23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I believe Mortgage Research Center, XXXX Veterans United Home Loans, in particular the Underwriter ( s ), has sought to arbitrarily deny my loan by utilizing disparate treatment. 

Disparate treatment happens when a lender treats an applicant differently based on one of the protected characteristics ( such as race or gender ). This type of discrimination can be obvious and blatant, or it can be subtle. The lender does not issue an actual denial, but disparate treatment creates barriers, making borrowing more difficult. For example, let 's say Bank A requires evidence of one month of verified income for a mortgage. XXXX, a XXXX mortgage applicant, must provide more extensive income documents than XXXX, a non-disabled person, in a similar situation. Proving disparate treatment does not require showing that the lender was motivated by prejudice. It only requires that the lender did not have a nondiscriminatory justification for the difference in treatment. 

Veterans United Home Loans required I sell my home and provide a Closing Disclosure in order to be issued a Clear to Close. After the home was sold, the Final Disclosure was sent. The lender then required I provide payoff quotes from XXXX of my lenders that do not provide payoff quotes. This is a concern because my debts were prevalent when I applied for financing and I was pre approved on XXXX separate occasions, with the second pre approval resulting in me being approved for {$500000.00}. 

It appears the Underwriter ( s ) at this company do not wish to approve my loan but are unable to deny it with legal justification. Instead, it has sought to cause unnecessary requirements and delays by disparately treating my loan request with unreasonable and unattainable barriers to approval. 

Had this company simply denied my loan request before pre approving me for {$500000.00}, I would not have sold my home and would not be homeless in the middle of a Chicago winter. This behavior is unprofessional and egregious and as a veteran of the United States, I demand fair and equitable treatment. 

I request an investigation into the business practices of Veterans United Home Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 710XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Student loan

Ascendium seems to have purchased my loans from XXXX. However, they have to been able to provide me with the promissory notes. I believe that the loan was already paid in full in 2014. I called and was transferred to XXXX XXXX XXXX. I have asked them to show me an invoice reflecting the amount they say I still owe, and the payments that have also been made previously. I have not heard back from them. This negatively affects my credit and I am trying to fix it.
Product: Student loan

XXXX XXXX was found to be in fault and all loans were to be XXXX. XXXX of my loans were XXXX but XXXX remain that are listed as XXXX XXXX. I have been chasing this for a year now. Aid Advantage acknowledged and presented a letter that loans XXXX & XXXX XXXX would be discharged. To date nothing has happened. All these loans originated with the XXXX XXXX XXXX XXXX  ; another faulty school/ They transferred these loans to XXXX XXXX XXXX found at fault. All within the penalty timeframe. All these loans should be XXXX as noted and presented in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened 5 new lines with XXXX XXXX in XX/XX/2022. 2 days later 3/5 lines were cancelled online from XXXX and 2 phones were sent. I called and cancelled the 2 remaining lines and asked for a return receipt. I spoke to 15 different representatives over the phone and no one was able to send what I needed but they cancelled the accounts. Once I receive the labels I tracked the package both phones were returned. I then received a bill for over a {$1000.00} for services I never received. I have tried to contact XXXX nothing has been done.
Product: Mortgage

I made a payment on XX/XX/XXXX which was not applied correctly. I sent the company a message about it and it has not been corrected. Also, this is a continuing issue. Every month, they are unable to apply my payment correctly.
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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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, credit repair services, or other personal consumer reports

XXXX XXXX is wrongfully reporting a credit card debt as current and late, when the debt has been charged-off and paid in full via settlement via XXXX XXXX XXXX a XXXX party collection agency by which I was promised that the debt would be deleted, thereby damaging my credit report on all three bureaus with inconsistent information and duplicate reporting. On the one hand this debt charged off on or about XX/XX/XXXX and forward to XXXX XXXX  of which they began to report the debt as a collection debt. On the other hand the though the debt was charged off and sold to a collection agency the XXXX XXXX continued to report the debt as open and late continuously for more than three ( 3 ) years. Upon my best efforts to reach out the credit union to update reporting and/or settle debt I was told that the debt was sold and off their books and that I should just dispute the incorrect reporting and/or settle discuss settlement with XXXX XXXX. On or about XXXX 2019 I began to review my report in an effort to clean up my report because to my dismay I was being turned down for many job opportunities for my credit. In good faith I borrowed funds to begin paying of old debt in hopes of clearing my credit so that I take advantage of potential missed jobs. On or about XX/XX/XXXX I reached out to XXXX to settle two accounts a credit card with acct # XXXX XXXX {$980.00} XXXX and charge off auto loan with acct # XXXX XXXX {$10000.00} XXXX both of which were charged off accounts of XXXX XXXX XXXX. Though both debts were being incorrectly reported with three line items creating triple reporting for the same debt as follows : ( 1 ) open collections with XXXXXXXX XXXX, ( XXXX ) Open Collections +120 days late and ( 3 ) charge off ( 2016 ) with XXXX XXXX, I was told in order for the debts to be deleted and my report to be updated correctly I would have to pay the entire amount owed plus interest and that they would then inform the credit union directly. As of XXXX XXXX, 2019 all debts have been paid to XXXX XXXX and to this day XX/XX/XXXX2019 the credit card debt XXXX {$980.00} XXXX charge off still remains on my credit report and is being reported current late and charge off by the XXXX XXXX. Being that this incorrect report has been going on by the credit union for more than three years and the debts has been paid in full I would humbly request that both line items ( 1 ) the charge off debt and ( 2 ) the current 120 days late be permanently removed completely from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deleted consumer twenty two plus year credit history. Repeated offense. Denied access to credit report after receiving consumer complaint.
Product: Checking or savings account

