23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX offered to take my joint loan application with my wife. Collectively we earn over XXXX per year and have over XXXX in assets. We sent in the application in XXXX and they said they needed proof of income via tax returns, even though I'd shown IRS transcripts and other official documents. I took the time to re-apply XX/XX/XXXX or so, then they decline again but WITHOUT even looking at tax returns. I'd taken the time to do the taxes per their request. I then called a manager and she said I could redo for a lower amount because these people didn't even counter offer. So I redid again at a lower amount, then they FINALLY ask to see the Tax Returns. Then again, they DECLINE based on a blanket statement of the same generic, uneducated XXXX reasons outlined prior, as if they don't know how to read. Perhaps they don't know how to read that we have XXXX in assets of what we want for the loan. I am appalled that they can pretend to offer high dollar loans, but they offer such XXXX analysis and are scared to offer money, and they don't counter.
Product: Vehicle loan or lease

i am sending you a copy of my payoff loan from XXXX XXXX XXXX. the payoff check was cashed by Ally Bank on XXXX. Ally Bank only applied XXXX to my account instead of the full amount of the check {$18000.00}. please correct this error by Ally Bank and close my account. ally Bank has already affected my credit worthiness as i have dropped XXXX points on my credit score which they also need to correct by sending credit bureau that this account is closed and paid in full. i was told Ally Bank that this would be cleared in 10 days on XX/XX/2022. well its been 10 days. i am willing to report this matter as a fraudulent act by Ally Bank as they still have not credited my payoff amount to my account and closed this account. also since they have not sent paper work to California XXXX. showing the new lien owners as XXXX XXXX XXXX they are in violation of that procedure by the California XXXX They need to correct their accounting error and apply the full amount and close my account. they need to contact the credit bureau and clear my credit report to show i am in good standing with my creditors. send the proper paper work to California XXXX to transfer lien title to XXXX XXXX XXXX, I have been dealing with this since XX/XX/2022 i have sent them proof of the the payoff check many times and have chatted with someone on their web site many times i have called and repeated their error to someone many times No results as of XX/XX/2022
Product: Credit card or prepaid card

I have applied for Citi Rewards + card by phone on XX/XX/XXXX, provided my current address and phone number. I have read the advertisement and believe I am qualified in regards to credit worthiness. Yet I was still denied for the card for the reason I am not a US citizen/permanent resident, whereas the terms and condition says nothing about the nationality restriction of phone application. I did provide a valid US address ( where the rejection letter was sent to ) and my current phone number. Besides my citizenship, I did not reveal anything about my permanent address overseas during the entire phone application. When I called the customer representative of Citi, their answer is that non-US residents have to apply on branch and the decision can not be reconsidered. Even though it is a student card, a hard pull has already been conducted and negatively affected my credit score this month.
Product: Credit reporting, credit repair services, 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. 

XXXX Acct # XXXX BANK OF XXXX Acct XXXX XXXX BANK OF XXXX Acct XXXX XXXX XXXX BANKXXXX Acct # XXXX XXXX BANK Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # 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.
Product: Mortgage

Caliber Home Loans notified me that they were going to transfer me to their VA home loan refinance department after calling in about my home loan account on an unrelated matter. I have been getting several VA IRRL letter advertising I qualified for a lower rate. I made clear that I did not want my credit run and the loan officer XXXX XXXX XXXX XXXX ) lied to me and told me that since I was already a customer that credit did not need to be run and there would only be a " soft '' run which did not affect my credit in any way. He claimed he was unsure if they could meet the same offers and said he was going to send it up to his bosses. That is the last I heard, then a week later I received many letters in the mail from Caliber, including an Illinois Borrower Information Document form that included none of the information that claimed was required by law. I also received a form asking me and my wife to sign a formal application which I will not be signing. I reviewed two other letters including a form saying Caliber illegally pulled my credit from XXXX saying without authorization. Caliber claims that it was a soft pull and had no effect on the credit. I contacted the credit reporting agency and they said anytime a numerical score is generated that it affects your score and that Caliber homes is lying. They also tried to pull my wires credit without authorization. I asked to speak to a rude manager and he tried to gaslight and also lie and claimed that he did not understand and to his knowledge he does not think generating a score affects credit. The company is coaching its loan salesman to lie and are pulling credit without written consent and then claiming that they are " soft pulls '' even though customers are receiving a letter weeks later with an official credit pull as required by state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DEPARTMENT STORE CREDIT CARD, ACCOUNT NUMBER XXXX is appearing on my Experian, XXXX  and XXXX  credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report now!
Product: Debt collection

