23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

They are discriminatintg based off national origin. The fact of someone working out of country mostly as a XXXX XXXX. The taxes were filed under being an XXXX XXXX and they said that it doesn't prove a full year of work history since I have not resided in the United States for that full year. Even though income that was earned out of country was included in the income tax return they still will not accept income tax return as evidence of working independently for the full year. They only are accepting about 6 months out of the year when the XXXX  was granted. In my country if you earn under a certain amount you are not required to file taxes. Earned under that amount so I did not have to file taxes in my country. I only had to file taxes in the United States. This should be acceptable I did exactly what I was supposed to. They also will not allow me the opportunity to amend my tax return to specifically say what income was earned out of the country. They say that that would be changing the tax return to get approved for a loan. Even though it's not it will be changing a tax return because you noticed something was possibly wrong. They are forcing me to wait until it has been a full two-year. Or they are forcing me to get documentation from a third-party out of country that does not exist. I told them I was working XXXX  and I file my taxes working XXXX and they will not accept that. I also have bank statements and XXXX XXXX to prove some of the payments that I receive. And they will not accept that they want something from an employer and there is no employer if you're working as an XXXX XXXX. They said the documentation has to be from a third-party. I do not feel like this is fair I feel like I'm being discriminated against.
Product: Debt collection

COLLECTION ( HALSTED FINANCIAL ) IS CLAIMING PAYMENT ON PURCHASED ITEM THAT WAS PAID FOR OVER ONE YEAR AGO.
Product: Credit reporting or other personal consumer reports

I currently have a virtual XXXX credit card that was used in the past for a payment of a laptop. The account has been paid in full since XX/XX/XXXX. I have never been late with repaying the card. In fact, my account has never reflected any late payments until XX/XX/XXXX. These late payments currently reflect that they originated in XX/XX/XXXX and XX/XX/XXXX, but took XXXX  months before appearing on my account! When I inquired about these late payments, I was told that a new banking institution took over in XX/XX/XXXX from XXXX and now manages the accounts. I asked this new company to provide me with my transactions to show I was late in XXXX and XXXX XXXX XXXX. They told me they could not provide any information to me because they have no history of the accounts prior to XX/XX/XXXX! In fact, they said that any history before XX/XX/XXXX should no longer be used on my credit report. 

This new banking institution that has taken over my account has blatantly falsified late payments on my account.
Product: Credit reporting or other personal consumer reports

Credit Collection Services is reporting a collection account on my credit reports. They have denied any dispute and on XX/XX/year> a certified and notarized letter of intervention was sent. Credit Collection Services failed to respond. 
They say I owe {$730.00} from XXXX XXXX XXXX. Ref # XXXX Below is a copy of the letter sent with no response. 

Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Attention : Credit Collection Services I am formally requesting that you validate all tradeline listings you have submitted to the three major credit reporting agencies by Credit Collection Services. for me, -- -- -- -under account ref number -- -- - Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.

Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights.

Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute. 
Thank you in advance for your anticipated cooperation. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX To Whom It May Concern, I have recently received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities so that I may become a first time home buyer. I noticed several accounts that should not be on my credit report and thus should be deleted. I am not stating theyre accurate or inaccurate, however I am not 100 percent sure if they are. Recently I discovered the Fair Credit Reporting Act where it states by law, I have rights to challenge anything I am not sure is accurate. 

The Creditors who have reported inaccuracies on my credit I have never heard of which positioned me to mail in this letter of concern. I'm sure you are familiar with Article 15 U.S.C. Sec. 1681i ( a ), as it states that if you cant provide proof, these accounts must be deleted. I would like for the inaccurate accounts ( listed on the next page ) to be deleted. If possible can you check on these accounts and get back with me? 

Its imperative that these accounts are removed in order for me to become eligible for home loans. If there is any paperwork that I need to sign to confirm the listed inaccurate accounts are not mine please email me the required documents. 

This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be Aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 





Sincerely, XXXX XXXX XXXX
Product: Debt collection

I've contacted this company requesting validation and they sent me a bill with my name, but without anything further they also violated Hippa. 


XX/XX/2015- {$680.00} XX/XX/2015- {$370.00}
Product: Student loan

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, 2015 Honorable Senator : I am in need of your assistance. The situation is thus, a few years ago I cosigned student loans for my Daughter XXXX. Situations that were unforeseen occurred. My Daughter XXXX reneged on repaying the student loans. XXXX of the loans went to collections, when I was contacted by the collection agency I was threatened. Not knowing any better, I started to make payments. I later found out that what they did was illegal. 

