23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I applied for a HELOC with Figure on XX/XX/year>, and my application was denied. The stated reasons for denial included claims of foreclosure, bad credit, high balances, and multiple discrepancies that were not present on any of my credit reports, as confirmed by both XXXX and XXXX. I have never been in foreclosure, nor do I maintain high balances on my credit cards. My XXXX XXXX is XXXX, and I consistently keep my credit card debt below 10 %. 

After receiving Figures denial letter, I contacted XXXX directly to verify the accuracy of my credit report. XXXX confirmed that none of the cited issuesforeclosure, poor credit, or high balanceswere part of my credit history. They provided a phone number for Figure to verify this information, but when I shared this with Figure, they showed no interest in following up. 

When I requested a copy of the alleged credit report that Figure claimed to have used in denying my application, I was instead informed that the denial was due to a UCC filing. However, after further inquiries and review, Figure later confirmed that a UCC filing was not the basis for the denial either.

As a consumer, under the Consumer Protection Laws, I am entitled to access any credit reports that were used to make a creditworthiness decision. I have repeatedly requested a copy of the report from Figure to review the records that supposedly show foreclosure, bad credit, and high balances. It is troubling that Figure claims to possess a credit report with such inaccurate information, and I am seeking a copy of these documents to address and correct any potential misinformation. 

Despite ongoing email exchanges in which Figure promised to follow up, they continue to evade my requests for the credit report they deem accurate. For over a month, they have claimed to be " escalating '' my request, but for the past two weeks, I have only received stalling emails. Last week, instead of addressing my request, they suggested I reapply, which is alarming and dismissive of my concerns. 

At this point, I no longer trust Figure as a credible lender. It appears they are denying creditworthy applicants based on random, incorrect credit checks and failing to provide the required documentation to support their decisions. Under the Equal Credit Opportunity Act ( ECOA ), I am entitled to a copy of the report that Figure used to deny my application, especially given that XXXX has confirmed the inaccuracy of the denial reasons. I am filing this formal complaint to address Figure 's failure to comply with legal requirements for accuracy, fairness, and transparency in credit reporting.
Product: Checking or savings account

During the weekend of XX/XX/XXXX I received a call on my cell phone from someone identifying themselves as Citibank employee from the Fraud Department Telling me my citibank ATM was being used at XXXX to make a purchase in the {$800.00}. The had my last XXXX of ATM and my cell hone. I called the number showing on my cell and it was Citibank. I talk to them. They said they would send me a new card in the Mail. On Tuesday as I did not receive my card I called Citibank they said nothing was ordered but the fraud was clear. I called again on Saturday ( was sick that week in bed and could not talk ) and I was told my account had been hacked and the account was not accessible they could not talk to me. I went to Citibank XXXX XXXX in person and with XXXX forms of ID asked them what was going on. XXXX XXXX, a personal Banker told me it was standard procedure and that XXXX  account had been hacked so they do not want to talk over the phone. 
She looked at my accounts and I had XXXX with Citibank and was a customer for XXXX  years. She was going to close the XXXX other account an open a new one. Then she said she'd better call to make sure she could do that. When she called they said we should wait until Tuesday ( Monday was a Holiday ) and we should have gotten an answer. I asked if the XXXX accounts not hacked could be frozen. She did. I return Tuesday, Wed., Thurs. and there was no answer. Friday she called the fraud Department and they said as all accounts were frozen I could not get access to any funds. Actually they said they would not do business with me and I would receive a letter in 30-60days. This left me with not a cent. The Banker sent another message to try to get this resolved. I went again non Sat. no answer. I borrowed money from my partner and went open an account in another bank. I called Cal HR ( I work for the state of CA- correctional dept. ) and put a stop to my direct deposit. meanwhile I try to get funds from Citibank and I was hung up on when I asked how I pay my bills. 
As I did not see any check in the mail, I called calHR today and was told my paycheck went to my account at Citibank. leaving me yet again another month with no money. I called Citibank and got the same song and dance : " we will send you a letter in 30-60 days and we are closing your accounts. '' I can not get access to any of my funds leaving my to borrow from people. 
No one have wanted to talk to me, explaining what is going on. No one has offered any solution, no one has offered to give me access to even a cent. I have a fair amount of money in my accounts and I leave on borrowed money. This can affect my credit! Yet Citibank refuses to talk to me. Why are they kicking me out? Why do they need my money to investigate the hack? Why are they keeping the money on the XXXX other accounts, which were untouched? 
I have no document to give you as Citibank won't even talk to me.
Product: Credit reporting

