23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I am a concerned XXXX  's and other lending institutions that purchase conventional mortgages on the secondary market such as PennyMac, XXXX XXXX and XXXX XXXX are imposing loan level price adjustments that are very discriminatory and impart greater costs to lower income households purchasing lower cost homes. These loan level adjustments while holding credit scores, down payment amount and debt to income ratio as static components of the application are ultimately charging a borrower who is getting a lower loan amount a much higher interest rate than if they are getting a higher loan amount. I've run the analysis through multiple lenders, both correspondent, wholesale and broker based and this strategy is costing a borrower over 0.5 % more in the mortgage interest rate. This should be illegal and addressed if a verified and authentic algorithm is not being applied to justify this difference in rate. 

Why is the interest rate higher for a lower loan amount for one borrower if the credit score is XXXX, the debt to income ratio is the same and the down payment is the same? This is not equity in housing and violates TILA & Reg Z. As consumers become aware of this and that they are paying more in interest for no other reason than they borrowed {$120000.00} rather than {$200000.00} it will cause some major issues in regards to equality in mortgage lending and truth in lending. 

I hope the CFPB is taking more actions to investigate these loan level adjustments that are NOT being applied in an equitable manner. This undermines the integrity of the mortgage industry and mortgage professionals who are working to provide their clients with transparent, clear and equitable loan products.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions. 
a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose. 

JPMCB AUTO 11 POTENTIALLY NEGATIVE MONTHS account number : XXXX
Product: Checking or savings account

On XXXX/XXXX/XXXX I deposited a check for {$1500.00} to Huntington Bank. The check was drawn on a local bank and was for reimbursement of expenses. The company writing the check is a local insurance company that is publicly traded on the XXXX. My personal checking account with Huntington has been established for approximately 2 years and has not been overdrawn. I also have a savings account and my loan with Huntington is paid on time. 

On XXXX I got an email saying there was a deposit hold. I was not given access to the first {$100.00} or {$200.00} of the check. Then on XXXX I got a letter stating the deposit hold would be until XXXX/XXXX/XXXX so the bank could review the check. In total this is a hold of XXXX business days however Huntington is open 7 days per week so its actually XXXX. 

On XXXX I called my local banker in XXXX Michigan XXXX XXXX. She was unavailable but a teller supervisor I spoke with at the branch said Regulation CC only applied to local banks and credit unions. She also was unable to release any of the funds and said that payments issued by insurance companies are usually subject to holds. I did look through my records and checks issued in XXXX and XXXX from the same company were not subject to any holds I have been unable to pay bills or conduct normal banking activities this month. Considering my bank branch, home and the headquarters of the insurance company are within XXXX blocks of each other, the hold seems arbitrary and unreasonable. I believe Huntington Bank violated Regulation CC and ask that this matter be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas Child support Division is saying I am past due my payments are on time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ON ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -- -> : {$12000.00} XXXXXXXX XXXX XXXX  XXXX -- -> : {$15000.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Self Financial Inc/ Lea XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a 30-59 days late payment but the account was PAID IN FULL. I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. 

It would assist me tremendously if you could make a goodwill adjustment that removes the negative payment entry from my three credit bureaus reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.
Product: Credit reporting or other personal consumer reports

I am Listed XXXX inquiries fraudulent from my Trasunion Credit Report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to XXXX these inquiries fraudulent and remove from my Credit Report
Product: Money transfer, virtual currency, or money service

Me and a friend and I met a guy who asked if know anything about investing and stocks we said a little so he said let me show you to pass it down. I met the guy in person a few times, let him use myXX/XX/XXXXwhich has my devicesXX/XX/XXXX. Fast forward he was telling me and the friend that well get this much back in stock and investment pretty much prolong the situation on when getting money then the XXXX crashes. When the friend was sending money from his bank to my old cash app account that was close due to being hacked, the only way I knew was from an old email that was also hacked. And we just now reporting it. Im sure can do anything about that but I dont want the bank to try and blame me from fraud when one my cash app was hacked and the zip code and address is not my actual address and cash app keep saying they cant verify my identity even tho my name and I think Ssn was on the account as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I went to court for the second time over Conns suit against me. The first time I made them an offer which the XXXX XXXX for Conns said he thought they would accept. I heard nothing from them. On XX/XX/year> I returned to court and Conns did not send anyone. Because Conns did not send anyone, I was given a court order that I did not owe them anything. XXXX XXXX, Precinct XXXX, XXXX XXXX, Texas Civil Judgement Case No. XXXX in which the judge dismissed the case without prejudice. I faxed a copy to Conns, then called them. I also sent a copy to all three Credit Bureau 's. The Credit Bureau 's would not take the Conns account off my records and Conns would not accept the decision of the court.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a collection account from my credit report, as I am a victim of a data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that accounts resulting from unauthorized activity be blocked and deleted from my credit file. 
The following unauthorized collection account should be blocked and deleted : Unauthorized Collection : Account Number : XXXX Date Reported : XX/XX/year> Amount : {$71.00}
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. ACCOUNT : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : XXXX XXXX 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.
Product: Credit card or prepaid card

I am writing to file a complaint and demand that AMERICAN EXPRESS promptly address and rectify the numerous violations of federal law that have taken place concerning my account. I expect AMERICAN EXPRESS to provide a swift resolution as outlined in this letter. Failure to do so will leave me with no choice but to initiate arbitration proceedings. 

