23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Demand for HELOC to be Modified and Approved. 

Associated Bank has violated ECOA ( Equal Credit Opportunity Act ) when it denied our HELOC based on our national of origin, our age, and by steering us to refinance instead of getting HELOC. The bank denied it although we have met all its requirements. 

After submission our HELOC application on XXXX/XXXX/XXXX, a representative from the Bank called me and inquired the following information : Our home country. I answered XXXX. 
Our ages. I answered I am XXXX and my wife XXXX years old. 
If we were affiliated with any XXXX  political groups. I answered no. 
If we were carrying XXXX  Passports. I answered no. 
Then, on XX/XX/2023, the Associated Bank sent us notice of action denying our HELOC application. Then on XX/XX/2023, XXXX  Bank said in its letter our application was processed without wrongdoing occurred claiming that it was denied because of the following reasons : 1. 48 months have not passed since my wife bankruptcy discharge. 
2. My wife did not re-established Credit Depth by establishing four ( 4 ) trade lines. 
3. Not enough information to verify all income sources. 
Then we responded and explained in detail that reasons 1 & 2 above were null and not true based on the following facts : a. Regarding # 1, Associated Bank told me, before submitting my application, that my wifes bankruptcy would not prevent us from getting the HELOC as long as she did open three ( 3 ) different lines of credit in the last couple years. My wife credit report proved that she has the following credit in the last couple years : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
b. Regarding # 2, as explained in a, my wife has established Credit Depth by opening five ( 5 ) different lines of credits and by having Credit score of XXXX. 
c. Regarding # 3, we have submitted everything regarding our incomes. We have submitted last two years tax returns, last two years W2s, Social Security Retirement income, and my wifes last four ( 4 ) paystubs. That what they asked for and if they needed something more, then they should asked ask us for it and not deny our application for that reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Since and XX/XX/XXXX and XX/XX/XXXX, I have not been getting the inaccuracies, incomplete, and misreported data corrected despite all the hard work of sending certified mail, losing time and money due to Transunion deliberate scheme to willful non-compliance. On XX/XX/XXXX Transunion received my certified mail with evidence of address, Unexpired GOVT ID and SSN Card by certified mail On XX/XX/XXXX, Transunion confirms receipt of all my documents to support my legal identity. Transunion is still not abiding by the laws of the FCRA by only responding the accounts reflecting derogatoriness are transferred with no further action from Transunion. I am asking for the CFPB to intervene due to the negligence of Transunion. XXXX shares the same data from the said furnishers as Transunion ; XXXX acted ethically and removed reaged student loans in question which would have been deleted in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reported bankruptcy to Experian and XXXX XXXX after saying they would remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifaxXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}
Product: Credit reporting or other personal consumer reports

There are XXXX banks on my credit report that have amounts owed that I disputed for fraud. XXXX XXXX, Bank of America, and XXXX XXXX. 

XXXX XXXX charge amount {$3200.00} XXXX  XXXX charge amount {$6300.00} Bank of America- charge amount {$5900.00} These credit cards were opened in 2016 and I filed a report with the XXXX XXXX Sheriffs office XXXX XXXX XXXX TX XXXX I gave each company info on my fraud claim with XXXX XXXX. I sent them back up such as documented proof of other institutions that researched and determined that my identity was used fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Last Fall I received a bill from Best Buy. I had finished paying for my computer over a twelve month period. But they were charging me for something! It turned out that they renewed a service contract on that computer without telling me they were going to do this. I called the company, told them I did not want the contract and they agreed to " take care of it. '' I continued to get bills, so I called again and complained. I told them I wanted to close the account since they had not followed through on the previous call. I continue to get bills saying that I owe them money. I called the bank which services their accounts. They referred me back to Best Buy. I called again and made sure they closed my accounts. Again they said they would take care of it. Now II find that even though the account is closed, they still claim I owe them a balance due and have reported this to the credit agencies. I disputed this through XXXX  which recognized that the account is closed but accepts Best Buy 's word that I still owe a balance ( perhaps for whatever time elapsed from the " renewal '' of the contract and my finally getting the account closed ). I do not believe I owe them any balance for something I did not authorize. I want them to remove this from my credit report, the only negative item listed there.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I received a letter from Experian that my information was compromised by an unauthorized party. When I checked my credit report I saw two hard inquiries that I did not authorize. I want to dispute them and get them erased from my credit
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX on XX/XX/XXXX with a balance of $ {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I discovered I had been the victim of identity fraud. That someone had used my personal information to open several fraudulent accounts. They had stole my mail, opened bank accounts and attempted to file a fraudulent bankruptcy petition. I obtained a copy of my credit reports and discovered a fraudulent account had been opened with Covington Credit-XXXX. I contacted them by phone and letter to let them know the account was the result of identity fraud. I also requested a copy of the fraudulent application and they refused to provide a copy of the fraudulent application. Covington Credit said the information on the application matched my information so the account belonged to me and I had to pay the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous address on my credit file is incorrect and needs to be deleted asap. 
Experian XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX opened XX/XX/2021, 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 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 have several inquiries that i have no idea where they came from mainly the hospitals from XXXX to XXXX
Product: Checking or savings account

I opened a Wells Fargo Consumer checking account with an account opening promotion bonus of {$320.00} if I deposit {$1000.00} or more in direct deposit within 45 days of account opening. 

The direct deposit was made on XX/XX/2023 by my employer. 

After making several calls ( atleast thrice ), Wells Fargo admitted their mistake for not honoring the credit stating that I am still being treated as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo. 

I was not employed by Wells Fargo when I opened the account on XX/XX/2023. 

Executive from Customer Advocacy group opened up a complaint for me ( CASE # XXXX ), but it was closed without any investigation. 

Another case has been created but no heed paid towards by Wells Fargo ( CASE # XXXX ) Wells Fargo continue to deny incentive and promotions by not addressing it in a timely manner.

I request CFPB officials to take this matter seriously with Consumer lending as the financial institution not handling complaints in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last day in my office was XX/XX/XXXX due to the pandemic. I returned and had no choice but to accept a demotion position on XX/XX/XXXX making approximately $ 30K less. during the pandemic I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed or late on a payment. I contacted XXXX XXXX letting them know my situation and to make payment arrangement base on what I can afford at the time, and they refuse to work with me. I'm now back to my office and am making payments. I explained to them The Govt passed The Corona Virus Aid Relief Economic Security Act which was enacted in XX/XX/XXXX and that late payments should not be reported on my account. Even though I settled with them in XXXX of XXXX, they are still reporting the account is in collection which is incorrect. On XX/XX/XXXX I contacted XXXX XXXX / XXXXCBNA, Phone # XXXX, Old Account Number XXXX, Late Payments on my account due to the pandemic ( Dates on my credit report - XX/XX/XXXX XX/XX/XXXX Late Payments ). I called them and spoke to XXXX XXXX ID # XXXX, who transferred me to her supervisor XXXX ( Supervisor ) ID # XXXX who transferred me to XXXX ID # XXXX who is not able to assist me but refuse to transfer me to a supervisor. After one hour and 58 minutes on the phone begging to speak to a supervisor I was transferred to supervisor XXXX ID # XXXX who stated she never heard of the Corona Virus Aid Relief Economic Security Act and could not assist me. 
If you need additional information, you can call me at XXXX. 
Thank you very much. 
XXXX XXXX
Product: Student loan

on XX/XX/XXXX I submitted a loan payment to XXXX XXXX using the XXXX  XXXX education award for my loan payment of {$260.00} due on XX/XX/XXXX. There are 10 business days between the XXXX and XX/XX/XXXX and I called on 1/18 and was informed it still was not even processed. My request wasn't approved until XX/XX/XXXX on XX/XX/XXXX my payment has still not been received. After calling XXXX I find out that there isn't even a payment date scheduled yet for this payment. As a result it is very likely I will either have to take a financial hit and pay it myself in order to make it count for PSLF or lose a potential payment due to timing issues outside of my control. In addition between the fact it takes over 15 calendar days along with an additional up to 30 days to mail the check it seems IMPOSSIBLE to use XXXX awards to pay for student loan payments which is what their purpose is supposed to be for.
Product: Credit card or prepaid card

