23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint against Suntrust for denial of Loan Application : On XX/XX/2020, my husband and I was denied a home equity line of credit. The reason for the denial stated we did not have enough equity in our home. At the time my credit score was XXXX per the denial letter received from Suntrust and my husband 's score was in the very high 600 range. We have banked with Suntrust for over 15-20 years, our combined checking/saving balance at the time was over {$22000.00}. We maintain a monthly average balance between {$17000.00} - {$25000.00} between both accounts. 

As a real estate professional for 21 years. I was puzzled because of the denial, especially since the bank did not do an appraisal and when I called to request a reason for the denial the customer service representative was very vague and offered no answers based on what the denial letter said. 

As for the appraisal, if the bank had in fact did an appraisal for our home and the surrounding homes, Suntrust would have learned that our home value was far beyond the amount that my husband and I was looking to borrower. Surprisingly, I will admit Suntrust blatantly refused to approved our equity home loan, due to other conditions that did not involve our high credit scores, our on time payments history or our stable income. I believe without a doubt we were denied because of our race and the location of home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.
Product: Debt collection

I'm asking the credit bureau to fix the negative status on these accounts. My husband handled the bills, but since his passing in XXXX, I wasn't aware of the steps. Despite talking to the banks and them agreeing to update the status, the credit bureau verified the information. I've tried multiple times to dispute and get proof, but there's been no response, violating the FCRA. Please delete the late dates as they're unverifiable and causing distress after my husband 's death in XXXX.
Product: Debt collection

XXXX XXXX purchased a fraud account from Community XXXX. Date unsure. Recieved my first collection letter from XXXX early 2021. Collection call from XXXX explaining fraud. Sent a certified letter to XXXX XXXX explaining my ID theft after XXXX threatened a court case; included was a victim restitution form from the city of XXXX Colorado. I have the Receipt of the certified mail i sent to XXXX XXXX XXXX continues to call me almost every day. Im am be harrassed by their incompetence to receive and properly read a letter sent almost a year ago. Now as of this date my credit score is being impacted by their negligence.
Product: Student loan

My monthly payment is set up on auto pay, in addition to that payment I 've been making principal payments to the loan and requesting that the due date not be advanced. However, the due date was advanced anyway and is currently XXXX 2018. I have contacted Nelnet twice in regards to this, the first and second week of  XX/XX/XXXX and have not received a response back. This is not the first time this has happened to my account, the mistake to the payment application or Nelnet 's  complete lack of response to my inquiries.
Product: Student loan

I have on several occasions since graduating to defer or even ask for info on my loan and getting options to lower my payments. They would not give me options and often times they would refer me to scare tactics and make me feel uncomfortable and force me to agree to higher payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX 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 an account without my written instructions. 
This account reported twice on Transunion, and based on my knowledge I don't owe this debt collector.
Product: Debt collection

A an agency called Delta Outsource Group claims they are collecting a debt for XXXX XXXX  - XXXX. However, I settle that debt with another debt thru a consolidation company called XXXX XXXX who negotiated a settlement, which included decreasing the balance, with XXXX XXXX and another company. I paid XXXX XXXX approximately {$250.00} per month for 2 -3 year, ending in 2016, with which XXXX XXXX paid the XXXX XXXX and the other company 's attorneys and told me not to reply to those companies when they contacted me. I did as they said then the debts was settled. I still have records of my payment information with XXXX XXXX. 
Now Delta Outsource Group claims I owe the approximately $ XXXX that was already paid thru XXXX XXXX. Delta Outsource Group claims that doesn't show in there system. If they continue to try to collect money from me I will go to court with this issue. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries that were placed on my credit report on XX/XX/XXXX and XX/XX/XXXX from XXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiries. I received the copy of the application today XX/XX/XXXX, this application was submitted fraudulently.
Product: Student loan