In several different occasions I have tried retrieving my credit report via Experian and Annual Credit Report and every single time, Experian denies my request. Today, I signed up for XXXX XXXX XXXX, and I found out what the issue is, Experian has incorrect information on my credit report, incorrect DOB, incorrect Address, incorrect everything!!!! If I try to pull my credit report, using both the correct and incorrect information they have on my file, it is the same thing. I even tried uploading my documents via XXXX and the page is not working. Furthermore, I have tried calling the XXXX number, but it is impossible to get through a rep. Please assist in Experian providing my credit report, remove the incorrect information and remove the fraud alert that was placed on my file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Credit Bureau Name ( Experian, Equifax, or TransUnion ) Subject : Dispute of Incorrect Debt Reporting XXXX  Account XXXX To Whom It May Concern, I am writing to formally dispute an account that appears on my credit report. The account in question is a collection account from XXXX ( Account XXXX XXXX XXXX XXXX  originally owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX with a current balance of {$1600.00}. 

This debt is being incorrectly reported as my responsibility. However, this charge is related to an industrial accident that occurred while I was at work, and the full balance was covered and paid by Workers ' Compensation. Since this debt was not my personal financial obligation and has been settled by the appropriate insurance, it should not be reflected on my credit report as a derogatory mark.

I kindly request that you remove this inaccurate information from my credit report immediately. Please investigate this matter and update my report accordingly. Attached, you will find supporting documentation, including any relevant Workers Compensation records and payment confirmations, to verify that this debt should not be associated with my personal credit history.

In compliance with the Fair Credit Reporting Act ( FCRA ), I expect a response to this dispute within 30 days. If you need any further information, please contact me at the address or phone number listed above.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been dealing with Equifax and XXXX XXXX 's intentional aggressive negative reporting for lowering of scores for paying off debt. They are consistently lowering scores for any reason while, XXXX is steady. 

When we address this with Equifax, they immediate increase the credit scores. I have has to ask XXXX XXXX to investigate accounts and remove accounts. 

They are scamming consumers with fake and aggressive score lowering and finding any reason to lower scores.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I called Westlake to defer a payment that I was late on for this account. They told me that was done. I signed the paperwork and a couple days later my vehicle was repossessed. I called them to find out what was going on and they told me they needed {$1000.00} in order to reinstate my account and get my vehicle back, I am senior citizen. Im on XXXX and I work part time just to make ends meet. I knew I was behind on this payment and I called you rectify the situation now I called them because they repossessed my vehicle and they tell me I need another {$1000.00}! I didnt pay my rent so I could have this money and I got them paid. They Told me they would send a release document the following day to the tow company and I would be able to pick up my vehicle. I called tow yard and they told me that my vehicle had already been sent to the auction yard. Westlake had sent the release papers to the wrong place. I called Westlake to find out what was going on and they told me I needed To pay another {$940.00}!! in order to get my vehicle back that they had made a mistake on the amount and that my deferment had not gone through. Im attaching documentation that it did go through and that they did receive my payment. I paid the amount they requested. I was assured when I made this payment that it would be taken care of. It would be no problem that I could get my vehicle back just to set an appointment with the repo company now they are. refusing to do anything until I give them another {$940.00}. Im going to be homeless!! because I didnt pay my rent in order to get paid so I can get back-and-forth to my part-time job. Without that vehicle, I cant go to work to pay any of my bills. I used my XXXX Social Security money to get them paid!! theyre telling me theres nothing they can do.
Product: Checking or savings account

have been a victim of online fraud for the past 3 months and no one has been helping me in this process. 
A total of {$4300.00} was stolen from my bank account, using my debit card online. 
These charges were made using card number XXXX and XXXX. I bank with XXXX XXXX and they were informed of these charges. 
These charges were made, seemingly under the name Paypal. I called Paypal immediately following XXXX Monday and explained that I had noticed what looked like double charges or unauthorized charges on my account. They explained to me that I was going to be reimbursed and that these charges were going to drop. 
A very small number of these charges were put refunded and put back into my account, not all of them and then new charges started appearing. 
I've contacted Paypal multiple times and eventually, via XXXX one of their representatives told me to pursue my bank for these charges because they couldn't help me. 
I then contacted my bank. I printed and handed them the complete transaction list with all the unauthorized transactions marked out, a copy of all my Paypal activity page ( to compare with the authorize transactions ), a copy of my XXXX  activity and purchased Items page ( for comparison ), a cover letter explaining these charges. They kept all these documents for three days before calling me back to let me know that it was too much paper work and that they couldnt get it all done in time. 
I took the documents back and for the next four days I worked on completing out 114 dispute files and turned them in with my cover letter, another more recently copies of my Paypal Activity page, updated XXXX Purchased list, my police report information, a copy of the transcript of my communication with Paypal ( in which they tell me to pursue this through my bank ) as well as separate information and files about two other charges that were not Paypal related that I was disputing. and turned them in. 
After 13 days I contacted XXXX XXXX today and was told that my dispute was declined because the investigator had contacted Paypal and was told that they have been working with me on resolving this and that I would be refunded through Paypal directly. The XXXX XXXX representative also told me that I should receive a letter in the mail explaining that.
Product: Credit card or prepaid card