I am getting on in years and ready to retire. Things have gotten worse. I had to file for bankruptcy to protect my home. Tried to take advantage of the HARP program, but was denied due to no credit. It 's to the point, We are living paycheck too paycheck. 
We have no funds available to cover any unforeseen problems that may come. 

The funds should 've gone directly to the college instead they went to the student. In our case, she spent all the money on herself and not for further education. The funds should go directly to the college. Out Daughter XXXX, scammed us and the loan originators. 

We are at the point that we can no longer afford to repay these student loans. I believe your office can help us. Why is it that the student is not responsible for repaying the loans, the loan companies go after the cosigner? 

I believe you could submit legislation to prevent this from ever happening to anyone again. The student should be held accountable and be responsible for repaying their student loans and not the cosigner. 

But in the meantime, I need any assistance Your Office can provide Me. Any help you can offer would be greatly appreciated, in regards to programs or legal legislation that can offer student loan forgiveness. 


Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One Auto Finance on XX/XX/XXXX regarding an XXXX dollar charge off on my credit report from an auto loan I had with them years ago. Account was considered paid in full on XXXX, XXXX, XXXX. I was told by the representative to send in disputes to XXXX and XXXX. I sent in disputes through the mail with XXXX and XXXX. XXXX has not responded yet. XXXX responded that they could no dispute the charge since the account was paid in full and is considered " closed '' On my credit report, it shows a XXXX dollar " charge-off '' amount putting a negative impact on my credit score. 

To go into detail, I was in a car accident in XXXX and the amount that insurance did not cover for the rest of the loan was on us. Capital One Auto Finance agreed with a payment-plan to get the rest of the amount owed paid off, which was {$1300.00}. There was never a late payment recorded either. 
My credit and ability to go get a new car is impacted by a {$0.00} charge off, which is ridiculous. Dealerships automatically think I had my car repossed with this on here.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroneous items being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following items on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The items that should be corrected are as follows : DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXXLate/Open Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Report Numbers # XXXX TransUnion refuses to take action in regards to Four fraudulent inquires made without my permissible purpose or authorization. 
-XXXX XXXX INQUIRY DATE XX/XX/2021 -XXXX XXXX XXXX INQUIRY DATE XX/XX/2021 -XXXX XXXX XXXX INQUIRY DATE XX/XX/2021 XXXX XXXX XXXX XXXX XXXX DATE XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many inquiries on my credit report showing that is not mine. I reached out to the consumer reporting agencies numerous times over 60 plus days. Letting them know that these inquiries are not mine, fraudulent, and unauthorized by me. I ask for proof and validation of these inquiries, and they refuse to send me validation only stating that it's verified. I know they haven't tried to investigate these inquiries because they are not mine and is a violation under 15 USC 1681b ( 3 ) i want them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, Ive noticed some unauthorized & unverified inquiries on my credit report according to the FCRA legally, these items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had fraudulent loans put into my name that damaged my credit. Transunion said that I had to sign over 50 % of my patents to XXXX in order for them to fix my credit and said they only care about big companies as I am a peasant. 

Enclosed are the identity theft accounts committed against me by XXXX XXXX XXXX and XXXX XXXX  Fix my credit immediately and block account or I'll go in and spread some lead love
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated several of my rights. 16 U.S.C 1681 section 602 A. Clearly States that 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. 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. Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act.

Consumer disputes this account information Collection account
Product: Mortgage

I just wanted to say that I had the worst experience with XXXX XXXX in an attempt to buy a home in XXXX. He is a Mortgage Lending Specialist with Bank Of America : XXXX, Arizona. His XXXX  # is XXXX. He was extremely rude to me as well as my Realtor. We had to go as far as reaching out to one of his colleagues by the name of XXXX XXXX due to his lack of professionalism. This happened back in the first quarter of XXXX. I was issued a Pre-qualification letter in XX/XX/2021 which has now expired of course. Once it was time to inform him of the properties we were looking at, we couldn't get a hold of him. I still have the direct emails of our conversation. He went as far as screaming at my Realtor all because we called his colleague to get a hold of him. In the beginning when when I submitted my bank statements to him, he also questioned where the money came from as if I don't have a full time job. I had over {$20000.00} saved up to put down on a XXXX. I had been saving that money since my early XXXX 's. He issued me a Pre-qualification letter so he had verified that fact. The reason I am bringing this up now is because it is a year later and I am just now recovering from a financial loss. I had to take that money and rent an apartment with it.
Product: Checking or savings account