Violation of 15 U.S. Code 1691 ( a ) - Discrimination : AMERICAN EXPRESS ' arbitrary reduction of my credit limit without any valid reason or due process specifically targets me. Such actions directly contradict the provisions of this federal law, which strictly prohibit discriminatory practices in ANY aspect of a credit transaction. AMERICAN EXPRESS ' decision to decrease my credit line without my authorization, knowledge, or benefit directly violates federal law and represents a breach of fiduciary duty. 

Violations of the Equal Credit Opportunity Act and Code of Federal Regulations : AMERICAN EXPRESS asserts compliance with the Equal Credit Opportunity Act and all other applicable state and federal laws and regulations. However, the reduction of my credit limit, based on discriminatory factors outlined in a document from AMERICAN EXPRESS dated XX/XX/XXXX, directly violates 12 CFR 1002.4 ( a ), 12 CFR 1002.7 ( a ), and 12 CFR 1026.12 ( b ). AMERICAN EXPRESS has engaged in prohibited discrimination against me by utilizing information obtained illicitly from consumer reports. This conduct also violates the Graham-Leach Bliley Act, 15 USC 6802 ( 1 ), as my nonpublic personal information was disclosed without written consent.

Previous Violations of Federal Law and Damages : Furthermore, I wish to bring your attention to previous violations of federal law referenced in CFPB complaint ID XXXX XXXX. These violations include infractions of 15 USC 1602 ( f ), 15 USC 1602 ( p ), and 15 USC 1691 ( a ) ( 3 ). Consequently, I have experienced financial harm, mental anguish, emotional distress, and an inability to provide for my family, make essential household repairs or improvements, or invest in my business during the XXXX pandemic when financial assistance was crucial. 

None of the complaints I filed with the Consumer Financial Protection Bureau have been satisfactorily resolved. Below, I have listed all the unresolved complaints : COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX COMPLAINT ID : XXXX DATE FILED : XX/XX/XXXX It is vital to acknowledge that AMERICAN EXPRESS ' actions have resulted in multiple violations of 15 U.S. Code 1681o ( a ) - Civil liability for negligent noncompliance. 

Due to the severity of these violations and the extent of the damages suffered, my demand for remedy is outlined below in detail. 

I appreciate your immediate attention to this matter. 

Thank you.
Product: Credit reporting or other personal consumer reports

Contacted XXXX XXXX aka XXXX about reporting an invalid bankruptcy to XXXX XXXX XXXX and didnt receive any documents or validation of these claims also requested that they put a security freeze on my file and nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 50 pages dated Todates here nows ones days XX/XX/XXXX, XX/XX/XXXXyear ( s ) s towards Equifax a dispute to update my name change decree on the credit file website became in fax option communication by telephone help on Equifax.com membership I had have had am to becoming of me towards having I pay paid for by plan of wellness action. The fax was sent went through to the number provisioned given no not one response, no change to the credit file name sakes XXXX XXXX XXXX XXXX, name change decree addendum inside its page ( s ). This is XXXX XXXX year I sense. I sent beginning of papers on trust account to the service online personnel help provisioned fax number to me to use to submitt stating he could is to update the name in the computer member system receiving towards the fax I am sent papers on not a credit file can be found pertaining to my personal information comments to a XXXX  card is not an state issued SSI card it is in the dates created to use, the card a ssi card to my name XXXX XXXX XXXX I was born aka also known as by government to use at times XXXX. The Equifax is rude biased out to date me, Im youthful. Descrimination by age is did occuring todate XX/XX/2021. Please correct this by having the credit brutes update the name decree towards XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX I did get a suffix in my last names sakes to the first middle name intials. XXXX is to my name today spent moneys time energy towards their communications in XX/XX/2021 by us postal mail. I didnt receive mail at the correct address listed. The address on the file is outdated the apartment number isnt effective efficient effical to doing 1 % business at me, mine file, to a 100 % mean median ratio average personnel experienced on deck credit bureaus decades todate, today XX/XX/2021. Thanks for having them update the account to my mobile home address I own at XXXX XXXX XXXX XXXX Ca XXXX its reminder is great! Thanks XXXX XXXX XXXX XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX XXXX An addendum to XXXX XXXX XXXX at XXXX Ca XXXX.
Product: Debt collection