Navient student loan pushed me into forbearance years ago, which lets me take a short break from making payments. Interest payments on the loans continued to grow during this time which is illegal. I started with a {$17000.00} loan back in XXXX and now the balance is well over {$23000.00} in XXXX! I feel I have been deceived and taken advantaged of and looking for COMPLETE financial relief along with the other XXXX XXXX people that they have scammed for making my life a living XXXX. This has put such a burden on not only me but my family who is trying to purchase our home to raise a family but these CROOKS seem like they " Stealing '' the American Dream, no pun intended.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX Balance : {$790.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX* Balance : {$0.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX* Balance : {$1500.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX Balance : {$710.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for an account that was paid in full with capital one. XXXX XXXX has reported it incorrectly forthe second time as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to let you know that upon obtaining a copy of my updated Credit Report, you have failed to comply with my previous request and you continued reporting the disputed items as if they have been verified. I requested that you remove the disputed accounts and information that resulted due to my identity being stolen in accordance with the Fair Credit Reportin Act section 605b. However, I see here that you are still repoting the disputed accounts like they were accurate and yet you have not sent me any documents to support your claims. Please comply with the Federal law and have the disputed items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you believe that the disputed items belong to me, I request you to please send me any documents you found proving that the disputed items are legally mine. If you fail to provide these documents within the time allowed by law, I expect immediate deletion of the disputed items.
Product: Student loan

All student loans have been paid in full for many years. They were handled by NelNet and were obtained when I applied with XXXX University Online, many years ago. Today, around XXXX XXXX  or so, I received a phone call that left a voicemail saying I need to discuss repayment options on my federal student loans. I tried calling back the caller ID number but received busy signals. I also called the number left on caller ID. However, this number uses a prompt system asking you to identify if you have dept or do not and want to be removed. If you do not choose a prompt, you are disconnected. This truly seems like a vishing attempt to identify who are targets that actually have federal student loan debt. Additional information is below and I attached a copy of the voicemail left by the fraudster. 

Caller ID displayed : XXXX The name used by the caller : XXXX XXXX Call back number left on voicemail : XXXX ADDT NOTES : This complaint is not against NelNet ( the loan services provider ), but I had to choose someone to move forward. This complaint is against whoever is attempting to defraud those who hold or have held federal student loans. Fraudsters could have easily obtained this information from the XXXX  or other data breaches.
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 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: Credit reporting or other personal consumer reports

This is my six 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 an 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
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 # 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: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX, IL to purchase a vehicle. I consented to them running my credit for a XXXX XXXX XXXX. They ran my credit 12 times for hard inquiries. I went ahead and signed paperwork for the XXXX XXXX  that day and they had to put it through the shop. On XX/XX/XXXX salesman XXXX texted me and said the vehicle needed a new engine and that I could either continue with the car or they had a XXXX XXXX for me for {$600.00} a month. I said to go ahead and fix the XXXX XXXX. On XX/XX/XXXX they continued to run my credit an additional 7 times for hard inquiries for a XXXX XXXX that I did not consent to. I have called the company multiple times and left messages for the finance manager. He has not returned my calls. Today XXXX XXXX I called the GM XXXX and he said he would look into it and call me back. Instead I get a message from the salesman once again asking how he could help. I did not consent to XXXX running my credit that many times and they are not willing to explain to me why they ran my credit that many times nor explain to me why they ran my credit for a vehicle I did not consent to.
Product: Payday loan, title loan, or personal loan

I used their service in XX/XX/XXXX or XX/XX/XXXX and ultimately had medical issues that forced me to fil for Bankruptcy in XX/XX/XXXX. 

Today, after more than a year, I received a call from XXXX XXXX at XXXX  ( she claims is a collection company working for XXXX. Her phone number XXXX ext XXXX. She has called my home, my cell and my work today to threaten to send an officer with paperwork tomorrow morning. 

I reminded her that I had filed for bankruptcy and she said they would file another type of charge against me if I didn't agree to pay a settlement amount.
Product: Debt collection

I received a call and then a letter from AvanteUSA claiming to be a debt collecting agency for almost {$4000.00} for XXXX XXXX XXXX XXXX. I have never been there. I called the hospital and verified that they have no account under my name with my address or my birthdate. I called AvanteUSA, spoke to a woman who stated that her name was XXXX XXXX, and she stated they received the debt from " XXXX XXXX ''. I advised that I have never received care at that XXXX  and I believed this to be a fraud attempt. She stated that she would " remove that address from the account '' but did not state anything about a date of birth or social security number. When I told her I thought this was a scam that was part of a larger " credit repair '' scam, she hung up on me. 
This is the third time that a XXXX family member has experienced this. XXXX of those times resulted in additional fraud from the " credit repair company '' that is listed on XXXX to " help with fixing credit from negative credit reports from AvanteUSA. ''
Product: Checking or savings account

well XXXX XXXX  store took XXXX from my account without my consent. i disputed it an my bank sided with XXXX, then my ex girlfriend gave men her key on the XXXX of one month an two men entered my home an robbed me a total of XXXX cash, I tried to tell bank that they took my debit card an it had like XXXX dollars on it an they just let them get away with that it had a pen number on my debit. They never sent the info so i could give to police either..an the time when I order an XXXX XXXX from XXXX for XXXX dollars an the mailed me a plastic bag in which I still HAVE IN MY CLOSET. I told my bank and the sided with XXXX on that ;, can you help me please. my bank don't back me ever..
Product: Credit card

Applied for Credit Card and was denied twice XXXX and XXXX. 

