23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On the XXXX of XXXX, XXXX I applied for a line of credit through Discover it Card where after I answered the questions asked of me and provided my personal information like my name, address, social security and other personal information, I received a denial letter, advising that my credit was denied. Upon further educating myself I found that discover has violated my consumers right by discriminating by treating my application unfavorably based on other credit transaction under Equal Credit Opportunity Act 12 CFR 1002.7 Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. ( m ) Credit transaction means every aspect of an applicant 's dealings with a creditor regarding an application for credit or an existing extension of credit ( including, but not limited to, information requirements ; investigation procedures ; standards of creditworthiness ; terms of credit ; furnishing of credit information ; revocation, alteration, or termination of credit ; and collection procedures ). 
( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. Consumer Credit Protection Act 15 U.S. Code 1691 - Scope of prohibition : ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( e ) Copies furnished to applicants ( 1 ) In general Each creditor shall furnish to an applicant a copy of any and all written appraisals and valuations developed in connection with the applicants application for a loan that is secured or would have been secured by a first lien on a dwelling promptly upon completion, but in no case later than 3 days prior to the closing of the loan, whether the creditor grants or denies the applicants request for credit or the application is incomplete or withdrawn. Furthermore, Discover also, violateXXXX XXXX XXXX XXXX XXXX XXXXXXXX, the securities XXXX of XXXX, XXXX XXXX XXXX XXXX and Consumer Protection Act, Consumer Financial Protection Bureau website and Financial Industry XXXX XXXX XXXX and XXXX  ( XXXX XXXX XXXX, XXXX XXXX XXXX. ), as I explained to them, on the notices sent certified mail, I am aware my application with my social security and signature, is a security and I demand they compensate me for it.
Product: Credit reporting or other personal consumer reports

Termination of Lease Due to Negligence and Unsafe Living Conditions Park At XXXX Filed eviction when they Moved me to Back of Apartments For Rat infestation and Management was Not in Office to Accept Payments 3 Months After They Moved me. Offered Pay and Stay They Accepted. 1. **Rat Infestation** : I endured a documented rat infestation for six months in my initial unit before property management decided to relocate me. The infestation was a serious health hazard and was not addressed in a timely manner. XXXX. XXXX XXXX : Upon moving to a new unit, I discovered that the HVAC system was non-functional. Despite repeated requests, this issue remained unresolved from XXXX until my departure in XXXX, making the unit uninhabitable, especially during extreme weather conditions. XXXX. **Lack of Security** : The security gate has been non-functional for over two years, compromising the safety of all residents. Additionally, the lack of on-site security has led to multiple break-ins : - My unit was broken into twice, with police reports documenting both incidents. - Squatters occupied the unit above mine, resulting in theft and additional safety concerns. - During my recent visit to pack up my apartment, I discovered a squatter had taken residence due to the unrepaired window from the first break-in, necessitating another police call. 4. **Safety Concerns** : As a single woman living alone, I was the only resident in the entire 5 buildings at the back of the apartments. This isolation, combined with the aforementioned security issues, has made me feel extremely unsafe and vulnerable. Due to these conditions, I have been forced to vacate the premises for my safety. I am also concerned about my credit and rental history. I have a balance from the time between reporting the rat infestation and the time I was moved. I intend to pay this balance and have made a {$2300.00} payment today, XX/XX/XXXX. I will return on XX/XX/XXXX, with {$1200.00} more. However, I request that this lease termination does not negatively affect my credit or rental history given the documented negligence and safety issues. Please note that I am returning my keys on XX/XX/XXXX. I have been unable to complete a move-out walkthrough with the property XXXX as they have not been available since XX/XX/XXXX. I would appreciate confirmation of the receipt of this notice and the keys, as well as the outstanding balance and my payment. XXXX XXXX ( XXXX ( XXXX ) XXXX ) XXXX Received last Payment on XX/XX/XXXX XXXX balance is satisfied Please contact for question and Answers XXXX XXXX account ( XXXX ) Paid Confirmation ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the rights 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 credit card account under an open end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting Act. 