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, MA XXXX I called this office several times to make a payment, only to be told that, I cant discuss this account with you, and being told that your account is in review. I was told that an Attorney would have to review my account. I asked the representative, " Can I make a payment to you today '', the answer was " no, I can't take a payment ''. I offered to make payments, offered to give you bank information to make an immediate payment. The XXXX XXXX XXXX representative refused my payment. Therefore, on XX/XX/XXXX, I called Discover and made a payment of {$1600.00}. Discover took my payment information and sent me an email confirmation of payment. However Discover did not post my payment. I have confirmation that Discover took my payment, however they refused to post it to my account. In the meantime, they are reporting me to be 90 days late. These actions are WRONG! 
I have contacted The Attorney Generals office in Massachusetts and Florida to investigate this matter. Your records should reflect the number of times Ive called to make a payment. I didnt know that you could deny my payments and report me late to the credit bureaus. I have proof that I tried to pay this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not been in compliance with regulations and the law under the FCRA- they have failed to provide documented proof of compliance reporting. And update unverified and inaccurate information - thats a defamation to my character
Product: Mortgage

On XXXX/XXXX/16, I received documents from US Bank dated XXXX/XXXX/16 stating I was approved for a deed in lieu if I complete the agreement. On XXXX XXXX, 2016, my security alarm was sounded due someone broke into my home. The XXXX locks on the screen door were damaged and the main door dead bolt was removed and the door knob had a lock box on it. My screens to XXXX back windows were raised. The police was notified. The person ( s ) were gone by the time we arrived. My lawyer, XXXX XXXX was immediately notified. Since he was traveling he requested me to contact US Bank to stop preservation. When I contacted US Bank I was told they did n't do it & my account was referred to a third party, XXXX. US Bank contacted XXXX and they stated they did n't do it either ( an invoice attached ). I also contacted the XXXX & XXXX law firm since I received papers regarding the deed in lieu that went with the other papers. They also said they did n't do this either. No one is taking accountability for this. The US Bank rep stated in their database I had to vacate the premises by XXXX/XXXX/16. I have not received any official documents stating when to vacate the premises. My last payment arrangement is due XXXX/XXXX/16. I informed the rep did n't you see my 1st payment & that I am in an arrangement so this could n't make since. I had to replace my locks and my security alarm had to get serviced since they damaged the sensor on the front door. I have attached my certified payment receipts received by the banks, my last payment made to the bank which should be received to them on XXXX/XXXX/16 per the postal service, pictures, letters from the bank with details, etc. My privacy has been violated and feel humiliated. I have had sleepness nights. I 'm very concerned that they will break into my home again and evict my belongings. I am very upset by all of this.
Product: Money transfer, virtual currency, or money service

No advocate available. No customer service phone number. Financial institution failed me by not taking proper provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging an account that XXXX, Equifax, and XXXX are reporting on my credit report. They are reporting XXXX late payments for XXXX XXXX XXXX XXXX when I was never late. I sent a letter many times informing them of this, but my request fell on deaf ears. I do not believe they started an investigation because they did not put a statement of dispute on my credit report. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I reached out to the creditor, and they informed that no one reached out to them to inquire about the account. I am demanding that this account be updated to paid, never late.
Product: Debt or credit management

OneMain Financial has denied me credit, which is in violation of USC 15 1691, 15 USC 1681, this was last week of the month of XX/XX/XXXX, they have made it difficult for me to manage my debts and violated my rights per the FCRA. I asked for XXXX $ of credit but they denied me. They sent me adverse action, however it is not a definitive reason based on my CREDIT score and XXXX score I am demanding they provide me the loan for discriminating against me and their unlawful tactics under the Equal Credit Opportunity Act ( ECOA ). 

15 U.S. Code 1691a - Definitions ; rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. 

The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. 

They have discriminated against me, they have used my credit as a factor but it is NOT a definitive reason to deny me CREDIT per USC Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to complaint # XXXX that was closed with no real proof provided. Automobile Acceptance claims to not have been able to even locate the account, then after sending in adl proof they were able to locate it and claim that the information is reporting correctly! Where is my proof of these claims? I am demanding all names and correspondence of who investigated this matter and I will also need the XXXX XXXX for this account, which includes the file, ledger, any and all accounting and transactional history, books of accounting and the ORIGINAL contract. This information that is being furnished by Automobile Acceptance is inaccurate and their negligence into this matter is disheartening. The CFPB should require companies to send verifiable proof regarding claims that are being disputed by federally protected consumers.
Product: Credit reporting or other personal consumer reports

Transunion is in violation of my consumer rights. I sent out disputes to them on XX/XX/year>. There was never a reply or mail back from transunion and by law I read they have 30 days to respond they are already in violation. I want these accounts listed in my attachments below investigated and deleted. The information reporting is all inaccurate and unverifiable and I listed and highlighted each account please see attachments. Please conduct a proper investigation and if these accounts are investigated again and there is even 1 inaccuracy reporting I am taking Transunion to court! Please make sure everything is 100 % accurate under 15 USC 1681e ( b ) - Credit report agencies must follow reasonable procedures in order to assure maximum possible accuracy concerning the consumer. If it can not be verified or any information reporting is incomplete delete it at once please. Please send me an updated credit report after your dispute is finish.
Product: Bank account or service

Regions Bank - I have checking accounts with them. These accounts have debt cards linked to them. On some of my debt card transactions ( not recurring transactions ) I have been charged overdraft fees for insufficient funds. Regions allowed these transactions to go through. Thus, they charged me each time an overdraft fee. 
I did not have the optional overdraft protection that Regions offers. Am I eligible for Regions to reimburse me these overdraft fees they charged my accounts instead of not allowing the transaction to be processed?
Product: Credit reporting or other personal consumer reports

I am very distressed that your company continues to include information on my credit file and has not maintained reasonable procedures in your operations to assure the maximum possible accuracy with the reports you publish. 

