23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I opened an account with Truist Bank and was denied credit after completing my application. This was on XXXX XXXX. At that time they said they checked XXXX and that my score was too low to approve me and the letter they later sent said my score was XXXX. That is incorrect. My XXXX score at that time was XXXX. I am being denied credit illegally, forcing me to have a lower credit score than I have earned, causing me severe emotional stress, family distress and unnecessary hardship. 

This is clearly discrimination and according to your organization, the Consumer Financial Protection Bureau, denying me credit is discrimination. Under 12 CFR 202.4-Discrimination A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

The definition of discriminate according to CFPB : Discriminate against an applicant means to treat an applicant less favorably than other applicants. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 US.C 1692k. I have worked for years to raise my score and now that it is a XXXX according to XXXX, I am still being unlawfully denied credit. 

According to 15 USC 1681b Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.

This was not provided to me.

In section 15 USC 1681b ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; My reputation has been damaged and harm has been caused to me and my family. I also reviewed the list of creditors who pulled my file from XXXX and at no time does Truist bank show up as pulling my credit report from XXXX in XX/XX/2023. So they are not only unlawfully denying me credit but using data from an unknown source to claim I am not creditworthy.
Product: Credit reporting or other personal consumer reports

HYUNDAI CAPITAL AMERICA IS REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORT. THE INFORMATION THAT THEY ARE REPORTING PERTAINS TO A DEBT THAT I SUPPOSEDLY OWE THEM.

THE DEBT IN QUESTION HAS BEEN DISCHARGED BY THEM, THE CREDITOR AND I HAVE RECEIVED A 1099C, COPY B FROM THEM CONFIRMING THIS. ALSO HYUNDAI CAPITAL AMERICA HAS REFUSED TO STOP REPORTING MY TRANSACTION HISTORY AS I PREVIOUSLY REQUESTED. PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW RESCINDING ALL AUTHORIZATION GIVEN TO REPORT MY INFORMATION TO A THIRD PARTY AFFILIATE ; WHETHER WRITTEN, UWRITTEN, VERBAL, OR NONVERBAL PER 15 USC 6802, EFFECTIVE IMMEDIATELY AND INDEFINITLY. HYUNDAI CAPITAL AMERICA IS ALSO REPORTING A BALANCE OF {$1800.00}, ON AN ACCOUNT THAT THEY HAVE ALREADY WRITTEN OFF AND HAVE SENT A 1099C TO ME THE CONSUMER, CONFIRING THIS. THIS DEBT IS ALREADY DISCHARGED. THEY CAN'T COLLECT ON A CHARGED-OFF OR DISCHAGRED ACCOUNT. AFTER ALL, IT IS CONSIDERED TAXABLE INCOME AND INCOME CAN NOT BE REPORTED ON A CONSUMER CREDIT REPORT. I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR MONTHS AND HAVE YET TO GET THE INFORMATION REMOVED OR UPDATED ON MY CREDIT REPORT. 
IT IS THE CFPB 'S RESPONSIBILITY TO HOLD THE COMPANY ACCOUNTABLE AND TO REFRAIN FROM ALLOWING THEM TO REPORT INCORRECT INFORMATION ON MY CREDIT REPORT. I AS THE CONSUMER EXPECT THIS ISSUE TO BE FIXED IMMEDIATELY.
Product: Checking or savings account

They closed my account in XXXX. And i have yet to receive my funds and its XXXX near XXXX. Thus is Citibank
Product: Debt collection

Per response to my previous CFPB complaint of garnishing me without proper notification, Midland Funding indicated that their attorney, XXXX XXXX, would be refunding me for the money collected from my paychecks, including poundage fees. 

The garnishment has since been released and of the {$5900.00} that was garnished from me in XXXX and XXXX I have received a refund of {$4700.00} from XXXX and XXXX checks in the amount of {$550.00} each from the courts. 

This means, as of today XXXX, I am still due a refund of {$110.00} in fees withheld by the courts.
Product: Credit card

The Credit Card Issuer and Billing Company are the same : USAA ( united Services Automobile Association ), I a member XXXX. 

The company sent out a renewal notice in XXXX at the same time the insurance was being revised. They billed based on that renewal notice but then issue the policy was revised for {$200.00} less ( a car was removed ). I requested that they credit the card ( USAA Issued ) with the actual current policy amount. 

