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

On XX/XX/ in good faith, using my Credit card ( XXXX ) I applied for a personal line of credit via Upstarts website. The amount requested was XXXX. My request was denied and upstart sent me an adverse action via email. I received no benefit from this unauthorized use of my credit which makes it fraudulent activity! 
Credit is the right granted by the natural person meaning I am the ORIGINAL CREDITOR. Which means I can not be denied my own credit and I am being discriminated against by UPSTART. In response I sent them and adverse action dispute letter only for them to elaborate on reasons why my application was denied due to company policies. Those policies do not over power federal law. I will seek litigation for the following reasons if my transaction is not approved immediately. 
Refer to 15 USC 1602 ( f ) CREDIT, ( g ) CREDITOR, ( i ) CONSUMER, ( l ) CREDIT CARD, ( p ) UNAUTHORIZED USE ( f ) term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ( p ) The term unauthorized use as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Credit reporting or other personal consumer reports

I am writing to you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an accounts listed on my credit file, which I believe to be inaccurate and incomplete. 

The accounts in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate these accounts and take appropriate action to correct any inaccuracies in my credit file. 

Furthermore, I would like to request verification of the aforementioned accounts. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the accounts without delay. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$38.00} ; XXXX XXXX Balance : {$67.00}.
Product: Debt collection

I sent over a copy of the police report with the fair credit report of identity theft but they refused to remove the account from my credit report. With not actually hard evidence I want it removed. The document sent over dont mean anything anyone can sign a document.
Product: Mortgage

SPS denied us a repayment plan home retention in response to XXXX we filed on XX/XX/2019 XXXX 46 days before foreclosure then scheduled for XX/XX/2019 ). XXXX completeness was affirmed by SPS on XX/XX/XXXX or XXXX, 2019. 
SPS denial letter of XX/XX/2019 stated Prior evaluation completed. SPS are currently not eligible for this option because SPS have previously been provided with a decision for this program. Prior evaluation that SPS refers to, confirmed by phone with SPS Customer Service and SPS Ombudsman Office representatives in XX/XX/2019, regarded previous SPS loss mitigation decision of XX/XX/2019 which stated Active Bankruptcy. We are unable to offer you this program at this time because there is active bankruptcy filing referencing this account or property SPS failed to exercise due diligence required by RESPA and to verify our bankruptcy status. Our bankruptcy was dismissed on XX/XX/2019. SPS was notified of the above bankruptcy dismissal by the Bankruptcy Court on XX/XX/2019 according to the Courts Certificate of Notice 12 CFR 1024.41 ( c ) ( 4 ) ( i ) ( 1 ) states : During the first 30 days following receipt of a complete loss mitigation application. Section 1024.41 ( c ) ( 4 ) ( i ) requires a servicer to act with reasonable diligence to obtain documents or information that the servicer requires to determine which loss mitigation options, if any, it will offer to the borrower. At a minimum and without limitation, a servicer must request such documents or information from the appropriate party Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. 
SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.
Product: Debt collection

They keep calling repeatedly saying they have a legal document and civil complaint against me. They are calling from XXXX. When I call back no one answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my credit score and not my fault.
Product: Debt collection

A debt collection company ( Budget Control Services , Inc ) continues to harass me and try to collect on a debt that is in dispute with my daughter 's dentist involving issues with our insurance company. 

I sent a cease communications letter via certified mail return receipt, that explained that their charges were in error and that I choose not to work with a third party collection agency. 

Today, I found out that BC Services placed derogatory & false information on my credit report and have continued collection efforts to include phone calls. 

I have copies of the cease communications letter they received, and certified mail receipt if needed. It was signed by " XXXX XXXX '' at their corporate office on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , CO XXXX on XXXX XXXX, 2017 ; 7 days after I received their threatening letter. 

I suffer from numerous ailments that are aggravated by XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, to name a few ). I just want this harassment to stop! 

Please feel free to contact me for additional information. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Victorias Secret card card when I lived in Oregon for a number of years. Always paid my bill and was never late and never over the balance. I paid off the card in XX/XX/2018, it was at a XXXX balance. I was scheduled to move into a new apartment at the end of XX/XX/2018. I started to move in and was unable to due to a bug problem and it was delayed for three weeks. Since I paid of the Victoria Secret credit card I didnt notice it missing until I received the statement and saw the changes, I reported it immediately. I wrote to the FTC, I put a freeze on my credit and I wrote a statement to Victoria Service. Not once did Victoria Secret send me a an acknowledgement letter or a Declaration of fraudulent activity. My case has been investigated twice and denied twice. I asked for the proof they have that those transactions are mine and they refused and told me to submit a subpoena. I have been fighting this for almost three years, my history with them should be enough to show this was not me. I was denied my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Experian the credit reporting company has failed to adequately investigate the information reported on my credit report reflecting inaccurate information which is a violation of the Fair Credit Reporting Act ( FCRA ). The information on my credit report is different from the information on other credit reporting companies because it does not convey all relevant information. In addition, Experian did not verify information provided by reporting entities, nor did they prevent reinsertion of previously deleted information. Experian disadvantaged me and my family because of their actions or lack there of, I lost job opportunities, fair cost for housing ( or lending ), high interest rates on credit cards as well as auto financing, and access to necessary resources for myself and my family which caused unnecessary hardships. I would like Experian to correct all adverse, delinquent and outdated information from my credit profile. Any changes made from credit profile should be sent to me in writing. In addition, I seek to be made whole in every way.
Product: Credit reporting or other personal consumer reports

