23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a XXXX female who was discouraged and denied credit because I was told I could not use XXXX income to qualify me for my home. My builder was charging XXXX to build my home on land I owned valued at XXXX. I was told XX/XX/2022 XXXX. Yes I got a denial letter after the fact but I have a written text from XXXX XXXX who stated otherwise. 

XXXX XXXX at XXXX XXXX told me : I confirmed with underwriting we can not use your living and food stipend that is non taxable for qualifying. Non taxable wages can not be used towards qualifying income per underwriting guidelines. One way to look at it is to earn the taxable wages it requires you to have expenses for living and food, so the money you receive for those items are being used to cover an expense needed to make wages and are not additional income in the end. 

2 options I can think of. We can look to add your husband to the loan and utilize his income so long as he qualifies with his credit score, we also have to factor in debt in just his name. Second option might be contacting a credit union or small bank. They might have different rules in which they could use your additional income towards qualifying. 

If I could use the full {$9200.00} in income listed on the application you did qualify for the {$250000.00} requested. 

A different loan processor told me my income could be used her name is XXXX XXXX ( XXXX ) XXXX. She also told me she was working on a ( white ) client in my sans situation with non taxable income and she had gotten approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Account Number XXXX Account Number XXXX XXXX XXXX {$4400.00} POSTED ON XXXX XXXX  CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$510.00} POSTED ON XX/XX/XXXXXXXX XXXX  CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting or other personal consumer reports

Here 's a description of what happened, without including personal information : In 2007, I went through a divorce from my XXXX. Since 2008, I have been living and working full-time in the XXXX XXXX , including XXXX, XXXX, and currently, the XXXX XXXX XXXX XXXX XXXX ) . 
Recently, I discovered that this credit account was opened without my knowledge or consent. I believe that my XXXX, her friends, boyfriends, or family members may have opened this account, along with several other credit accounts, using my personal information after our divorce. My XXXX knows my Social Security number and birthdate, but she denies any involvement in opening these accounts. 
I have provided documentation multiple times to substantiate my claim that I have been living and working overseas since 2008, making it impossible for me to have opened or used this account. I am currently undergoing a background check for a security clearance renewal, and this account has reappeared on my credit report last month. 
I am requesting that this account be removed from my credit report, as it is not my account and was opened fraudulently without my consent. I am willing to provide additional identification documents, such as my driver 's licenses from XXXX and XXXX, to prove that I have been residing in the XXXX XXXX during the time this account was opened and used.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

REMOVE FRAUD ALERT FROM EQUIFAX, XXXX XXXX
Product: Credit card or prepaid card

I have been trying to get a hold of XXXX  XXXX XXXX services, by Comenity bank for three weeks. Today was the first time my call was not disconnected automatically. The rep sent me a link by email but it still loads and loads and then says I can not login, their site says " sign in is not available at this time ''. How can I manage my account and pay my bill if your site does not allow it?
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry that appears on my Experian credit report. 

Below are the details of the inquiry in question : Report Number : XXXX Creditor Name : XXXX XXXX Type of Business : All Banks Date Inquiry : XX/XX/XXXX Report Number : XXXX Creditor Name : XXXX XXXX XXXX Type of Business : Bank Credit Cards Date Inquiry : XX/XX/XXXX Report Number : XXXX Creditor Name : XXXX XXXX XXXX Type of Business : Bank Credit Cards Date Inquiry : XX/XX/XXXX Report Number : XXXX Creditor Name : XXXX XXXX XXXXXXXX Type of Business : Bank Credit Cards Date Inquiry : XX/XX/XXXX Report Number : XXXX Creditor Name : XXXX XXXX XXXX Type of Business : Bank Credit Cards Date Inquiry : XX/XX/XXXX I do not recognize or recall authorizing this inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter with the entity that made the inquiry and remove the unauthorized inquiry from my report if it can not be verified as authorized. 

I am attaching a copy of my credit report, where I have highlighted the disputed inquiry, along with a copy of my identification to verify my identity. Thank you for your prompt attention to this matter, and I look forward to a resolution within the 30-day time frame mandated by law. Please feel free to contact me if any further information is required. 

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

My account with XXXX  was never late! I have had exceptional payment history with XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquires from JPMorgan Chase Bank on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  refuses to investigate and delete fraudulent unauthorized hard inquiries, they simply say they Im out of luck. 

Here is the letter I sent them. 

XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Dear XXXX  I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX  INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX ON : XX/XX/XXXX Creditor : XXXX XXXX XXXX  INQUIRY ON : XX/XX/XXXX Creditor : XXXX XXXX INQUIRY ON : XX/XX/XXXX Creditor XXXX XXXX XXXX INQUIRY On : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Inquiry on : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX  XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry on : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Inquiry on : I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I look forward to receiving an updated copy of my credit report reflecting the above corrections. Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of obtaining a mortgage loan and am trying to remove 2 items with Barclay Bank that are reporting as delinquent, despite the fact that they have been paid in full since XX/XX/XXXX. I need to resolve this as quickly as possible as my closing date is set for XX/XX/XXXX and we need to lock my mortgage rate 15 days prior. I have been trying to resolve this issue for the past few months. I had 2 credit cards with Barclay Bank that went into delinquent status in XXXX and were turned over to debt collection agency XXXX XXXX XXXX. On XX/XX/XXXX I paid the full balance due on both accounts to XXXX and have a letter of receipt for both provided by XXXX. ( attached ) XX/XX/XXXX, I called XXXX to find out why it had n't reported to the credit bureaus and was told I would have to resolve this with Barclay bank directly. I was given very explicit instructions to speak with a supervisor to get this information. After several attempts, I was told there was nothing they could do that it was my responsibility to dispute it. My mortgage lender has been assisting in the process of getting this removed, speaking directly to Barclays with no result, working through their credit reporting company and has mailed dispute letters ( attached ) on my behalf to the credit bureaus. In a last ditch effort, today ( XX/XX/XXXX ) he mailed the letters and receipts to the credit bureaus after getting no result to date and suggested that I file a complaint with CFPB. Barclays has been unwilling to accept my authorization to reach out to the credit bureaus to update my information and has been unable to provide any help on this matter. Barclay has been unwilling to help resolve this matter and it is wrong. It has now been nearly three and a half months since I paid this debt. I need to get this removed as soon as possible so that my home loan can move through at a reasonable interest rate.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. I believe these practices were deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and a fraudulent account reported from my credit report. Contacted debt collector asked for proof of the alleged debt, specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting a misleading false account. This account was XXXX - XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block.inc ) due to inadequate customer service and unfair practices which violates the customer, financial protection act specifically Cash App failed to take timely and effective measures to prevent and address fraud On their platform leaving my account vulnerable and unprotected Furthermore, they dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Reporting Late Payments Company Name CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX In Accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer report for any purpose
Product: Credit reporting