On XX/XX/2022 I received three ( 3 ) consecutive emails from Bank of America. The first, asking me to verify my email, which I did not do. Second, that my online application to open a Bank of America XXXX XXXX Banking Account was in progress with a confirmation # : XXXX. The final email, stating that my application was approved. As I did not submit any application to open a checking account with Bank of America, I contacted their customer service the following morning ( XX/XX/2022 ) and had the account closed due to fraud. The account was opened with my name, email, SSN, and an old address.
Product: Credit reporting or other personal consumer reports

I opened up this account in XX/XX/2020, this was during the pandemic and as I had to make financial decisions as the prices of everything went drastically up. I tried to do my best contacted the company. Paid what was owed and they choose to close my account. 

Reporting to the credit bureau, XXXX XXXX is whom I have know them to be. However my credit report with all XXXX credit agencies list different names. 
Experian Credit Report : list XXXX XXXX XXXX Credit Report XXXX XXXX XXXX XXXX Credit Report XXXX The balance listed on all XXXX credit reports shows different dates. I am not understanding why they are still updating and reporting on an account that is paid and not report any updates on the other credit agencies. It seems it a smear to keep my credit score down.
Product: Debt collection

Stenger & Stenger have contacted me in regards to a debt without supplying my signature that I owe this debt or validating this debt. I would like to seea ny original documents with my signature in regards to this matter. I have disputed this with the credit bureau and this claim of debt owed was removed from my credit. I have now received a civil wage garnishment on a debt from 2009 and again have not been supplied with any information that this is valid. They are now using threatening tactics. This is not a fair practice to me. They are now contacting my place of employment and other contacts that I have not given permission to do so. CASE # XXXX with XXXX County Indiana has been closed and they are still threatening action. They are trying to threaten on an invalid debt past the statutes of limitation.
Product: Credit card or prepaid card

My Citibank double cash rewards card was stolen on XXXX/XXXX/XXXX along with my XXXX XXXX XXXX at XXXX night club in XXXX XXXX, XXXX I saw multiple fraudulent attempted charges on my online account for {$3100.00}, {$2100.00} and {$530.00}. There was XXXX successful fraudulent use for {$1000.00} in the form of quasi cash at XXXX XXXX XXXX XXXX. I did not give permission or authorize anyone to use my credit card or my driver 's license. I notified Citibank who cancelled my card that same day and I went to the XXXX XXXX XXXX Police Department station ( XXXX XXXX and filed a police report. I flew back to XXXX without an ID on XXXX/XXXX/XXXX. I obtained a duplicate driver 's license on XXXX/XXXX/XXXX. A detective from XXXX attempted to contact me at my work and on my cell phone after XXXX weeks, unsuccessfully. I left a voicemail on his voicemail with everything I knew about the charges i.e. and did not get a return call. I was contacted by citibank security operations person handling my case, a XXXX XXXX, who was not professional or helpful and closed my case without proper time to submit evidence. She reported they had enough evidence it was me who made the fraudulent transaction but stated their evidence was confidential so I did not have access. The fraudulent charge was placed back on my account {$1000.00} in last last 48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

I have asked Eagle Accounts Group to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus are reporting " time Barred '' information on my credit bureau files the following accounts : XXXX XXXX XXXX dated 2015 XXXX dated 2015 XXXX XXXX XXXX dated 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA 15 U.S.C. 168, I am entitled to a free credit report.
Product: Checking or savings account

