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

I have been a customer at Regions Bank for at least 3 years. I have paid off several loans and kept a high balance for many years with them. However, I have been repeatedly denied credit. My score has never improved after I paid off loans from them and yet they used my credit score to deny me credit on several occasions the last time was XX/XX/2023, on approximately the XXXX. At that time they said they checked XXXX and that my score was too low to approve me. 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. They have consistently violated my access to credit and cause my credit score to be lowered even further when they run my credit and refuse me access to funding. 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 ; I have repeatedly repaid loans both secured and unsecured on time, and have a credit score that is considered good. In no other ways have I been found to be a credit risk, except under discrimination. 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 Regions 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: Money transfer, virtual currency, or money service

Please provide duplicate copies of 1099s for tax years XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

To intentionally provide incorrect information to investors and the government agencies is not the right thing to do. Please reproduce the other 1099s I am missing. 

Furthermore; according to the XXXX tax authority ( XXXX XXXX ) the percentage you withheld for XXXX was incorrect. please review the math ; and reproduce the 1099s that are missing. 

To cause a harmed investor ; further harm ; is the wrong thing to do. 

The incorrect percentage you withheld ; most likely not only affects me ; but the millions of US shareowners of the XXXX XXXX. If your percentages are correct please let me know. 

I have below indicated what he is saying in XXXX. 

I will not leave a toxic investment to my beneficiaries and it will be the responsibility of Chase to correct all this with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for International Paper Mill when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through Prosper MarketPlace, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XX/XX/XXXX with Prosper MarketPlace.That when the fight began it was put on my credit report knowing it was not my SSN that Prosper had used to create this account.I filed a complaint against Prosper in the year XXXX through CFPB, as you can see there is no signature on documents from Prosper, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by Prosper Marketplace.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting

This dispute has been faxed twice already and I have had no response from the CFPB or Equifax. The information required has not been supplied as asked for. A generic answer was supplied but, it does not answer the disputes question. until I get a satisfactory and accurate answer, this question/dispute will be repeated until it is answered. 
The CFPB has ignored my dispute in this matter.
Product: Student loan

Navient systematically misallocates my funds. I owe {$24000.00} and my balance never changes. I keep making payments of {$500.00} - {$560.00} a month ; but my balance remains the same. 
I asked Navient multiple times to send me detailed repayment history of my loan and the way funds have been applied to my balance each month. Navient systematically refuses to provide such information as the people answering calls always say something different. 
I believe that if I do not find a way to get Navient to send me the formal loan repayment history I will be in repayment all my life. 
How can I get help and some sort of relief from Navient?
Product: Credit card or prepaid card

Received two gift cards XXXX XXXX ( {$50.00} & {$100.00} ) for a total of {$150.00}. 
Cards were to be used now, XX/XX/XXXX. The cards were purchased & given in Connecticut. 
Account information is not available & cards have been rejected by local merchants. Called customer care ( XXXX ) where no assistance is available. Specialist could not find account information. No remedy was offered. 
The website ( XXXX ) does not provide any additional method to contact the gift card provider. 
At this moment, US Bank & XXXX have stolen {$150.00} of funds due to me.
Product: Checking or savings account

I was given a check from my employer on XX/XX/year> for {$1000.00}. I used the mobile deposit feature on my XXXX app to deposit it. It was brought to my employers attention that he used his old checks from First National Bank ( FNB ) and they were to write me a new check. 
My employer wrote me a new check from his XXXX XXXX XXXX XXXX  on XX/XX/year> which I also mobile deposited. XXXX minutes after mobile depositing the second check, the branch XXXX from XXXX XXXX XXXX XXXX, called to let him know that the check written and deposited on XX/XX/year> had actually been misread and pulled from a random persons account. I had been advised by XXXX XXXX to withdraw {$1000.00} from my bank and bring it to the local branch of XXXX to avoid having a fraud case brought against me. I immediately went to a XXXX ATM, withdrew the money and had my employer bring it to the XXXX XXXX. At this time, I assumed the issue was taken care of. 
On XX/XX/year>, I am looking into my bank account and see that the original check from XX/XX/year> had been reversed and another {$1000.00} had been removed from my account. I called XXXX XXXX to speak with XXXX XXXX but she was out of the office until XX/XX/year>. 
When I called her on XX/XX/year>, she didn't take my call but had a clerk tell me she was working on the issue and I would hear from her soon. By end of day, she was ignoring my calls and blocked my number. I had to call the XXXX branch of XXXX and have that branch XXXX, XXXX XXXX, call and speak to XXXX XXXX. 
I did receive a check on Monday, XX/XX/XXXX with the missing funds HOWEVER the branch XXXX, XXXX XXXX, very obviously handled the situation incorrectly and never took the time to pick up the phone and apologize. I would file a complaint at XXXX directly but feel that it would go nowhere. I hope someone takes the time to retrain XXXX on her job and personal manners.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> 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 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). I attached the FTC reports AS WELL. Furthermore This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date:XX/XX/XXXX15 U.S.C 1681 section 602 A. I have a right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