Also Inquires listed below were made without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Case number : XXXX I 'm having problems with login and no password has been emailed to me. 
As of two days ago I have received letters from XXXX and American education services, they have denied me again! ( From AES : We reviewed your application for loan discharge due to an unpaid refund and determined that you are ineligible or that additional information/documentation is needed ). They denied me due to missing information, and texas workforce stated they ca n't provide any records and I have called all over XXXX, texas no one is n't helping me to locate the attendance records, and refund from the school? So where is the help this is unjust, I have call state agencies, U.S. Dept. of education, and state district NO HELP! I 've even tried to speak with the Loan servicer of AES all they can state is you signed a promissory note, yes but where are the documents? where is the refund? I really need help assistance, because the school had closed and I have n't received the funds back from the school? I have paperwork that was giving to me, obviously someone is either hiding the true facts of my records/refund from the school? I do not have a certificate, and If i did have a certificate I would be working as a transcriptionist.I have n't graduate from the school, if there is no records of me attending the school why i 'm I paying on a loan that I never exist at this school? 
Even more they had me assuming that I have to payback this loan, and the only thing at the time was to consolidate, I had a trouble life and that going to school was the best option for me, but when the school did n't have XXXX programs I tried to leave the school then, they stopped me and place me in transcriptionist classes. Not long I withdrew from the school. Signed paperwork. No one do n't have any records of me attending school? Well other then Federal Student Aid has the school showing but no attendance dates is present. 
I did go to this college, but I withdrew and the refund was never credit back to XXXX XXXX/ or to me. 
College : XXXX XXXX XXXX
Product: Credit card or prepaid card

On Thursday, XX/XX/2018 I received a notice on my computer from XXXX XXXX, Then I received a call from XXXX, XXXX. The people that called me truly scared me into thinking that my bank accounts were being compromised and that hackers were in the process of extracting {$6800.00}. This process was going to be happening over a few weeks time and I wouldn't be made aware of this until after it happened. 
I definitely feel extremely foolish. The men talked to me for over 4 hours. Yes, they convinced me to go to XXXX 's and purchase an XXXX XXXX card for {$500.00}. 
Once I had given them the numbers they showed me that my US bank card had been credited back to my account. I feel so foolish as to believe them especially now that I've had a chance to re-evaluate the situation. The next store was XXXX in XXXX 's where I purchased another card for {$500.00} and then the final store was XXXX where I purchased 10 cards for XXXX. I was to give the man the back numbers of the cards and then of course they convinced me that I'd have to go to more and more stores yet by this time I was at the airport and I couldn't do anymore purchases- thank goodness. My family is very unhappy with me. 
I do have all of the receipts : 1- XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX for {$500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ... XXXX {$500.00}. 
3rd Store : XXXX : XXXX XXXX, XXXX XXXX XXXX # XXXX VCD # XXXX {$1000.00} I did contact US Bank within 2 hours of this happening. I also called XXXX XXXX. 
US Bank said that nothing could be done to help me. I spoke with a friend that told me to contact Consumer Protection Agency. I have contacted the Sheriff 's Dept. and they referred me to file a complaint with the FBI. 
I do not have a call back number for the people that contacted me yet I did receive 15 calls back from the man that had me do this and he wants to send me a check for the XXXX. Yet, he had someone else use his name and the man tried to get all of my banking information, which I did not give to him yet he was able to get onto my laptop. 
However, I hung up on him and he has since called me back over 20 times yet I'm not answering any of his calls. Now his calls come in on No Caller ID. 
I figure that if anyone wants to talk to me that they'll leave a message. 
Is there anything that can be done to help me with this {$2000.00} situation? 
I do understand why US Bank doesn't want to stop the payments because the hackers had already cashed in the XXXX XXXX cards and XXXX XXXX cards. 
This has been really hard on me since I am a widow and I need to feel that I can take care of myself without my family coming down on me rather hard for being so foolish.
Product: Vehicle loan or lease