15 U.S. Code 1691 - Scope of prohibition States ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 

I believe that I have been a victim to the law when I more than qualify for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights to privacy pursuant to 15 us 1681 b 2 company has also no permission to report anything using my information 15 usc 1681 4.
Product: Credit card or prepaid card

Bank of America Complaint ID number : XXXX I have a Bank of America cash rewards credit card and my BoFA bank branch is in Pacific Time zone. The credit card statement, bank website and mobile app advertises the due date as XXXX every month. I always make my payment online before the due date Pacific Time assuming that due date advertised is as per the time zone of my bank branch. However, I was still charged late fees. This happened for following months : 1. XX/XX/XXXX - Late Fee {$25.00} + Interest {$11.00} 2. XX/XX/XXXX - Late Fee {$25.00} + Interest {$25.00} 3. XX/XX/XXXX - Late Fee {$39.00} + Interest {$3.00} 4. XX/XX/XXXX - Late Fee {$39.00} + Interest {$10.00} 5. XXXX XXXX - Late Fee {$39.00} + Interest {$11.00} Issue Timeline : 1. XXXX XX/XX/XXXX : I noticed this issue and filed a complaint with bank. I was, however, informed that the payments are expected to be received by XXXX Eastern Time. The agent reverted late fee forXX/XX/XXXXas courtesy. However, she expressed inability to revert late fee charges for preceding months. The on call agent promised to escalate the issue and promised a call back in 24 hrs. 

2. XXXX XX/XX/XXXX : I received a call back from the bank. However, the agent was unable to help me and promised to further escalate the issue. She also promised a call back in 48 hrs. I never received this call. 

3. XXXX XX/XX/XXXX : After receiving no call back, I called the bank to followup on the complaint state. On call agent expressed inability to help with the issue and advised to wait more time for review process to complete and receive a call back. He also recorded my complaint about no call back received. 

4. XXXX XX/XX/XXXX : Having still not received any call back from the bank, I again called the bank to followup on the issue. The agent informed that bank is not able to refund the late fee charged since the XXXX XXXX XXXX document specifies the due date as XXXX of every month Eastern Time. 

I have had this credit card for over 3 years now and I have always made my payments on time without issues. The credit card statement, bank website and mobile app fail to specify time zone for payment due date which led me to believe that the due date is with respect to location of my branch. I feel that the bank is providing incomplete/incorrect information causing confusion about the actual payment due date and time leading to late fee payment fines. In addition, it is impractical to expect a consumer to read XXXX XXXX XXXX document for payment due date every month before making payment especially when the due date information is advertised on credit card statement and bank website. 

A screen shot of the credit card statement and bank website with payment details has been attached.
Product: Credit reporting or other personal consumer reports

TRANSUNION is obligated by the FCRA to report accurate information as it relates to consumer reporting. Please be advised that the inquiries from XXXX and XXXX XXXX are being reported are FRAUD. This is identity theft, as I did not give said companies written authorization to add any inquiries to my credit report. TRANSUNION has 4 days to remove the inquiries pursuant to 15 U.S. Code 1681c2 -Block of information resulting from identity theft In addition, this is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that TRANSUNION provide the documentation used to determine that the inquiries were indeed authorized by XXXX XXXX, the consumer. TRANSUNION will need to provide me with the person to whom they spoke, the documentation used, and signed authorization with my wet ink signature. If TRANSUNION does not have the documentation to show these inquiries were in fact authorized, it must be removed ASAP. The inquiries reported are adverse and derogatory in fact and in principle, and their reporting is in violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer.
Product: Credit reporting or other personal consumer reports

Barclays Bank did a hard inquiry on my XXXX report that I did not authorize on XX/XX/year>. I never applied for credit on XX/XX/year>XXXX  with any company.