In XX/XX/XXXX I planned a trip to Hawaii for XX/XX/XXXX using Uplift Inc. I paid off my vacation in XX/XX/XXXX. In XX/XX/XXXX - Covid XXXX pandemic happened. Hawaii shut down. I cancelled my trip on XX/XX/XXXX. I was told I would get a refund in 90 days. As of XX/XX/XXXX I have yet to receive my refund. I spoke with my bank and informed them that it had been 90 days and I had not received my refund. The bank said this was unacceptable and returned my money and notified Uplift. Uplift has now turned me into a collection agency who is after me hurting my perfect credit score. I always pay my bills.. I am NEVER late. They are wanting me to pay for a trip that I never received and Hawaii is still closed. I want them to take off the bad remarks on my credit score. I DID pay them ... I paid them in FULL XX/XX/XXXX. When the pandemic happened - I cancelled and waited 90 days for my refund of {$4300.00}. I do not want to be called by collection agencies for money that they say I owe for a trip that I never got to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN I XXXX XXXX STILL HAVE ISSUES WITH EQUIFAX 1. THEY ARE STILL LYING AND DE FRAUD ME IN MY CLAIM IN THE SETTLEMENT CLAIM ON MY CREDIT REPORT EXPERIENCE DID A EQUIFAX REPORT EXPERIENCE HAS PROVEN ON MY BEHALF THAT EQUIFAX DATA BREACH MY INFORMATION OUT ALSO HAS PUT ON MY CREDIT REPORT XXXX OFFENDERS ON MY CREDIT REPORT FOR NO REASON AT ALL IT SHOWS ON MY CREDIT REPORT AFTER EXPERIENCE THEN IT'S INVESTIGATION FOR EQUIFAX SHOWS THAT EQUIFAX WAS AT FAULTS FRAUDULENTLY LIKE SAID THAT THEY WAS NOT GOING TO PAY ME A SETTLEMENT EVEN THOUGH I CHECKED MY STATUS ON THE ON THE WEB SAYING THAT I WAS A CONSUMER WITH DATA BREACH MY INFORMATION WAS LEAKED OUT WHAT MUST I DO TO CONTINUE TO PROVE MY POINT ACROSS EQUIFAX KEEP DENYING AND CONTINUE DEFRAUDING ME AND WILL NOT PAY THE SETTLEMENT TO ME SOMETHING NEEDS TO BE DONE
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts listed on my credit report, which was reported by your credit bureau. The accounts in question are as follows : XXXX XXXX FS XXXX and XXXX XXXX XXXX Fraudulent behavior- The bank has committed to removing this from my records. Please ensure it is eliminated. 

I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. Consequently, I did not receive any correspondence regarding this debts and was deprived of the opportunity to dispute it. Reporting this account to your credit bureau without my knowledge or consent constitutes a violation of the law.
Product: Payday loan, title loan, or personal loan

My payments stop coming out as agreed by ACH debit on my account for no reason in accordance to their agreement. I never canceled or directed my institution to stop allowing the agreed ACH debits from my account which were to automatically withdrawn on my pay days of the XX/XX/XXXX and XX/XX/XXXX. I spoke to a rep who said there may have been a system error due to updates, etc. Payments continued and Then all of a sudden I have fraud on my XXXX XXXX XXXX account. Issue was resolved and payments were suppose to continue with my XXXX XXXX account due to previous issue of payments not coming out as agreed in accordance with the agreement. Auto payment was selected so you don't have to worry about the payments being made and it was encouraged that if you can make more payments it can pay down your principle faster according to XXXX XXXX. As I free up a little cash I assumed when I log in to make a payment it's just an extra payment being made. I made a couple payments recently with my debit card. I have had several issues with XXXX XXXX correctly taking my payments and I am met with attitude and unprofessional reps. Recently I get notified by XXXX that my account with XXXX XXXX is Delinquent 30/60/90 days. I have gave the rep my XXXX XXXX information back in XXXX. I never received a call, voice mail, email, or US Mail correspondence that I was past due let alone going into delinquent status. The last email received was in XXXX! Every account on my credit report has been in good standing for years without 1 late pay and this inaccurate reporting of my account dropped my credit score 60 points. I did everything I was suppose to do under the FCRA, yet XXXX XXXX never notified me or gave me a chance to rectify any issue. I can not fix or put attention to nothing I haven't been made aware of.
Product: Checking or savings account