By phone I was told that USAA does not credit back changed policy amounts, even though the billed amount was not due. They sated that the change would be issued as a credit on some subsequent policy charge. Effectively they issue a charge on the card for services not provided. 

They aske for evidence. I sent them there invoice ( attached ) They responded ( attached denying the disputed amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Authorization needed STATUS Company responded there is an unauthorized third party on XX/XX/2021. THIS IS THE RESPONSE THAT EXPERIAN SENT WHEN I SENT IN A COMPLAINT THAT I AM A VICTIM OF IDENTITY THEFT. 
I HAVE SUMBITTED THIS COMPLAINT MYSELF, AND HAVE ALREADY GIVEN AUTHORIZATION THRU THE CFPB. I XXXX XXXX XXXX PERMISSION TO CONTINUE WITH MY COMPLAINT OF IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

You will find on page 1, the email transmittal received from Experian, and the subject title of the email was XXXX, want to add to your {$4900.00} in available credit? And in bold print the transmittal stated Lets that get you more credited to your name Further, Experian stated opening a new credit card with a higher limit cant be an opportunity to pump up your credit score over time to check out your top card matches today. 
I reasonably relied upon these fraudulent inducements to apply and applied for XXXX XXXX XXXXXXXX XXXX  XXXX ( Page2 ) Matched for you and was denied ( Page 3 ) denial letter.

If not for the fraudulent inducement of the email transmittals false and misleading statements that led me to apply has caused me injury in the form of an inquiry on my credit report that would not be there if I was induced to apply with a certain level of confidence in the communications of Experian. 
It is in the publics best interest that such fraudulent inducements in advertising and solicitation from a major credit Bureau with intimate knowledge of your credit status and using that status to induce the consumer to apply for credit that will harm their credit rating through the inquiry generated. 
I would not have applied in the absence of such fraudulent inducements and false and misleading information from major credit Bureau that should have known that their representations will be given greater weight than those directly from a creditor. Experians endorsement, here, is the fraudulent inducement which is not in the interest of the general public. 
And I would not have applied without such inducements that any reasonable person would infer that since Experian made the offer, being an authority in credit status, with intimate knowledge of my credit history, that when I applied, I assumed more likely than not I would be approved. Or else why did they solicit me in this matter anyways. I was not seeking any more credit. 
Based upon the foregoing, inter alia, if Experian does not remove the credit inquiry made by the credit card company Experian endorsed, then I will be compelled to file a class action lawsuit against Experian in the United States XXXX XXXX XXXX XXXX XXXX California. 
It is the Federal Trade Commissions duty to protect the public from fraudulent inducements and such fraud in the factum which occurs by deception causing consumers to misunderstand the nature of the transaction ( applying for credit ) and has a consumer I provided my electronic signature without the knowledge of its true nature. 
In the interest of consumers who may also be sent such fraudulent inducements in email transmittals from Experian which consumers foreseeably rely upon to their detriment.
Product: Debt collection

I am filing a complaint against the company for violating my consumer rights. I initiated a dispute and request for validation through the credit bureau and sent the company a written request for proof of this alleged debt. In this communication to them, I gave a reasonable time frame for the company to respond in writing ( 30 days ) and also requested that they cease and desist any verbal communication. The company has ignored my request for proof of this debt and has also violated the FDCPA by continuing to place calls to me. On XX/XX/19, A representative contacted me by phone against my wishes. I explained that I do not believe this to be a valid debt and advised her that I sent a request for validation with an updated address for all communication to be sent to me in writing. The collector told me they are not required by law to provide proof of the debt and would not be providing validation. I explained that the law states if they choose not to validate the debt, they must stop all collection activity which includes credit reporting. She proceeded to try and argue with me and started to raise her voice and speak to me in a condescending tone even while I remained calm and professional. This company is blatantly disregarding the FDCPA and FCRA. They are refusing my rights and also reported back to the credit bureau that the information is certified as accurate. They have yet to send me any documentation to validate this claim.
Product: Mortgage

I currently have an escrow account with Wells Fargo that was established after attempting to have my loan modified. I have documents from Wells Fargo during this process that stated that the escrow account would be removed if I did not qualify for the modification ( which never happened ). I was a victim of their predatory lending practices when they took over XXXX XXXX XXXX loans. I have submitted numerous complaints though CFPB regarding their lending practices, but they always find a loophole to wiggle their way out. This complaint is in regards to my property tax. I have made a formal request with Wells Fargo to pay my property tax independent from them. I am able to pay the first installment now, and will have the money to pay the second installment when it comes due. This is important to me since if Wells Fargo pays my property tax, it will increase my current mortgage payment which is already over {$5900.00} dollars a month ( at 7 % interest rate ). The representative I spoke to said that I would not qualify to pay the property tax on my own, and that they will pay it and my monthly payment will increase in XXXX. This is not fair! I feel that Wells Fargo is trying to push me out, and force me to loose my home. I'm mostly submitting this, just so it can go on record somewhere, because I'm sure like with other investigations by Wells Fargo, they will find a loophole to continue their unscrupulous practices.
Product: Debt collection

The collection agency Midland Credit Managment ( original creditor was XXXX XXXX ) send me a letter today stating that they will sue me, and take legal action towards a collection account. However, this account was deleted from my credit report on the three creditors : XXXX, XXXX and XXXX since the account met the requirements from FCRA. The account was opened in XX/XX/2014 according to their records and the amount owed is {$2000.00}. I called them immediately to resolved the issue and they kept accusing me and harrasing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank has failed to give me the option to give me the disclosure to opt out of them using my nonpublic personal information and giving it to any third party. This tradeline has been placed on my consumer reports. They have violated 15 USC 6802 ( b ) ( 1 ).

The CRA 's have violated 15 USC 1681b, I the consumer never gave any of them permission or consent to use/share/or report any of my nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 Medical XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX PL XXXX XXXX XXXX MO XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/2020, two accounts that I believe to be inaccurate. I included my reasoning in the dispute letters as well as all of my identification documents that the bureaus require. I never received any notices or anything that these accounts were being investigated. Because this went on for over a month, I sent another letter to the bureaus on XX/XX/2020. I still haven't received anything through the mail, email, nothing! Not even acknowledgment that my disputes were received, let alone being investigated!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Glory charges a non refundable set up fee of {$170.00}, in addition to a required subscription for {$99.00} per month. Then, after you've already committed, they tell you an additional monthly subscription to XXXX XXXX for $ XXXX is required for them to be able to even perform services. 

1 month into services, I received letters from XXXX and XXXX that a 3rd party attempted to start a dispute on my behalf but failed to identify themselves as my authorized representative. Therefore, no action had been taken on my account. So by this time, I was already being billed for a second month of subscription services. Fortunately, I was able to push my billing date back with Credit Glory enough to be able to see their results, which was no further along since the bureaus blocked action on my account. Therefore, I was only charged the 1 month of subscription for {$99.00} for Credit Glory. I was still charged 2 months for XXXX XXXX  As I understand, they are a separate company. However, Credit Glory is the original entity that signed me up and and took payment for both Credit Glory and XXXX XXXX  services.
Product: Credit reporting

I had a previous collection account with XXXX XXXX. This account was settled on XXXX/XXXX/XXXX and it was closed. As of XXXX/XXXX/XXXX i had a notice that there had been a hard inquiry on my experian credit report from XXXX, i contacted the agency and they told me that no one had ran my credit and my account was closed years ago. so they refused to help me. I contacted experian on the problem but they said that since it 's not fraud there is nothing they can do, i most contact consumer finance .gov and report them.. Please help.
Product: Checking or savings account

Early warning is damaging my consumer report with false information when I asked to be provide documentation of why Im in there consumer they told me contact XXXX XXXX Ive reach out to rXXXX XXXX  and have proof of letter and documentation that I done owe the bank anything early warning is failing me from my success
Product: Credit reporting or other personal consumer reports