Since XXXX  Ive experienced Identify theft, my information has been used multiple times to open accounts with capital one, every time its reported to my account I call them and notify them that the account has been opened fraudulently and they always say they will investigate it and never do a proper investigation even with police reports being filled, they update the account with my number Im calling from and say the information is accurate and cant be dispute.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
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. DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I was contacted by a NelNet collections agent requesting payment back in XXXX XXXX. I have not attended college at the XXXX XXXX University that they claimed that I did. When speaking to the agent in XX/XX/XXXX/XX/XX/XXXX we confirmed that the original address and email address was the fraudster 's information. We requested a fraud packet to be mailed to my address to complete. I filed the police report and sent all the verification documents to the company XX/XX/XXXX. I was advised that it would take a couple of months to process it, and I did n't receive another call until XXXX XXXX. When I received the call in XX/XX/XXXX, I was surprised to hear that not only have they not complete the Fraud claim, but my " account '' was further past due and if it goes any further then they will garnish my taxes and wages. This is insane. I have not attend a college since XX/XX/XXXX, and when I did I did not receive any loan to pay for the tuition. I just spoke to a XXXX on the phone from Nelnet today who stated that they would email me the documents today to complete again, but it will take a few months to clear up. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went in and completed an interview for XXXX and we proceeded to run a background check. Everything was fine until i received the results of the background check and found that a XXXX  older than 7 years had been reported to XXXX. I filed a dispute with the company and they denied my request stating that no rule exists and as a result, I received an email today stating XXXX had declined to hire me. From the research I have done the conviction is older than 7 years which is considered " old information '' and should not have been reported. 

I live in XXXX, Arizona. The XXXX I had applied to is located in XXXX XXXX. This has all happened within this month " XX/XX/XXXX''. The dates requested are inside the file I am sending with this. 

The second file I have included shows that I was denied unemployment as a result. 

I have included a copy of the background check. Under search parameters you can see that the background check specified XX/XX/XXXX - XX/XX/XXXX as the search window then and immediately below you can see the disposition date is XX/XX/XXXX which means that there own report acknowledges they exceeded 7 years. 

The name of the background check company is First Advantage. Here is there contact information https : //fadv.com/contact/locations/
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I received my XXXX credit report and noticed they are inaccurately reporting Citibank an current open line of credit with excellent payment history as an account in dispute. I have never contacted XXXX or Citibank and disputed Citibank line of credit. In addition, XXXXCitibank refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold Citibank/XXXX accountable XXXX I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Product: Debt collection

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


XXXX. Account info Account name XXXX Account number XXXX XXXX. Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX XXXX. Account info Account name XXXX XXXX XXXX XXXX Account number XXXX XXXX. Account info Account name XXXX XXXX XXXX Account number XXXX XXXX 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 account without my written Instructions.

15 U.S. Code 1681 : It also states a consumer reporting agency can not furnish a account wihtout my written instructions. 
( A ) Reporting information with actual knowledge of errors 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

Credit Karma and laws of title 15 USC-1692k section 813, 1692k ( 11 ), 15USCode-1681n-for every unauthorized inquiry on credit report! 
15 USC-1681b ( c ) ( 1 ) 12 USCode-83-banks can not lend money as defined by law they are the borrowers and they purchase securities. A deposit is banks record of it's debt owed to the public 15 USC-1635/12 CFR-1026.3 ( b ) ( 1 ) ( i ) ( a ) Bills of Exchange ACT of 1882 Federal Reserve ACT Currency ACT Birth certificate ACT Securities exchange ACT Federal Reserve ACT , section 16/credit denials are unlawful. The application is a Promissory Note Breach of contract which constitutes securities fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Bridgecrest several times, the last time was XX/XX/XXXX asking them to update wrong information they were reporting on my account. Bridgecrest has reported that they last receive a payment from me XX/XX/XXXX when I have made multiple payments. Bridgecrest show that I am 30-60 days late on my account and I am not. Bridgecrest also states that I have been 79 days past due which is a lie. I got COVID extensions from Bridgecrest which stated I would not be penalized credit wise. Bridgecrest has a history of inaccurately reporting on consumers files.
Product: Checking or savings account

I can not withdraw or access any money from my account. This has been ongoing for several weeks
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) : XXXX, XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

INCORRECT FRAUDULENT INFORMATION ON MY REPORT Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information Did not consent to unauthorized inquiry 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

COMPANYS IN VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX