23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a pre-approved application for a credit card from Citi ( bank ) / XXXX XXXX XXXX XXXX XXXX XXXX. I went on line to complete the application process and was declined. I followed up and called the number on the application and went through the application process with a representative. Again, at the end, she said it was declined but refused to state why. The individual on the phone would not provide a reason for the decline and said that Citi would send a letter explaining the reason. 
The letter from Citi was received on XXXX XXXX, 2016 and provided the reason for declining the application. It stated : " Too few satisfactory credit references were recorded on your credit bureau report '', and " The consumer reporting agency serving your area has reported only a limited credit history for you. '' The credit bureau used was XXXX. 
I obtained a copy of my credit report and it stated, " There are XXXX potentially negative items on your report. '' It also said, " You have XXXX accounts in good standing in your report. '' Additionally, my husband and I both have XXXX credit scores at all bureaus. 
I called the number on the letter ( XXXX ) and spoke with a XXXX ( # XXXX ) about the letter. My husband spoke with XXXX for a majority of the call. He explained that we have a copy of the credit report and shared what it said. There were no negative items and all accounts were in good standing. 
XXXX said he was looking at the report as well and did n't understand why it had been declined. Everything looked good. 
XXXX put my husband on hold several times while he could try to locate a supervisor so that we could restart the application. Again, several times, XXXX stated it was, " ... weird and I 've never seen anything like this. '' After 27 minutes, XXXX stated that they would not be able to process the application. He would not provide an explanation for the decline. 

Based on the credit report, credit ratings, and our income level, there was no reason to decline the card. The only explanation would be either discrimination against me for being a female or being married. There is nothing in the credit reports to substantiate a decline of this credit card. 

As a note, neither my husband nor I carry any credit card debt. We have a home mortgage and a small consumer loan of approximately {$5000.00}. That is the extent of our debt.
Product: Student loan

Saving on a Valuable Education ( XXXX ) Plan Enrollment Request Statement of Earned Income XXXX To Whom It XXXX Concern Nelnet Student Loan Servicing, XXXX XXXX from my IRS XXXX XXXX form was {$53000.00}. However my current projected income for XXXX has been drastically reduced. I briefly worked at ( Employer A ) earning $ XXXX Full Time, XXXX hours per week, from XX/XX/XXXX - XX/XX/XXXX and earned a total of {$3400.00}. Ive just been hired at ( Employer B ) earning $ XXXX XXXX XXXX, XXXX hours per week, from XX/XX/XXXX - XXXX. I expect that my earned income from this position will be {$2000.00} per month for the remainder of XXXX. My earned income projection for XXXX is $ XXXX. 

I have reviewed the available student loan repayment plans on the XXXX Department of Education website and submitted multiple requests to remove the administrative forbearance with a 7 % XXXX in favor of enrolling in the Saving on a Valuable Education ( XXXX ) Plan. The XXXX repayment plan would allow me to have a {$0.00} payment and 0 % APR. I have repeatedly selected the plan with the lowest payment AND the lowest interest rate only to be rejected by Nelnet. XXXX requesting the immediate removal of the administrative forbearance and enrollment in the XXXX on a XXXX XXXX ( XXXX ) XXXX. 

XXXX disputing the interest capitalizing on the loans at a rate of 7 % APR and requesting that Nelnet immediately cease accrual and remove it from my loan balance. Nelnet is in violation of the loan repayment terms I agreed to when applying for the Saving on a Valuable Education ( XXXX ) Plan on the XXXX Department of Education website.
Product: Mortgage

Shellpoint will not work with me according to XXXX servicing guidelines. 

I was impacted by XXXX, it took months for them to figure out my fatigue and shortness of breathe and other symptoms were the result of XXXX and XXXX. The XXXX  would not let me XXXX  remotely and did not renew my contract. I am on XXXX, XXXX, and XXXX. In addition to being sick, I am at high risk for XXXX. 

XX/XX/2021, At Shellpoint 's request. I submitted a completed borrower 's assistance application at Shellpoint 's request via email. I attaching all the documents for the completed borrower 's assistance application. 

XX/XX/2021, Shellpoint did not provide any of the XXXX XXXXXXXX servicing options. 
I completed a trial modification, but Shellpoint did not offer a modification. In the letter, Shellpoint holds me accountable for their error in contradiction to Regulation X 1024.35 ( a ) and ( b ) ( 1 ) XX/XX/2021 - Shellpoint will not work with me on XXXX servicing by asking for non-existent documents, and duplicates. 

XX/XX/2021, I provided Shellpoint a copy of the XXXX XXXX XXXX servicing guidelines and asked them to provide my options. Shellpoint will not respond.
Product: Credit card or prepaid card

A couple of fraudulent charges were posted to my account on XX/XX/XXXX. I immediately contacted the company to report them. After a " review, '' according to a letter dated XX/XX/XXXX, they have reinstated one of the charges, for {$31.00} to " XXXX XXXX XXXX, '' because I supposedly " received benefit from this transaction. '' I did not place or authorize the placing of any order from " XXXX XXXX XXXX, '' and discarded the package that arrived from them. Under no circumstances should I be liable for goods I never ordered, much less those ordered fraudulently!
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX, and XXXX XXXX, has failed to investigate my disputes annd unauthorized inquiries under the fair credit reporting act. I have disputed this information XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. The consumer financial protection bureau has recently filed a lawsuit against XXXX for not investigating, passing information for investigations, excepting unreliable responses, and not notifying consumers. Also, XXXX, Equifax, and XXXX have reported over the past two years of data breaches on all consumer accounts, including mine. These failures with XXXX, Equifax, XXXX, and XXXX XXXX are aligned with what the lawsuit is currently about. This is causing great harm to my livelihood, credit standing, housing, employment, and health and well-being. I am requesting immediate correction and removal of the disputed accounts, freeze on all of my credit reports. They are in violation of federal law and my consumer protection rights.
Product: Debt collection

This company calls my number asking for someone that I do not know & have been doing so for years. Now, it's much more frequently and they're threatening to take away the person 's driving privileges. Today, for example, they called twice within XXXX minutes of each other. I've stated to them multiple times that they have the wrong number, its harassment, and to remove my number as it's on a " Do Not Call '' list. Their call id is XXXX, their number is XXXX ext. XXXX, and the company is NCS ( National Commercial Services ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXXXXXX XXXX XXXX account # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXXXXXX XXXX # XXXX, has Violated my rights. 

XXXXXXXX XXXX  XXXX XXXX # XXXX, has Violated my rights. 


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

15 U.S.C 1681 section 604 A. 2 : It also states a consumer reporting agency can not furnish account without my written Instructions.
Product: Checking or savings account

I have written several letters, sent emails, and called. I am trying to settle two accounts I had with Bank of America, and they are refusing to give me a settlement offer. One account was overdrawn {$480.00} and another account {$590.00}. I don't have the money to pay these in full, and really don't feel like I should have to because Bank of America did not receive any principal loss, and the money they are asking for is for overdraft fees, not actually money that I spent. I am willing to try and come to some type of agreement and pay money a settlement for these fees. The last time I filed a complaint the response verbiage was rude and I was not trying to open a new account. I am fine that do not ever want to have a banking relationship with me ever again. All I am asking is to settle these accounts and move on. I have been working on paying my past debts and people make mistakes. I have to wait seven years anyway to get these items off my XXXX XXXX and XXXX even if I paid them in full they would still be reporting it. All I am asking for is a settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX ) Amount : {$2100.00} 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 * 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 caus
e to believe that the information is inaccurate.

The credit bureaus keep disregarding the laws. According to 15 USC1681i ( 5 ) & 15 U.S.C. 1681s-2 ( A ) ( 1 ) the credit bureaus said everything was complete and accurate and I asked them how if the contact information is wrong and the IP address doesn't track to me. This violation after violation is causing me anxiety and a lot of stress as I have no faith with this system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report with FTC due to inaccurate information reporting on my credit report and no one is helping me.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX security XXXX Bank XXXX. Mortgage XXXX Bank of American Bank XXXX Bank XXXX XXXX XXXX case XXXX XXXX Customer service Group XXXX XXXX XXXX # XXXX XXXX Texas XXXX XXXX Saving and loan XXXX, failed closed in XXXX Home savings and loan XXXX XXXX bank XXXX XXXX Bank XXXX saving and loan Bank closed XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Fax XXXX. 

XXXX XXXX committed fraud, Fraud, forged deeds loan documents identity she put never Been married on XXXX XXXX my husband death certificate I was married to him 28 years
Product: Credit reporting or other personal consumer reports

Dear DataX, Ltd., I am writing to request a copy of my consumer report as permitted under the Fair Credit Reporting Act ( FCRA ) and to demand that you immediately freeze and cease sharing any information regarding me with third parties.
Product: Debt collection

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The accounts shown above are duplicates collection accounts. Multiple collection accounts for one assumed debt is an illegal reporting practice.

2. The accounts shown above have different balance owed amounts, which clearly proves inaccuracies in XXXX XXXX XXXX illegal reporting practices. 
3. The accounts reported above are not my debit, and I have no knowledge of them. 
4. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves XXXX, XXXX illegal reporting practices. 
According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under XXXX XXXX Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

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

I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Per my last complaint, the companies involved did not adhere to my legal request of providing me with thorough evidence of a proper and legal investigation with proof of validation of my accused ownership to said accounts, in which if they couldn't provide were to be deleted immediately.
Product: Credit reporting or other personal consumer reports

Be sure to read the following file below attached. I would like for you guys to analyze my report along with my letter stating that these accounts and inquires doesnt belong to me. Remove these fraudulent accounts immediately. It is affecting my report and I have great payment history and a good report these items are affecting me and destroying my character.
Product: Debt collection

For approximately 14 months, Army and Air Force Exchange Services ( AAFES ) has been collecting a debt owed. The statement comes from the AAFES   collection Department. They are charging XXXX $ each month. They are only applying XXXX $ to the account. When I called today, XX/XX/2018, to ask about this, they told me I had to contact XXXX XXXX XXXX ( XXXX   ) who is the actual holder of the debt collection. XXXX   informed me that there is a {$24.00} transaction fee. When I asked for a payoff amount, they said they couldn't give me one and i needed to contact AAFES. This seems like a very illegal practice for them to charge me for a fee when the other company is the holder or vice versa. I also asked for a history of statements to verify if this has been going on the whole time and both AAFES and XXXX said the other could provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Vehicle loan or lease

My brother used my information to obtain a car loan without my consent or knowledge. I reached out to the company to rectify this issue and remove my name from the loan with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX {$2100.00} - inaccurate status, remarks and payment history XXXX. XXXX One/Walmart- {$1200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$2600.00} XXXX inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX added to account were incorrect XXXX. XXXX XXXX XXXX {$1600.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX {$880.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$1000.00} - inaccurate status, remarks and payment history XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} - inaccurate status, remarks, and payment history XXXX. Finwise/OppLoans - {$2800.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX {$1800.00} - inaccurate status, remarks and payment history XXXX. XXXX Department XXXX- {$3200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX pay status and payment history XXXX. NC XXXX- {$7400.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX- {$9300.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$4700.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX remarks and payment history XXXX. XXXX XXXX - {$2400.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$2700.00} and {$1000.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX credit card- {$9700.00} - inaccurate balance and credit limit and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$660.00} - inaccurate status and payment history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX remarks and payment history 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681, Section 604-A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$1700.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2000.00}
Product: Debt collection

- Signed a lease with a company called XXXX XXXX XXXX in XXXX, Illinois. At the end of the lease, I was charged for moving out and the outstanding balance was XXXX. I sent them e-mails requesting proof of the damages and documentation about the fees and only heard from them once but they didn't reply after that. 
- 6 months later I receive a notification from XXXX  that my account now has a collections item. 
- I have never received any phone call, e-mail or mail from the collection agency. 
- Called the collection agency and they kept putting me on hold and hanging up. 

Moving out date : XX/XX/XXXX E-mail Realty company : XX/XX/XXXX, XX/XX/XXXX Notification from XXXX : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6200.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have contacted Citibank Best Buy and spoke to XXXX ( Rep Id # XXXX ) in regards to applying to a two interest payment adjustment and for a deferment on the monthly payments. The associated advised that Citibank has no plan in place. I live in the state of New York and we are deeply affected by COVID-19. This is unacceptable and Citibank should have a contingent plan in place for such a catastrophe. Please have someone that is more competent in applying the interest charge credits and implementing the deferment.
Product: Debt collection

this is regarding an audit, I was having issues getting an audit done which im still currently working on and the company that handles it turned it to collections until we get the amount resolved. XXXX of 2019 I received notice we owed {$9300.00} and I called and told them it was not correct we had some issues to resolve. This place in turn has call my mother in laws house phone not once not twice three times since and each time has told her the we owe {$9300.00} and she needs to let us know to contact them. I understand they do call relatives in certain instances but to tell her the amount owed? That I thought was against the law. Everytime they call and she calls us to notify us they called she tells me the exact amount. I would like to know how we can handle this because I do not appreciate people/family knowing our business. I have not received any other emails for payment but the one in XXXX and yes they have called my husbands phone and i have called myself but never get to speak with her. It always has a voicemail stating email me at this email.