I am filing a complaint with XXXX and Transunion for failing to update my address on my accounts after I disputed and told them that I no longer live at that current address anymore. XXXX and Transunion consistently responds within 24 hours stating that the account is accurate without providing any evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus on XXXX XXXX EQUIFAX, XXXX, XXXX, XXXX, XXXX XXXX to make them aware of the inaccurate information being reported. I received dispute summaries saying the information was validated. I responded and asked their validation process no one wrote back. I sent them the receipts from the XXXX XXXX paid XXXX XXXX on XX/XX/XXXX before they went completely out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX I contacted XXXX XXXX XXXX to tell them they are reporting my installment contract incorrectly and it is showing on all 3 credit bureaus as a mortgage. I have been turned down several times for an FHA first time buyers home loan because of this. I bought a trailer from Vanderbilt on an installment contract. This was not a mortgage, it was an installment contract - no land was involved, nowhere on the contract does it say mortgage, I did n't sign a mortgage, there is no mortgage recorded in the public records and the trailer is on a rented lot in a trailer park with the wheels and axles still on it. I voluntarily surrendered the trailer in XX/XX/XXXX. Per my request, Vanderbilt sent me a Letter on dated XX/XX/XXXX stating this was not a mortgage foreclosure but it is still reporting on all 3 credit bureaus as a mortgage, preventing me from buying a house. I 'm not sure what to do. I have been paying for services from XXXX for about 6 months trying to get my credit score up and now it was all for nothing because I have been turned down by several lenders because of Vanderbilt and now those hard inquiries have dropped my score from a XXXX to a XXXX. Please let me know if you can get this account to report as an installment agreement instead of a mortgage. 

Thank you so much! 
XXXX XXXX
Product: Mortgage

I fell behind on my mortgage after my payment went from {$1000.00} per month to {$3100.00} per month. It was an adjustable loan modification that expired. I hired an attorney to help me submit an application for a loan modification. That application was submitted on XX/XX/2019 at XXXX. On XX/XX/2019 I received a letter stating the application was incomplete and was missing two bank statements showing receipt of rent or two most recent deposited rental checks. This was a lie by PHH. My attorney confirmed two bank statements showing all rents were submitted with the original application on XX/XX/XXXX. My attorney decided to just resend the same bank statements that were included with the original submission again. My attorney states mortgage servicers will purposely say they are missing items because they want to stall and also increase the possibility I will not comply with their request and then they can foreclose on me stating it was my fault. On XX/XX/2019 I received confirmation my application was complete. Per my attorney RESPA Regulation X requires a servicer to respond to a complete application for loss mitigation within 30 days. The 30 days is coming up on XX/XX/2019. I was expecting PHH to comply with RESPA Regulation X and respond by approving or denying me for assistance. Instead, today I received another letter stating my application is now incomplete asking me for the same items that were already submitted on XX/XX/2019. My attorney says PHH is doing this because they are still trying to get me to give up my house, they have not completed their review in the time period required by RESPA Regulation X and this is their way out of complying with the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ), Federal Trade Commission ( FTC ) regulations, and XXXX XXXX guidelines. Equifax has unlawfully reinserted a previously deleted account, and I am requesting the deletion of this account from my credit report due to their non-compliance with federal law. 

The account in question, Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was deleted from my credit report due to either its age or because it could not be verified. However, this account has since been reinserted onto my credit report. Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c ( b ) ), an account that has been deleted can not be reinserted unless it is properly verified and I am notified within 5 days of the reinsertion. To date, I have not received any such notification. 

Furthermore, XXXX XXXX guidelines state that reinserted accounts must comply with reporting standards and be verified as accurate. Equifax has failed to provide proof of verification for this account. 

I demand that this account be immediately deleted from my credit report, as it was reinserted without proper verification and in violation of my rights under the FCRA and XXXX XXXX guidelines. I also request written confirmation of the removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting At XXXX XXXX XXXX XXXX  as 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, credit repair services, or other personal consumer reports

I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX authorized User account XXXX. This is a closed account that I am not financially responsible for please remove the negative item immediately. 
My name is XXXX XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!
Product: Debt collection

I've been divorced from my ex wife for 13 years now and have XXXX daughters with her. My ex wife husband adopted my kids so i no longer have any rights or guardianship with them. I agreed and signed adoption papers i want to say at least 7 years now. I recently checked my credit report and my ex wife used my information to be billed for a sleep wake company for our daughter without my consent. I am now in collections to pay {$92.00} dollars for the first accout opened in XXXX and {$1000.00} on the second accout opened in XXXX. I am not responsible for anything that pertains to my children with her because of the adoption and having no legal rights to make decisions on there behalf nor i consent to. My credit have been drastically affected by this debt. Ive been having trouble getting approved or open any accounts that i wish because of one of these debts. I would like to take legal action because its put an effect on my life and credit. I hope im writing to the right department and i can get some help about this situation. Thank you.