Hi, This account was settled between us and the landlord outside of court, and was never supposed to be entered into the court system at all. We went in front of a majestrate and came to a mutual agreement and settled. And since then had paid a long time ago. Its been a long time now, and I got a email saying that I have an update to my credit report and when I went in it said that I have a public record on my credit report. 
I wrote them a letter requesting that they send me some information back validating all this information and never received anything back. That was months ago. 
Also I 've called the court a few times, and they said that they do not know why it was ever entered into the system and they would fix it, and again that never happened. And now its appearing on my credit report. 
The court has said multiple times to us that there is no reason for it to have been entered and it must have been a mistake for some reason. But it makes no sense why out of the blue its being put on my credit report. 
I can not afford to have this on my credit report, I have been trying so hard to build up my credit for years now, just to have it knocked down by something that I am not even responsible for. 
Please can you help me? I do not know what else to do? 
I also tried to contact my prior landlord at least 10 times now, and nothing. No return call. 
Ive left messages at his business, and on his cell phone that I had the number from years back. I do not know if thats the same number, but at the business they said many times he would call back. And he never does. 
I can not wait any longer on this. This is not fair at all to me, I did everything that I needed to do to fix that and have no idea why this is happening. 
Please again I just beg that you will be able to assist me with this. This is the last place that I can turn to. No one else responds, or does what they state that they will do, and take this off of my credit report. 

Also it is only showing up on Transunion so far, but they always just come back with that it is my account and is valid. Anytime I have ever needed help for anything to do with my credit report Transunion is never helpful. Its like they do not even look into anything and just automatically say it belongs to me. So I know that it will go to them, but I ask that it can be overlooked by you guys since they really do not seem to do anything when I ask for any help with anything. Besides kind of blow me off. 
Thank you so much for taking the time to read and respond to this message. 
I really appreciate it very much! 
Sincerely, XXXX
Product: Vehicle loan or lease

The vehicle time and chain went out, which costs XXXX to fix which was more than the vehicle was worth l, I took it to a shop and because I didnt have the money to fix the repairs or the money to move the vehicle from the lot, the lot repossessed it and the car company allowed them to do so and now they are trying to make me responsible for the bill, then its still in my name somehow while its sold to someone else and that person had an accident in the vehicle and theyre trying to charge me for damages and this is stopping me from getting financing through a different company
Product: Credit reporting or other personal consumer reports

Nothing was solved with accounts after dispute with collections for the following : XXXX XXXX XXXX - $ XXXX NO ACTION TAKEN BY COMPANY XXXXXXXX XXXX XXXX XXXX NO ACTION TAKEN BY COMPANY XXXX XXXX XXXX XXXX INSURANCE SENT AND COMPANY STILL DID NOT REMOVE.
Product: Credit reporting or other personal consumer reports

I have multiple names under my account thats not me and recently I had to remove my twin brother off of my account meaning that he has used my name without me knowing
Product: Mortgage

I 'm following up on the complaint I originally submitted against Wells Fargo. When they purchased my loan, according to my legal/signed HUD agreement, they were to collect tax payments to pay my taxes. They did not, nor did they notify me that they were n't paying them. They now have paid my taxes and have now raised my mortgage payment to over double what I am paying now, which I can not afford! It was their fault - THEY did n't abide by my legal, signed HUD contract - they need to spread my tax payments out over several years so that it 's affordable for me!
Product: Checking or savings account

On Friday XX/XX/XXXX, my payroll department issued me a paper check rather than depositing it into my checking account. I did not know this until Saturday, XX/XX/XXXX. At this point, I had overdrawn my account. I called the bank. I was assured that, as they have an overdraft rewind program, I would be fine as long as a deposit was made before XXXX XXXX the following business day. That is today, XX/XX/XXXX. 

I made a deposit Sunday morning via ATM to cover the overdraft and a transaction that was outstanding by had not posted. 

In the meantime, Ive been assessed {$70.00} in overdraft fee. Theyve posted the transaction that wasnt showing as of yesterday on FRIDAY. None of these transactions posted before the close of business on Friday. And now Im holding my breath to see how many Ill be assessed. 

As I get paid weekly and am a single mother, this could very well translate into not being able to afford groceries this coming week. 

I have called Wells Fargo. I have emailed. The best they can do is {$8.00} and some change. I have requested a supervisor. Ive requested his supervisor. Ive currentl been holding for 30 minutes on what was a 3 minute wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these pavments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 
Update the account to Paid on time and never late. Or remove it from my consumer report. 


Dear XXXX XXXX : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately.