23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied for a Home Equity Line of Credit with Fifth Third bank XX/XX/XXXX. On XXXX XXXX, XXXX we were advised by the Fifth Third, XXXX Branch Manager, that the application was in a holding pattern, but we had " conditional approval ''. We then verified, via e-mails with the Branch Manager on XXXX XXXX & XXXX, that once our XXXX property closed and we provided the closing statement, only a clean title search and property appraisal for our XXXX home was needed to close the loan. 
Our XXXX property closed on XXXX XXXX, XXXX. The appraisal on our XXXX property was completed on XXXX XXXX, XXXX. Then, in XXXX, XXXX we learned that Fifth Third actually wanted us to use the new line to pay off credit card vendors, thus insuring that Fifth Third bank would receive interest payments. This is when we also learned that our business and personal income had been understated because underwriting discounted a substantial amount of our income. Why after we were given conditional approval based on the sale of our XXXX property would underwriting now change the rules of the game by requiring us to immediately start using the line of credit and then inform us they inflated our debt to income ratio by discounting income? 
This process has taken way too long and we would like to move on. We have requested written notification from Fifth Third bank as to whether we are approved or not approved for their HELOC based on the information provided to them as late as XXXX XXXX, XXXX. We are not willing to provide additional information if they are going to arbitrarily discount income. If Fifth Third is willing to accept all income, we can provide documentation for a business car loan. 
In addition, we would like to better understand why a bank would require a consumer to immediately use a line of credit rather than offer us a lower line of credit? Fifth Third bank was going to require us to pay credit card vendors that they named rather than simply advise us that our debt needed to be reduced by {$30000.00}. Of course, we later found out that our debt to income ratio was inflated because our income was being deflated. 
We have excellent credit and simply wanted to acquire this line of credit while we were still in good health and able to work. This process has been stressful for no good reason and no one at Fifth Third bank will give us answers that make any sense. We are still waiting for written notification on the status of our loan as of XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax Letters regarding reporting " derogatory " on a paid account XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. They have not responded not corrected this. This is a violation of my FCRA rights. 
There are two accounts XXXX  and XXXX. attached are all documents showing proof
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I called XXXX and TransUnion to have Name, Addresses and Phone numbers that are no longer associated with me to be removed from my credit file. I also requested all soft inquiries to be removed. The company, by law is required to remove the information from my file within 24 hours, yet the information persists, I am requesting that the items that are highlighted in the attached document be removed immediately.
Product: Debt collection

Amsher Collection services sent me a notice regarding my delinquent XXXX balance offering me a settlement. The settlement is {$32.00} off my balance if I pay before XXXX/XXXX/15. It states that to accept the offer I am to call XXXX. 

When I call this number I am greeting by a message telling me I can leave a message which is then interrupted by another message leading me through a series of prompts which leads me back to the original message creating a loop where I can never leave a message nor speak to a representative. 

I simply want to pay my bill and would like to accept the Amsher 's settlement. However the number they provided does not allow me to do that.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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

I was contacted by XXXX that a hard inquiry was on my credit report from Kohl 's. I found that odd because I've had a Kohl 's card for many years. I looked it up & saw that it said " a lender requested a copy of your credit report for a home retail loan. Every time you apply for credit, a " hard inquiry '' is placed on your credit report and it may stay on your report for 25 months. '' This is listed as coming from KOHLS/XXXX. A few weeks back I did apply for a credit increase online but it was immediately declined so I know credit was pulled then. 
I called Kohl 's today & asked about my credit being pulled today. They admitted it was but never told me why. They said they couldn't remove the inquiry & I'd have to talk to the credit bureau about that. I'm trying to rebuild my credit, I even told them that & that they were the ones that had to take care of the inquiry, not the credit bureau. They said they couldn't do anything about it. I had to talk to the credit bureau. I ended that call with no answers about why that inquiry was done and why they refused to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$5600.00}
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : 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

I am filing a 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 thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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.
Product: Checking or savings account

I opened a new Axos Bank checking account using a promotion they offered, " XXXX '' that would credit my account up to {$500.00} after meeting the bonus criteria, {$100.00} for each month within the first 6 statement cycles, up to a maximum of {$500.00}. 

On XX/XX/XXXX I applied using the promotion code XXXX ( form # XXXX ) and received approval for a new checking account with Axos Bank. However I never received expected follow up email to finish setting up the new account and could not progress when signing in to the Axos Bank website. On XX/XX/XXXX I called the bank 's support line and the representative told me they were fixing my application as there was a problem processing that she did not provide additional details about. I was assured my application would be resubmitted exactly as I had applied on XX/XX/XXXX. At the end of that call the rep said everything was sorted and I could proceed with the rest of my account setup. After meeting the bonus criteria for XXXX, I should have received the first {$100.00} bonus payment by XX/XX/XXXX. When I still didn't receive this by XX/XX/XXXX I called the bank again and was told that the representative who helped me previously made an error and cancelled my original application as well as forgot to add the XXXX promo code to a replacement application. The rep confirmed the XXXX promotion was attached to my application from XX/XX/XXXX, form # XXXX. 
I was told there was nothing they could do to help over the phone and that I needed to secure message the bank from my online banking account to resolve this. I did exactly this after ending the call on XX/XX/XXXX and explained the issue. On XX/XX/XXXX the secure message response said they were " unable to find the promo details added on the application, we do not have the option to add the promo code once account is approved. '' The bank is refusing to acknowledge the error of their representative on XX/XX/XXXX and they are refusing to correct this mistake,. Even with the details provided to them and confirmed by phone rep XXXX on XX/XX/XXXX, they are refusing to accept responsibility and provide a resolution. I did everything correctly from my end and followed all terms of the promotion, but they won't correct the mistake from their end. Does this now make it fraud as they had a chance to fix it but refused to do so? 

They mention they are unable to add the promo code after account approval. If that is the case then they need to escalate this to someone who can manually add the missing bonus funds to my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from the XXXX XXXX  helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXXXXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following records. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to my ongoing dispute regarding the inaccurate and unverified negative items on my credit report. Despite my repeated requests for proper verification and removal, you have failed to provide any substantiated evidence confirming the legitimacy of these accounts.
Product: Consumer Loan

I applied for a loan with my bank First Citizens Bank based in XXXX, NC. I went into detail concerning my background, provided documents of adequate income, and explained what could be interpreted as errors on the credit report. I had special situations from one event nine years ago that placed several negative events on my credit report that looked like numerous situations. I had no current debt. They denied me for the loan due to an " open bankruptcy '' and stated " when that is closed we can re-evaluate it and help you establish a credit history ''. I replied that I did not have an open bankruptcy. There was one that showed on the credit report of some agencies which was withdrawn after filing and it is listed as " dimissed '' - it never happened. I requested the specific reasons why it was denied and what I had to do to get an approval under their system. They never replied back to me. They have never sent me the written notice after 30 days notifying me my loan was denied, the reasons for denial, what sources they used for the denial, and my rights under the Fair Credit Reporting Act. I called to the main credit customer service phone line that interacts with the underwriters and asked to appeal their decision and talk directly to the underwriter to explain this, and was repeatedly told it did not make any difference. Whatever the credit report said was what they went by. Until the credit report said something different, they were not approving any loan and I could not appeal to an underwriter. This is wrong. I need to have some credit in order to get my credit score up. I have no debt and no credit cards or commercial loans in the last 7 1/2 years, while also running a business. I need to get this personal loan, a credit card and auto loan to start having a payment history built up which would raise my FICO score to allow me to get a loan.
Product: Checking or savings account

My checking account had a check cashed in the amount of {$4000.00}. It was not a check that was presented by us. It is a FRAUDULENT transaction. I have spoken to the bank and have not received my money back I am told that they are waiting on XXXX XXXX my bank is Huntington Bank This happened on XX/XX/2022. I have processed all documents necessary and filed a police report. I asked them why am I waiting for XXXX XXXX. My money was taken from Huntington. The account was closed by Huntinton because I transferred every dime into another savings account. I can't use an account that has been compromised. I just need my Money back XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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 and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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, personal loan, or advance loan

So I was looking over my credit reports and saw that XXXX XXXX has put a 3rd tradeline on my credit reports, even though I only had two loans with them. And they are reporting that last tradeline as charged off? Which is ridiculous, as I paid both my loans off in full to these people and never missed a payment. I dont know when this their account was opened, but it wasnt me at all. Ive been incarcerated since the start of last year ( 2024 ) so it could t have been me that opened that account at all. I want this fraudulent tradeline removed from my credit reports ( XXXX, XXXX, and XXXX ) IMMEDIATELY!!!! As this is ridiculous! My personal identifying information has been compromised for a few years now, as Ive been trying to navigate that as well. And this is no different at all! Remove this fraudulent line at once.!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer - XXXX XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file is listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$500.00}.
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 alleged fraud or extortion. 
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 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 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

I'm having things reported on my credit that do not belong to me, and it's impacting my credit and my life
Product: Debt collection

I've attached the FTC Identity Theft report referencing the Nationstar Mortgage, LLC fraudulent FHA real estate loan that Nationstar Mortgage , LLC is threatening to foreclose. 

Nationstar and XXXX  XXXX XXXX conspired to reinstate or create a new FHA loan using my personal information without my consent or knowledge. I have vehemently disputed this fraudulent loan and it was removed from my credit reports in XX/XX/year>.
Product: Credit card or prepaid card

My Synchrony Bank Amazon card, they offer promotional no interest on purchases, if you make other non promotional purchases in the month you are to pay that total balance off each month to avoid interest charges. I call each month and have went on their account page to allocate my payment each month to charges that would accrue interest first. For example my min payment is {$33.00} if I made a non promotional purchase of XXXX I would pay {$150.00} towards my account to avoid interest and to put money to my promotional balances to get ahead each month. Instead of that happening they charge me interest on a ghost balance that may have been from 3 months ago that was already paid off since I allocated the monies towards, then I have also not made a non-promotional purchase in two months. The statement does not say when the purchases are from it just states " regular purchases '' and the number charges each month even if there is no activity. Last month there were no purchases and a I made a {$250.00} payment there was a regular balance of {$140.00} then this month after the {$250.00} payment last month there is still showing a {$74.00} balance but according to the representative last month who again did refund the interest charge of {$3.00} and admitted that it was not correct, the problem has not been resolved. I called again today and they refunded the interest charge again. This is leading me to believe that they are doing this to see who will fall for this scam and I am not going to accept this. unfortunately people need things and when you have an opportunity to have no interest for 6 months on something big it makes a big deal when living paycheck to paycheck.