On XX/XX/21, fraud was committed on my checking and credit card accounts with Wells Fargo. {$7200.00} was sent via cash advance from the platinum credit card into the checking account. From the checking account, the perpetrator wired the {$7200.00} ( from the credit card ), along with around {$2000.00} ( from my checking ) to another account. A wire transfer fee of {$30.00} was charged to my checking, a {$360.00} cash advance fee & {$61.00} interest charge were charged to my credit card. Charges are still present & fees continue to pile on I reported this to WELLS FARGO on the day that this occurred & communicated that I did NOT authorize any of these transactions. Representative filed a claim and assured me that this issue would be investigated & resolved. Also, I was told that the issue would be addressed and my funds restored within 10 business days. I have called regularly to check in on the status. 

The credit card is still maxed out and Wells Fargo has continued to charge additional fees ( cash advance, interest ). Wells Fargo DID NOT request a verification or confirmation from me for this fraudulent wire transfer. They did not flag the transaction- despite me NEVER wiring money or ever making large amount transactions. They have in the past contacted me to verify unusual or suspicious purchases with small amounts. Yet they did not think a {$9100.00} transfer was unusual??? I trusted them with the safety of my accounts. Ive been an account holder for XXXX years and have paid my bills responsibly, and work hard for the money I earn. My Wells Fargo card, prior to this incident, had a status of ON TIME, NEVER LATE for payments. It also had a {$0.00} balance at the time of this fraudulent transaction. 

Wells Fargo has not assisted in resolving this issue and has not restored the funds that were depleted. Instead they expect me to pay off this overlimit amount on the credit card- that occurred due to fraud and Wells Fargos negligence. 

I have filed a police report, filed a complaint with the XXXX XXXX XXXX  and multiple complaints within Wells Fargo. 

My credit score has gone down XXXX points due to the overlimit balance on the credit card. My checking was almost completely depleted ( the scammers left a whopping {$140.00} out of the {$2000.00} I had in there ). Ive communicated the multiple ways that this incident has negatively impacted my life and Wells Fargo has done NOTHING to resolve this issue. It is XX/XX/XXXX and Ive had to live without use of the funds I thought were safe in the Wells Fargo checking account OR the Wells Fargo credit card that I thought Wells Fargo would make sure was secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries appearing on my credit report are false/fraud. I have tried to call Transunion repeatedly and was unsuccessful due to language barriers between agents and myself. No credit was obtain due to these inquiries. I am requesting Transunion remove them IMMEDIATELY. I am also a COVID-19 victime. 

( TRANSUNION FIle ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020, XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX via XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX via XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX - XX/XX/2020 ) ( XXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/2020 )
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, especially in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

- Applied for home equity loan with XXXX XXXX XXXX sold my phone number so I can't answer my phone because it's under attack - Made me pay for their appraisal with a XXXX  XXXX and wanted me to pay again for reconsideration - Denied loan application after weeks of non responses
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to properly investigate my XXXX XXXX Account. this company has reported me 30 days late consecutively from XX/XX/XXXX to XX/XX/XXXX and also on XXXX of XXXX. Not only did I pay on time but I overpaid every month. I have attached my payment history provided to me directly from XXXX XXXX XXXX XXXX as proof. Update and correct this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies : XXXX and Equifax XXXX XXXX XXXX : XXXX XXXX Loan XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Loan was paid off in XX/XX/XXXX, but still shows with amounts owed : XXXX shows {$10000.00} and Equifax shows {$10000.00}. 

Contacted XXXX XXXX on XX/XX/XXXX, and was told they submitted information to credit bureau XXXX XX/XX/XXXX Contacted credit bureau same date and was told they did not get sufficient information to update my credit report. On XX/XX/XXXX, XXXX representative hung-up on me after waiting more than 30 minutes. Neither company wants to take responsibility. I told them both this incorrect and negative information is impacting my credit report and credit score and it's hurting my ability to obtain the credit I am entitled to.