I bought a XXXX XXXX from XXXX XXXX XXXX and was told in order to get their rebate off my car I had to take a loan out so u said I can but I can pay it in full and the dealer told me I had to make XXXX payments and could not pay it off the day of purchase with the bank so now Ive been charged over XXXX in interest waiting on my loan information from PNC and this was predatory lending practices and high pressure sales which are both illegal. They also did a 6 year loan at XXXX and did not shop around for any rates and gave me a very high rate and term.
Product: Payday loan, title loan, or personal loan

There was no response to the 3 issues that I am concerned about that needs Investigation on 1. Regarding the {$250.00} Pay for Performance under the 2MP Program I did not receive that credit. The dates below shows the years I did not receive. 

The Issues I have concern about were not addressed ( If they were please advise where ) program was not received for the year XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
( I asked for a copy & that's not been provided ) 3. The $ XXXX ( {$5000.00} ). one time incentive payable the 7th year was not added to my account, the Frank Certification (  form 720 ) Wells Fargo did not follow the guidelines of payment, I never received payment. 

4. ( For each payment, a portion was added toward the Principal & a percentage to the Interest. 
percentage applied to Principal & percentage toward the Interest. 

5. I would like to get a document that shows what my payoff would be for this account.
Product: Credit reporting or other personal consumer reports

I recently received a full credit report analysis from XXXX and noticed accounts that were supposed to be removed months ago, along with a new one from XXXX. The accounts listed, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine and appear to be related to identity theft. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of fraudulent information from my credit file. This inaccurate data, stemming from fraud, should have already been deleted but remains improperly listed. Under FCRA Section 605, you are required to eliminate any incorrect records. I have previously submitted the necessary supporting documents and am including them again for your reference. My attorney is aware of the situation and prepared to pursue legal action if this matter is not resolved promptly. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XXXX/XXXX/XXXX and certified mail XXXX on XXXX/XXXX/XXXX. We are now prepared to take legal action if this is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX and XXXX with XXXX, equifax and XXXX with a copy of the police report over and lever, they dont do anything those accounts are due to ID theft, I didnt do them and never heard of XXXX and never opened any loans or accounts with XXXX XXXX XXXX I even sent them a police report.
Product: Credit reporting or other personal consumer reports

Navient moved my account to XXXX upon which I have paid off. The transfer took place XX/XX/year>. Navient is still reporting the balance on my credit report. Could you please have them close my account and zero out my balance? 

Thanks, XXXX XXXX
Product: Debt collection

Re : Dispute of Debt and Violations of Consumer Protection Laws Dear [ XXXX XXXX XXXX XXXX XXXX ], I am writing to formally dispute the debt referenced in your correspondence dated [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. This dispute is based on my assertion that your actions in this case violate several provisions of federal law, including : 1. 12 CFR 1006.34 ( b ) ( 5 ) This regulation prohibits debt collectors from using unfair or deceptive means when communicating with a consumer. Specifically, I believe your agency may have engaged in conduct that constitutes harassment or misrepresentation regarding the nature or amount of the debt, which is not in compliance with the Consumer Financial Protection Bureau ( CFPB ) rules.

2. 12 CFR 1006.34 ( c ) ( 4 ) Under this section, debt collectors must ensure that they do not make misleading or false representations regarding the amount, status, or ownership of a debt. I believe your communications regarding the debt in question may have violated this rule by providing incorrect or deceptive information.

3. 12 CFR 1006.34 ( d ) This provision requires that debt collectors must make reasonable efforts to ensure that they do not violate the rights of the consumer by continuing collection efforts under circumstances where the debt has been disputed or where the consumer has requested clarification. I assert that your agency has failed to respect my rights by failing to properly acknowledge or respond to my dispute, continuing actions without verifying the debts accuracy.

4. 15 USC 1681s-2 ( 7 ) ( A ) Under the Fair Credit Reporting Act ( FCRA ), you are prohibited from reporting inaccurate or incomplete information to credit reporting agencies. I believe that the account in question, if reported to a credit bureau, may be inaccurately listed, violating my rights under the FCRA.