Due to the pandamic and XXXX a wrongful 30 day delinquent was reported on my credit report. No reminders with letters or calls were made to me. 
XXXX XXXX refunded late fee due to hardship but will not reverse 30 day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$82.00} XXXX XXXX XXXX Balance : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have a police report as well as an ftc report to support my claims. I have requested Experian to delete and block a XXXX XXXX account as someone had used my information to get a used car. My complaint is towards Experian credit report agency as they refuse to remove it despite my proof of being a victim of identity theft
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir or Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my credit report and found an error. The duplicate item ( XXXX ) are being reported inaccurately. I am disputing the accounts listed below : Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Nature of Dispute : Inaccurate information/Duplicate account. 
Date of Error : XX/XX/XXXX Account Name : XXXX XXXX, XXXX Account Number : XXXX Nature of Dispute : Inaccurate information/Duplicate account. 
Date of Error : XX/XX/XXXX I am requesting that this inaccurate information be investigated and corrected. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate this dispute and correct ( delete ) any inaccuracies within XXXX  days. This is a violation of my rights. 
Please confirm receipt of this dispute and keep me updated on the status of the investigation. I would appreciate it if you could also send me a copy of my updated credit report once the dispute is resolved. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, ***
Product: Credit card

It's been more than XXXX  days since funds were requested/directed to be returned and still no return. 

I made XXXX charges totaling {$22000.00}. 
I paid Chase XXXX those funds months ago. 

I disputed these charges after services weren't provided. Chase XXXX stated it would take XXXX days to investigate. A provisional credit was applied to the account. Those charges were found to be from a fraudulent merchant. Chase XXXX took XXXX  days and sent a letter stating that the dispute was resolved in my favor on XX/XX/XXXX. 

I asked for a refund on XX/XX/XXXX which Chase XXXX agreed to. I was informed that it would take an additional XXXX business days to receive a refund check. Today is XX/XX/XXXX and I still do not have a check. I was informed that it would take another XXXX business days to receive a refund. It's been more than XXXX  days and still no return of my funds. 

Through this process I was repeatedly told lie after lie. i.e. I would be overnighted a refund, refund was on its way, it would arrive by XX/XX/XXXX, given numerous names of the Bank ( Chase JPMORGAN, JP Morgan Chase when real name was found with FDIC JP Morgan Bank National Association, formal questions asked were not answered, answers not provided in writing as verbal ones are nothing but hyperbole, could not forward funds to a local bank branch for me to pick up ( lie ), no formal process to lodge complaints, endless transfers while on telephone, countless hours on telephone waiting, endless delays in issuing the return of my funds. It seems as if every agent there at Chase XXXX has different answers for the same questions. Once challenged or questioned they hang up. Email or address to contact bank not provided by customer service
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my Insurance Information Exchange report, under the Fair Credit Reporting Act. 
I am requesting a copy of my Insurance Information Exchange report sent to me via mail
Product: Credit reporting or other personal consumer reports

On XX/XX/, I filed a complaint on Transunion about charge-offs and verifying debt. Although Transunion did verify most debt and found it invalid. There were still a few items left on my credit report. Transunion stated that they would mail me an updated credit report within 7 days of closing my dispute. I did get an updated report but I did not get any documentation from Transunion stating that the information left on my credit report was valid and why. The dispute number in question ends in XXXX.
Product: Debt collection

They called my job even after I told them not to call. I got fired after the 3rd time they called. I talked to someone the day before and she hung up on me. Then they called again today at my job.