account. You are ruining my credit report with the double entries. 

You've paid off 2 % of your collection amount. 
Balance {$650.00} Highest Balance {$660.00} Opened XX/XX/2016 ( 2 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 01 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found grave errors that your company is reporting to my consumer report as late or missed payments, and because of this I am being discriminated against to extent my credit. Your inaccurate consumer reporting is causing great harm to my reputation and injury to my character. This is a violation of FCRA 15 U.S.C 1681 ( 4 ) ( b ) Here the accounts youre reporting with a late payment or missed payment XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX Department of education XXXX XXXX XXXX date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed a payment. I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed. 
Pursuant of 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, 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.

Furthermore I never gave you ( Insert consumer reporting agency ) or ( Insert Creditor ) any written instructions or consent to furnish any information on my consumer report, this is a violation of 15U.S.C 1681b.

Your company will be civilly liable for negligent non compliance pursuant 15 U.S.C 1681o ( 1 ) any actual damages sustained by the consumer as a result of the failure : Again, I demand these accounts be Updated to its proper payment status of Pays / Paid as agreed within 30 days of the receipt of this letter.

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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$530.00} XXXX  XXXX XXXX Balance {$110.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting and doing collections illegally as XXXX XXXX is unauthorized to collect or report on my credit report in the state of XXXX.
Product: Debt collection

This company ( XXXX XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

The Department of Education Aidvantage has released my records to all three reporting agencies illegally under the Family Educational Rights and Privacy Act. FERPA is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 20 U.S.C. 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. I DID NOT GIVE THE DEPT OF AIDVANTAGE WRITTEN PERMISSION TO RELEASE MY MEDICAL RECORDS and The three consumer reporting agencies XXXX, XXXX AND XXXX are not listed as an condition to FERPA. They are clearly in violation of the law and their illegal reporting has caused me to be denied a mortgage loan, damage my reputation, my character and my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit report and found several account unrecognized items from THE CREDIT BUREAUS office XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ARS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Product: Vehicle loan or lease

On XX/XX/year> I went online to the XXXX payment site, it gave me the option to apply for a loan deferment on my XXXX payment. I submitted the request information, then was asked to sign the document and I did. Shortly after this I received an email from the company with attached and signed payment extension agreement which stated that they agreed to modify my contract and that XXXX payment would be put at the back of my loan and my next payment is not due until XX/XX/year>. 
On XX/XX/year>, I received a letter stating my XXXX payment is past due, to my shock because I was given a confirmation that my payment was deferred, I called XXXX. I was transferred XXXX times and on the phone over an hour for each person to tell me that there is no record of any deferment or emails to confirm this going out to me. I offered to send them a copy of the signed agreement but again was told it doesnt exist. I was lastly told if I make the payment today they would apply for a new deferment, problem is I do not have my payment until XXXX 2024 the day it was suppose to be deferred to and now it is 27 days late. So if I pay it on XXXX/XXXX/2034 I will be reported as a 30 day late payment to the credit reporting agencies for something that I was told and confirmed was not due till XX/XX/year>
Product: Checking or savings account

Hello, It is time to do my XX/XX/XXXX taxes and today ( on or about XX/XX/XXXX ) I called Wells Fargo because I had not received my XXXX for my interest bearing checking account that I have had for decades. They informed me that last XX/XX/XXXX, they changed my account ( and all/ everyones interest bearing accounts of this same type ) to a non- interest bearing account and went to on line statements. ( they sent me a privacy notice in the mail but did not inform me of this change by mail ) Their website now says that posting on line counts as their notification. My account did qualify for two interest bearing accounts but they just changed mine -and everyones, according to them- to the non- interest bearing account. I do not believe it is nor should be legal to change an account from an interest bearing to a non bearing account without actual notification. Is this a cross selling derivative? I am willing to join or institute a legal action against Wells Fargo for this obvious unethical and possibly illegal behavior. I did try to talk to Wells Fargo but it was unsuccessful. 
Please help me recitify this abuse of my and others accounts. Thank you.
Product: Student loan

My federal student loans taken out for the XXXX XXXX XXXX XXXX in XXXX and over the next 3 years were discharged by the Department of Education due to the misconduct of the XXXX XXXX and their parent company, XXXX. 

Some of the loans ( in the amount of {$52000.00} ) to the XXXX XXXX are private and are held by Navient. After my federal loans were discharged, I applied to have my private loans discharged by filing a XXXX XXXX XXXX application with Navient, including evidence, written statements, and my discharge paperwork from the government. 

The application was submitted on XX/XX/XXXX, they put a document in my Inbox on my account on their website on XX/XX/XXXX that said they had received my application, and I received no further word or information until XX/XX/XXXX, when they denied my application by posting a document to my inbox. They gave no reason for denying my application except to say I did not meet the requirements for discharge, though according to the Department of Education and the criteria Navient themselves list for school misconduct, I do. 

I would like to know the specific reasons my application was denied, what specific criteria they based my application denial on, and what further information Navient needs in order to approve my application.
Product: Payday loan, title loan, personal loan, or advance loan

Navy Federal credit union I have 2 personal loans I applied to combine both loans loans been paid on time lately this would benefit just paying one loan just got denied for something I thought good for me and Navy Federal credit union also got denied for auto loan my credit with XXXX at more
Product: Mortgage

I break down my monthly mortgage payment into 4 weekly amount to satisfy the monthly requirement by the XXXX monthly. PHH does not apply my payments as they are received, they put them into a suspense status or apply the amount to the principal. I have written to them several times in addition to calling them regarding the correct posting of my payments. It doesn't help. I am disputing 2 late charges with them again for XX/XX/XXXX & XX/XX/XXXX payments. PHH reported me late on XX/XX/XXXX. All final funds due ( {$1100.00} ) were paid by Monday XX/XX/XXXX, which was the next business day as the XXXX fell on a Sunday. PHH again reported me late XX/XX/XXXX when the XXXX payment was paid in full by XX/XX/XXXX. Payments were sent as follows XX/XX/XXXX {$700.00} XX/XX/XXXX {$700.00} XXXX {$700.00} XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX BANK XXXX XXXX XXXX, XXXXXXXX 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 a account without my written instructions.
Product: Mortgage

On XX/XX/XXXX I paid half of my XXXX mortgage payment and set up a future payment for the other half to be paid on XX/XX/XXXX. On XX/XX/XXXX when I was paid, I forgot about having set up the other half payment and set up a second payment. Both payments were processed through my bank, XXXX, and my account went negative. I was then charged NSF fees, which have since been waived by XXXX. I contacted Mr. Cooper via their chat portal to request a refund of the second half payment made in XX/XX/XXXX. The agent requested that I send a screenshot of my banking account to his supervisor, who ended up being a team lead. The team lead informed me that since my account was negative, and the payment hadnt processed ( it had, she didnt know how to read a statement ), that they could not issue a refund. I contacted Mr. Cooper escalations who asked me to call a number where someone could conference in my bank and confirm the payment posted. The number did not work and their phone system disconnected my call. I have an issue with them not protecting my PII, as I dont know what will happen to my bank information now, and I ah e an issue with no one trying to understand the issue and help me.
Product: Student loan

Applied for loan to attend XXXX XXXX. Had to withdraw because of son 's illness. After showing documentation was assured loan would be forgiven. Has not happened and school has recently gone out of business.
Product: Checking or savings account

My identity was stolen over a year ago and cash app denied my disputes. I was told they should have refunded my money because its a violation of my consumer rights, they provided a documents that showed no evidence and closed my case and said no refund.
Product: Money transfer, virtual currency, or money service

Today repeated attempt to get replacement card. They won't deliver replacement to my po box . I think they did original. And they won't accept my physical address with with # XXXX at end even though they did one or the other in the past. 

Other banks keep physical address on file. But deliver to po box .

Post office does not deliver to physical address.

So what am I to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Current data still shows it being reported as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my Chase Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I recieved a debt collection letter from First Credit Services , inc . Listed the Creditor as XXXX XXXX XXXX XXXX XXXX. The balance listed {$640.00} XXXX XXXX XXXX. 
This letter is the first and only time I've heard anything of this account. I've never applied for this account never paid on this account ; I've never heard anything about this account. This debt is not mine and I'm not paying for it. I spoke with XXXX at the credit services and fully explained this is not my account nor my debt and that I would be filing this report.