It starts back about a year ago I got a phone call from them trying to collect this debit. They refused to send me something in the mail and take a settlement. I refused to handle the account at that time. Yesterday XXXX/XXXX/16 I received a phone call at XXXX from XXXX from a lady stating that I was being summons to court. I needed to call XXXX and gave me my case number. Stated she could not open my mail when I asked what is this about. So, I called the number provided never once did they stated they were attempting to collect a debit till the end of the conversation when I pretty much caught on to what was going on. She stated this was the final attempt to get this before it would be out of their hands. I use to work for collections so I understand they have a job and its a debit I owe but you can not falsely state I am being summons to court. After I got off the phone I called back asking for a manager. He stated their company does not do that. I gave him the number that the person called from and stated then how did i get my " case '' number. When you call back the number it stated this number is disconnected. I know my rights and what they did was far from the correct way to handle collection a debit.
Product: Credit reporting or other personal consumer reports

Everything I try to get on my consumer profile from XXXX Its kicking me out the system, not allowing me to download my report.
Product: Checking or savings account

I opened an account with Citibank on XX/XX/XXXX. My account for CITIBANK was closed on XX/XX/XXXX due to a XXXX overdraft from my savings to check and I was charged a fee. My {$2500.00} worth of funds were never released to me and it had been more than 60 days. I called them multiple times and I wasnt treated fairly.
Product: Debt collection

I received a voicemail from, FCR collection Services their Phone # XXXX ( XXXX ) XXXX Stating that I owe a debt of {$350.00}, from a service I did not receive from this company XXXX XXXX XXXX XXXX XXXX XXXX  Their phone number is XXXX or XXXX. 

The bill statement date was on XX/XX/XXXX And it states I received services from dates On ( XX/XX/XXXX & XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This was a fake bill.Why would I be receiving a bill two years later from a service that I had in XXXX. 

All of my bills were paid in full directly to XXXX XXXX XXXX XXXX XXXX Their phone # XXXX XXXX XXXX XXXX XXXX when I called them they said I didnt owe anything. 

I believe that my personal information was hacked from XXXX  and they sold that info to FCR collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/XXXX to dispute some inquiries on my report that I did not recognize nor approve. Customer service did not help and refused to remove them from my report : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an personal credit card account ( XXXXXXXX XXXX Account number : XXXX ) that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of XXXX XXXX and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXX XXXX XXXX opened on XX/XX/XXXX under account # XXXX, a personal credit card opened at XXXX XXXX XXXX  opened on XX/XX/XXXX under account # XXXX, a personal credit card opened at XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX under account # XXXX, a personal credit card XXXX XXXX opened XX/XX/XXXX account # XXXX a personal credit card opened at XXXX XXXX XXXX opened on XX/XX/XXXX under account # XXXX, a cell phone account opened at XXXX XXXX account opened on XX/XX/XXXX under account # XXXX, a auto loan opened at XXXX XXXXXXXX XXXX opened on XX/XX/XXXX under account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I reported to the vehicle manufacture and dealer that the vehicle has been unrepaired for an extended period of time and the manufacture provided no support. In XXXX of XXXX, I hired an attorney explaining that we do not feel safe to drive the vehicle and have been forced to purchase a new vehicle. When contacting Audi financial about this they would address the issue via messaging due to the status of the account. Once on the phone they had no solutions or help to offer. At this point the vehicle is being considered a lemon and we are waiting for the manufacture to respond in the meantime we are still paying for a loan with not assistance in terms of an extension or pause in reporting while they and XXXX XXXX XXXX XXXX investigate the issue. 

Audi Financial is owned and operated by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of negotiating a settlement with XXXX. In the terms in the settlement agreement it states In consideration of the offer set out above, XXXX XXXX & XXXX XXXX a grees that any payments made by XXXX  pursuant to the terms of this offer are in full and final settlement of this matter. In addition, XXXX XXXX & XXXX XXXX waives and releases all claims against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Audi Financial Services XXXX XXXX, XXXX XXXX XXXX XXXX, their parent companies, employees, and authorized sales and service facilities regarding the use, service, and repair history of the above-mentioned vehicle. Since the settlement specifically is asking me to wave my rights to take any action against Audi Financial Services. Audi Financial Services is involved in this issue and as such should be taking action.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. 
The accounts are listed below : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to ma all of the documents that you have recorded and retained in your file of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).
Product: Credit card or prepaid card

I was charged {$7500.00} on XX/XX/2020 by XXXX XXXX XXXX XXXX. The charge appeared on my Citibank World Elite Mastercard. The Merchant could not deliver the product that was purchased and agreed to initiate a refund. I never received the merchant initiated refund so I initiated a dispute through Citibank 's online portal. 
Citibank 's portal reported an error during the dispute process ( CITI002 error ). I contacted Citibank customer Service through both their chat app and by phone. Each attempt to reverse this charge ended up with Citibank service people unable to help. They reported various reasons- " system upgrade '', " Inability to see data '', and " need for additional information from their system ''. A total of 8 customer service people were contacted- 4 of those resulted in disconnected calls, 3 of them resulted in handing off the problem to someone else and one said to call back " later ''. I spent a total of 2-1/2 hours trying to get someone to help.

I am trying to get this charge rightfully refunded as the goods were never delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account PHEAA which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PHEAA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.