As such, I respectfully request that you cease and desist all collection activities on this account until you can provide me with proof of the debts validity and compliance with the applicable regulations outlined above. Specifically, please provide the following : A detailed breakdown of the debt, including original creditor information, account numbers, and the date the debt was incurred.

Documentation of your right to collect this debt.

Evidence that the debt has been reported accurately to credit reporting agencies ( if applicable ).

A written confirmation that you have complied with the applicable provisions of the law regarding debt collection practices.

If your agency fails to provide sufficient proof or continues to violate my rights, I will take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any relevant state authorities.

Please send all correspondence regarding this matter to the address listed above. I appreciate your immediate attention to this issue and expect a resolution within the required timeframes specified by law.

Sincerely, [ XXXX XXXX ]
Product: Money transfer, virtual currency, or money service

Robinhood. i recently opened an account. i have {$250.00} in there that i deposited. they then restricted my account, and said it was under review and they would let me know the decision by XX/XX/XXXX. then on XX/XX/XXXX, they said theyd let me know a decision by the XXXX. then in the XXXX, they said theyd let me know by the XXXX and so on. now it keeps changing and wont let me access my funds and this is all the money i have left. it has asked me in a pop up message to submit documents, i do so and it then says i have to submit them again. i keep submitting them but it keeps requesting the documents!! ( bank statements ). i have tried contacting support only to be ignored or sent in circles never actually getting to speak with any real person. its been a week now so id like to take my money out and be done!! i have followed every prompt and gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is on my credit report stating that I owe them XXXX once I told them my bank statement states that only owe them {$2000.00} and I requested a loan modification packet they denied me the loan packet and told me my house was in foreclosure then got on the phone and told me they sold my house in XXXX I'm totally confused I need XXXX XXXX to update my credit report I file bankruptcy XX/XX/XXXX which wiped out that debt my bankruptcy just got dismissed XX/XX/2021 and I've been currently paying my mortgage I'm behind by 2 months I apply for mortgage assistance I got approved I was stated once the money get there they're going to return it I need them to stop playing I'm not trying to be homeless I would like for them to fix my credit update my documents and mail out my loan modification packet I'm currently they're eating up my whole credit score where I can't use my credit at all this is not fair.. otherwise I feel like they're trying to steal my house.
Product: Checking or savings account

I reported fraudulent activity from my Bank of America checking account on XX/XX/2021. After being told that the bank would investigate my claim, they closed my case citing insufficient grounds to investigate. After providing additional information to support my claim via numerous customer support calls and a written letter ( faxed XX/XX/2021 ) providing more details to support my case, my claim was once again closed without escalating or investigating the claim any further. The bank did not even contact the merchants in question. I have again submitted a letter ( faxed on XX/XX/2021 ) to reopen the claim but the bank has not provided any indication of the status of my case or the timeline for when they expect to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out on XXXX that I had an outstanding bill of {$76.00}. I called XXXX, who had the debt originally and inquired about the bill. I had no idea I even had this debt. No phone call nothing. I paid the debt immediately. Once I paid it everything is closed. I saw that the collection agency XXXX uses is RPM collections. I called to inform them that they are reporting to Equifax a debt of {$150.00}. It was exactly double of the original bill. I called to ask about it. No one knows anything. XXXX says call XXXX and XXXX says to call XXXX. So far no one will help. They are still reporting that I owe this money. The debt of {$76.00} was paid on XX/XX/XXXX18. Immediately the {$76.00} came off the credit report. But it shows that XXXX is still reporting it only the amount is the {$150.00}. I've asked for them to please research but they say it's paid and nothing shows. When the customer service rep looks it up they have the wrong address attached to my name. Neither side have even attempted to help until I spoke to XXXX again on XX/XX/2018. They said that they would look into it and might call me in 2 days. I've heard nothing. I've called many times. Won't give me a letter of paid in full either so I could handle it myself.