1.IberiaBank's Promo bonus offer of $XXXX to open new checking account.  On XX/XX/2019, I opened new a/c  and was assigned number XXXX with $50.00 using promo code XXXX online banking via their ID number XXXX.2.I   then visited local branch to sign completed documentation and set up direct deposit of at least $500.00 per month. On XX/XX/2019 first direct deposit was received. Thereafter, deposits made in XXXX, XXXX. 3.Vendor has not complied with offer terms . It has declined to pay $XXXX bonus amount.They claimed that I did not enter the legend "XXXX" but I informed them that they accepted and approved my application under ID number authentication as above. Subsequently, when I called to verify status of credit, they stated that denial was because offer was not valid  to "clients or  households who have previously had an account with Iberiabank". After my a/c was opened, I referred a roommate who lives at same address as mine. Said person applied for a XXXX Promo bonus offer at the branch, was approved on the spot and subsequently received the promo $XXXX credit.The federal IRS definition of what constitutes a household is very clear and definitive,ie"A person(s) who is related to another by sanguinity for (three)3 generations." They claim that since both of us roommates share the same street address, this constitutes a household. However, I claim that since they are a  bank federally regulated by the Federal Reserve Board and by CFPB, and are insured by FDIC, that Federal Law, including IRS regulations and definitions prevail over any and all other State, County, or local laws and customs and practice, as it pertains to Federally Supervised commercial banks. I wrote a letter of appeal to XXXX XXXX ( telephone XXXX XXXX XXXX XXXX) who reviewed this issue and denied the payment of my Promo bonus
Product: Debt collection

A person calling from XXXX ( XXXX/XXXX/15 ), claiming they are debt collectors, are calling every day. When I answer the phone often hangs up. I called it back, a man answered and asked for my address and last XXXX of my social security number. When I refused and asked for verification he said that he could not give me any information without my last XXXX. He said that this matter was very serious and that I needed to get it settled. He told me to call back after I was ready to verify my last XXXX. He asked to confirm my address, the address he stated was incorrect. I hung up. This number has called several times. Previous numbers include XXXX ( XXXX/XXXX/15 ), XXXX ( XXXX/XXXX/15 ), XXXX ( XXXX/XXXX/15 ). there are also several XXXX numbers calling, I think from the same people.
Product: Debt collection

Pursuant to 15 usc 1692g, you failed to properly validate the alleged debt and in addition to that I do not recall giving you my consent to contact my person, thus you are in violation of 15 usc 1692c ( a ). You are liable to pay {$1000.00} per violation pursuant to 15 usc 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian REPORTING THE ERROR XXXX XXXX XXXX XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Product: Debt collection

I entered into a settlement agreement with the 3rd party that was assigned my debt. I did a full settlement in full and now the original company, XXXX is stating that I still owe on my debt and the settlement that I did was to stop the 3rd party from call me. This deceptive practices if I completed a settlement with a 3rd party that represents them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase would you please send me a hard copy from your compliance office as To how your office is to legally note a consumers credit file when a dispute has been investigated by your office. Also please send me a copy of the FDCPA Requirements If the remarks were not noted by your office. Your office have acted very reckless as far as reporting to XXXX and XXXX and XXXX  The information is missing and this is a violation. And this account is no longer allow to report on my credit file due to your Negligence and noncompliance please remove this account for FDCPA immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to inform you that I want to remove these fraudulent items from my file. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Kindly remove the following items as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Was given two previous loans with vip status. On the ad when researching company they didnt offer me XXXX after first loan. Also I said I was gon na file a complaint and they are back lashing on me now and I am not being given anymore credit by them. They said it's because i wasnt happy with services .i was happy but they are discrimination against me now by not allowing me to fairly use there services anymore. They are being unprofessional and violating my rights to be extended credit like I was before.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : 1 691 75501 which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 1 5 USC 1 681 c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below. XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

Late payment on your credit report is a privacy violation. In accordance to fair credit reporting act, XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.