Applied for Bank of America XXXX XXXX credit card via phone using my XXXX passport number since I do not have SSN/ITIN. Also, I am a new customer of their bank. Opened checking and savings accounts weeks ago ( XX/XX/2020 ). Since I am a new customer, I expected bank 's credit analyst was lenient on my application considering I do not have a US credit file and is trying to build one, however, how can I do it without any US credit card to start with? Application was declined and received letter from the mail about the decision. Reasons for decline were insufficient number of established credit references, insufficient established revolving credit accounts and limited deposit/investments balances with the bank. In my opinion, these decision outcomes were normal for an applicant with no US credit history and is just starting to build a relationship with the bank. They should be considerate and give chance to new customers on how to handle credit responsibly. It is true that we are in the COVID-19 crisis and that the economy is unstable, however, that does not mean that every new customer of their bank will have the tendency to misuse credit, indeed, they misjudged my application on the basis of no established US credit history and limited balances on my bank accounts with them. Let us not be PREJUDICE. I believe, the reasons that were mentioned above were not bad at all and can be reconsidered if they just open up their minds and be considerate. How can you gauge a customer 's ability to repay and on time if he/she does not have anything to start with? The key here is to establish a good relationship with the bank and build trust. I am hoping that Bank of America credit card department will reconsider my credit card application.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/2023, I noticed two charges on my TD bank credit card in the amount of {$310.00} each for XXXX XXXX tickets. I immediately called the bank because the charges were still " pending '' and I was told until they posted there was nothing that could be done about it. Once the charges posted, I called back and disputed the purchases again and they gave me a provisional credit for the {$620.00} that was charged to my account. Next month, I was checking my account and noticed the charges had re appeared. I called the bank back to find out if my new credit card was also hacked, and they explained to me that they took away the provisional credit because the purchase was made using my card number and the zip code and CVV number which meant it wasn't fraud. I have since appealed the case 3 times, all being denied and I don't know what else to do. I have done everything that the bank has asked including fling a police report and bringing them a copy of it. I didn't make these purchases and I called and let the bank know they were fraudulent before they were even posted. The bank is now insisting I contact the FBI and fill out a report with them. I currently have spent over 5 hours on the phone and had to take off of work for 2 days in regard to this situation. I feel scammed by the credit card company because I let them know right away that these purchases weren't made by me and they did nothing about it and now they say there is nothing they can do.
Product: Debt collection

On XX/XX/, I rented a car from XXXX XXXX XXXX XXXX and returned it the same day. I went through the normal and thourough check up that they do at the drop off location in XXXX, VA where I wasnt informed of any damaged done to the vehicle ( since there wasnt any ). I received a mail from viking billing service that I have damaged the entire front hull of the rented car and that I had a debt of approximately XXXX XXXX How could the entire front hull be destroyed without being informed noticed at the drop off location and not informing me witn anything at the time? Anyways, I paid insurance for this trip but the insurance requires an incident report showing how and where the damage was done. I dont have an incident report and Ive been asking viking billing service to provide with one for more than a year now ( more than 20 phone calls with them ). Viking billing service did not inform me of the option to dispute. 

It shouldnt be my responsibility to pay for something that wasnt pointed out to me at drop off. Leaving that aside, the insurance company which I paid for also wont accept to pay for the charges since viking billing service wouldnt give me a valid incident report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived in Texas. The address in Texas is not me. Thanks
Product: Credit reporting or other personal consumer reports

Dear CFPB I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

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 USA 1681. The accounts below have violated mi rights. 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. 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 them of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.SC 1681s-2 ( A ) ( a ) 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 delete the accounts below.
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND EMAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FUTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERLY IMPACTINY MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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. 

XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX  Collection # XXXX, XXXX XXXX # XXXX
Product: Credit reporting

FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.