Starting XX/XX/year>XXXX  I filed a claim for fraud on my account due to unrecognized charges on my XXXX XXXX account, My bank ( Chase bank ) asked me questions like if I had my credentials and if I couldve known who couldve done it and if they needed any more information an investigator would contact me.Then they froze my bank account and sent me a new card and told me that if the claim is valid I will receive temporary funds within 2 days. I received the temporary funds in my account XX/XX/year> and on XX/XX/year> the funds were out of the processing phase and was fully in my account and was refunded to me as a reversal. Radio silence from XXXX XXXX  and no one reached out to me from chase bank in regards to more information or an update on my account and on XX/XX/year>XXXX  starting at XXXX the money I was refunded back to me from chase bank was being withdrawn back to XXXX XXXX with no explanation, no phone call, no email or text to give me an explanation. At XXXXXXXX XXXX on XX/XX/year> I had contacted chase bank through a phone call and spoke with a representative, they had unprofessionally told me that I was in the wrong and its my fault that my money was sent back to XXXX XXXX saying first that my claim was counterfeit and after I requested documentation or a reason why it was counterfeit he changed it to my claim being invalid. I asked for a reason why my fully refunded money was transferred back to XXXX XXXX  and he kept deflecting the question and kept repeating that my claim my invalid so I asked why refund me the money if the claim was invalid and the response was we can not assume a claim is invalid when received it doesnt make sense since I answered all their questions and I was told it was a valid claim. I asked to speak to a manager or someone higher up and he refused and once I urged the representative to give me straight answer he said that XXXX reopen the investigation and the call was over since the information I requested was being held from me. After getting in contact with XXXX XXXX the representative on their side told me chase bank never reached out to them and it would be 10 business days for an update email on my claim but its been 12 days and the representative kept repeating that until I decided the call was over. At XXXX XXXX XXXXXX/XX/year> I called chases claims department again and a more experienced representative spoke with me and told me that they had reached out to XXXX XXXX twice and XXXX XXXX  counter claimed against me with documents stating since Ive used their services before and havent had issues or reported any other transactions with their services that the claim was invalid and due to chase bank policy that had to transfer my refunded money back to XXXX XXXX, I couldnt get the documents myself since its still pending review and the investigation was not reopened by the earlier representative. So Im at a loss now, my account is negative and I keep getting charged an overdraft fee because chase wont fight for my money or help me at all due to * policy *
Product: Debt collection

I've sent complaints to all three credit reporting agencies including the debt collector and have not been provided with proof that this is my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing discover with XXXX for a year now. They keep coming back the same day with a response. which let 's me know they have not done an investigation as they reported. The response says all inquiries are accurate and that they reached out to discover. They did not discover has told me numerous times that they have no account or application from me to have an inquiry. after I disputed XXXX discover they even sent a letter and now XXXX still doesn't have it. 30 days later.
Product: Debt collection

Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, my business credit account with American Express were in good standing. 

After the shut down of my state, on or about XX/XX/XXXX, I called American Express to let them know that my business had been impacted. I asked specifically if they had any type of payment assistance or forbearance plans available. 

I was told " no '' they had nothing to offer me. 

I explained to the Agent, that due to the mandatory closure of my businesses, I would no longer be making my regularly scheduled payments until the emergency was lifted, and I could get my business back open. 

A few weeks later, the U.S. Congress passed the CARES Act which to the best of my knowledge gave credit card companies the ability to waive minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

The CARES Act seemed to be a fair deal in lieu of harming consumer 's personal or business credit. 

Sometime after the passage of the CARES Act, I began receiving ominous calls from American Express. The pre-recorded messaged asked me to contact them, or to log into my account to discuss an important matter. However whenever I logged into my Business Accounts, there were no banners or links anywhere on their site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express file a Charge Off in the amount of {$1400.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is supposed to be reflective of one of my Business Accounts with American Express, then I believe their attempt to collect should be levied against my business account, not me personally. 

Furthermore, the CAREs Act is supposed to protect consumers during this pandemic against unjustified negative credit reporting activities. 

I believe I did my part to maintain a good business relationship with American Express by calling early in the process. I believe if they were unable to devise a proper payment forbearance program to assist me and other consumers, that is their prerogative. However, they should not be breaking the Law. 

The CARES Act prohibits negative credit activities. Both for personal and business accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all of the fraudulent accounts on my report. I have not receive any notices from the credit bureaus. None of the items that are reporting delinquent is accurate. I sent notices and by law the bureaus have 30 days to provide a written explanation I have yet received anything. It has been over days!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

PERFORMANT FINANCIAL performed a HARD pull on my credit on XXXX XXXX withoutmy consent. 

PERFORMANT claims the were authorized under FCRA to obtain my credit due to and account transfer, HOWEVER the date that PERFORMANT opened an account was like XXXX XXXX. 

XXXX MONTHS before the FCRA allowed. 

FUTHERMORE FCRA grants PERFORMANT authorization to do a soft pull not a hard pull