You have continually failed with every dispute I submitted to your company and your neglect has violated my rights. I have disputed these accounts numerous times with the same inaccurate information being reported and not being deleted for inaccuracies. 

Since it is apparently clear that you are unable to investigate and re-investigate properly I will assist. 

Three activities from XXXXXXXX XXXX  have been reporting inaccurate information within the XXXX credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I submitted the first dispute regarding this account it has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NO'T include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
INACCURATE YOU MUST DELETE Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Your improper procedures are highly damaging to my credit score. 
INACCURATE YOU MUST DELETE Not only the aforementioned this inaccurate account is reporting inaccurate and reporting inconsistent balances across bureaus which includes the 1. Inaccurate Balance information 2. Inaccurate Payment History 3. Inaccurate Date of last payment 4. Inaccurate Date of last activity 5. Inaccurate Date of opening 6. Inaccurate credit limit I could go on and on with additional numbers of inaccurate information that you failed to investigate but I will leave the rest for you. 

I have spoken to representatives in your company and was informed on a recorded line that if I want additional information from your company regarding the accuracy of the account and proof that I was to contact the creditor directly. Please explain how your company is reporting inaccurate information furnished by the creditor and the same inaccurate information is being reported to other bureaus. Please explain how you are illegally violating the rules of the Fair Credit Reporting Act by allowing this to continue. 

Please review attached document of side by side view of the inaccuracies that this alleged account is reporting to other bureaus. 

No need to provide this inaccurate information to the creditor so then can now update the inaccurate and inconsistencies that you have allowed them to report to you company falsely manipulating my credit file. 

It is your responsibility to ensure XXXX percent accuracy which you have failed to do so. 

I demand these inaccurate accounts to be permanently deleted from my credit file. Disputes from XXXX, XXXX and XX/XX/2024 have all come back inaccurate you must delete. 

This accounts date of first delinquency illegally being changed to manipulate the statue of limitations Please review attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax has NOT UPDATED my credit report and credit score with them since XXXX of 2019. Their information on my report with them does not reflect any of the positive things that have transpired over the last 6 plus years, etc. and is not coinciding with the other two reporting agencies. Additionally, name/information was involved in their massive DATA Breach and they refused to right their wrong. In fact, the information and score with them is 80 to 100 points off compared to XXXX and XXXX. I have requested repeatedly ( via multiple ways ) that they update my reporting & score to reflect the things over the years to aid my score just as they've discriminated against me to reflect yester-year, antiquated and outdated information on my report. As a result of them not fairly reporting all sides and them NOT updating my report and score since XXXX 2019, my score/report with them ( Equifax ) is INCORRECT and they have Blantly refused to rectify this and update my information as the other reporting agencies have and do on a monthly/regular basis. Again, monthly/periodic updates are NOT and HAVE NOT occurred to my credit report/score with Equifax. Last update was XXXX 2019. They are/have REFUSED to rectify this problem. I need assistance with how to further address issue and these unfair and XXXX, bullies.
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeatedly trying to explain to XXXX XXXX that the account in question did not belong to me, the company refused to update their system and remove the car payment from my name. Despite informing them of this, they continued to report delinquent payments on my credit report and harassed me with calls regarding payment for an account that was not mine. I argued that the person who is responsible for the account should be the one to make payment, not me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting an account as a charge -off on my credit report. This is an error. I have not received a 1099-c form from XXXX XXXX  XXXX 

A charge-off account should not have a balance listed the balance should be listed as XXXX. Also this account is past the statute of limitations in the state of Ohio and must be removed immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following account ( s ) Account Name : DEPT OF ED ( CLOSED ) Account Number : XXXX Account Name : DEPT OF ED ( CLOSED ) Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX ( CLOSED ) Account Number : XXXX Account Name : DEPT OF ED ( CLOSED ) Account Number : XXXX Account Name : DEPT OF ED ( CLOSED ) Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to do a short sale for my property. I have lost an offer due to unnecessary delay of servicer in reviewing submitted documentation. I resubmitted and offer again and the short sale package was deemed complete in XX/XX/2018 and as of today the file has been escalated for internal review five times to no avail. I am again about to lose a second prospective buyer due to loancares negligence.
Product: Checking or savings account

Chase closed my checking account because they couldnt verify my payrolls phone number. My check is sitting in a closed account. Until theyre about to verify it.