23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX Code XXXX ( b ) ( a ) ( XXXX ) : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Per this law, I, as the consumer, XXXX XXXX XXXX, has not authorized, nor given any instructions to furnish such information on a consumer report. 

Also, under XXXX XXXX Code XXXX ( XXXX ) ( b ) which states compliance and procedures : ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Per this law, there are specific procedures were not implemented that assure maximum possible accuracy of the information. 

Also, under XXXX XXXX XXXX XXXX ( a ) ( b ) which states the permissible purposes of consumer reports ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Per this law, to investigate a consumer report did not obtain information through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom she is acquainted or who XXXX have knowledge concerning any such items of information ; including the original creditor. 

XXXX. Additionally, I have not given permission to furnish no such data -- - XXXX XXXX XXXX XXXX ( b ). 

XXXX. This credit bureau has not provided a method of verification procedures that are permissible under the law -- - XXXX XXXX XXXX XXXX ( XXXX ) XXXX. There has been no contact with the original creditor, the XXXX XXXX XXXX, about this information. -- - XXXX XXXX XXXX XXXX ( XXXX ) XXXX. No online searches on public sites can be used to validate debt -- - XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Attached is a letter to the consumer from XXXX that states that it " does not report or verify information with credit bureaus, '' nor furnished the credit bureau with any information
Product: Credit card

the company closed an account that was up to date, they keep harassing me for payments. i do not have a payment plan with them. they are not negotiable. they forced payments through my bank account
Product: Credit reporting or other personal consumer reports

multiple incorrect information on my reportXXXX XXXX has no replied or complied. 
evidence is submitted below
Product: Mortgage

My wife and I are interested in buying a newly built home. The builde r is    XXXX   XXXX  .   XXXX   XXXX   will give you a {$5000.00} discount in closing costs, but only if you us e DHI Mortga ge even though they have A BUILDERS INCENTIVE AND CONCESSION ADDENDUM that states you can use any other settlement services provider . DHI Mortg age 's Interest rate is .50 % HIGHER than what I can get from a competing lender.   XXXX   XXXX   will not honor the {$5000.00} discount if we use another lender. The lower interest rate offered by the other lender will save us over {$31000.00} over the life of the loan.   This appears to be a " steering '' practice by the builder. I thought steering was  Illegal?  Now we stand to loose the {$5000.00} discount offered by the builder. Builders should not be allowed to penalize the consumer by simply choosing another lender that is not affiliate d with    XXXX   XXXX  . Why is builders sales rep allowed to stiff arm, steer, and guilt us into using their own lender. This must be stopped!! Any feedback would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was accessed by XXXX XXXX which caused my score to drop 28 points with Equifax. XXXX XXXX did an investigation and found that I didn't apply and my social was never used. They have no information to show that I applied. The date of the hard inquiry was XX/XX/21. I informed XXXX XXXX and they sent me and Equifax a letter saying it was an error and asked that all bureaus remove the hard I inquiry. I filed a report with the FTC and with this company previously as well. However, Equifax is now saying that didn't receive any documents from XXXX XXXX asking to remove the inquiry and that XXXX XXXX could have it removed electronically. I have been calling XXXX XXXX and have been put on hold for over an hour to be disconnected over 3 times. I submitted every document required by Equifax and they are still not taking my dispute seriously enough to help and XXXX XXXX is even worse. Please remove this unauthorized hard inquiry from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was a victim of scam/fraud. I immediately reached out to XXXX CEO, spoke with XXXX XXXX asking for any sympathy as a 3 year customer who never paid late. I sent all supporting documents to prove my claim. The request to reopen my account was denied.
Product: Debt collection

Dispute was filed with XXXX XXXX on XX/XX/XXXX. Since no verification was ever provided I contacted XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Still no basis for disputed charge has been provided.
Product: Student loan

I have tried to work with Navient. I am the co-borrower on private student loans. The payments have all been transferred to me. These private loans were discharged in bankruptcy from the original borrower so now they have all been transferred to me-payments of over {$4000.00} per month. I can never repay this with interest rates of 14 %.

If a loan is discharged through bankruptcy then it should be discharged!! Not transferred to me!!

Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account that I requested to have closed and then reopened with XXXX XXXX last four account XXXX. I have disputed with all 3 agencies and the are still incorrectly reporting the information. The account status is still showing closed, showing a balance and that I was 3 months late. I previously had a XXXX credit score and all of the reporting errors are negatively impacting my score and ability to obtain personal and business credit. 

In accordance with with the fair credit reporting act the creditor has violated my rights. Under 15 USC 1681 section 602 I have a right to privacy. 15 USC 1681-604a section 2 a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and closed consumer account can not consider late for any reason.
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open XXXX XXXX XXXXXXXX {$400.00} Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$24000.00} Date Open : XX/XX/XXXX
Product: Student loan

The company called repeatedly stating they could help me to lower my payments, so finally I contacted them. They told me from the start, back in XXXX of 2017 that my monthly student loan payments could be as low as $ XXXX/month, and that after 15 years the loan COULD be forgiven completely. They told me I had to pay {$690.00} over 3 months to get the plan set up, and for some reason I understood part of that money was going toward my student loan, to show that I wanted to repay my loan, and to " bring my payments up to date ''. After they received all of the payments I learned that the total {$690.00} was just to pay them to process paperwork I could have done myself. But they led me to believe they had a special program, and it was the only way to lower my loans. Then they told me I would receive the information necessary to start my payment schedule. I received an email detailing how to access the navient web page to set up my payment plan. I could n't figure it out so I contacted them, and they told me I did n't have to pay anything against my loan! Instead, the $ XXXX/month payments were to keep them handy to " help '' me, to answer questions, and to refile paperwork next spring to re-enroll me in the " payment plan '' .When I mentioned that $ XXXX/month is NOT a payment, the guy went on to tell me how much money I owe and how lucky I am that they got my payment down to XXXX!! They also falsified my information, putting my family size at XXXX. They said they got my payments so low because they were able to prove I make below the poverty level for my state. They lied to me, and they lied about me. They filled out my paperwork, and did it while they had me on the phone. I assumed they filled it out correctly, and entered the information I gave them.
Product: Credit card or prepaid card

I made a purchase online to Home Depot for ( 2 ) air conditioners. After they changed the shipping date to a later date, I called on X/X/17 to cancel the order. They transferred me from the customer service department to the major appliances department where my cancellation/credit was processed. I then found out a week later that the cancellation/credit was not processed as I received another call with them trying to attempt delivery on the cancelled order. I called customer service and they explained that the cancellation was not processed correctly and they transferred me again to major appliances where the cancellation/credit was processed again. After a few weeks, the credit has still not been issued. I reached out to them several times inquiring about the credit. All attempts were ignored except for my last response where I explained I would file a complain with the Consumer Finance ( CFPB ). They finally responded with a letter on X/XX/17 that I was not responsible for the payment or interest. No information was included about removing the charge from the credit card. I just received a new statement and the balance still shows this charge. I would like an immediate resolution so this does not affect my credit score.
Product: Credit card or prepaid card

I applied for the SouthWest Airlines Visa Platinum Credit Card on XX/XX/2022. I received a denial of credit letter from Chase stating why I was denied. As stated in the letter dated XX/XX/2022, their decision was based on information they received from a credit bureau using a credit score.

It is my comprehension of Regulation Z and Title 15 USC Sub-chapter 41 I thru VI, more specifically, Title 15 USC 1691a that any application that is denied for any reason is discrimination. I filled out the application in good faith as an applicant and an extender of credit.

I also comprehend this extension of credit in the form of a card would be used primarily for consumer credit transactions for personal, family, and household purposes.

It is also expressed in 15 U.S. Code 1691a ( c ) the term " Bureau '' is in reference to the CFPB. If that is the case, which credit bureau is the letter referencing?

Accordingly, 12 CFR 1026.2 ( 15 ) ( i ) states any card is a credit card. During the process of filling out the application, I provided my Social Security number from my Social Security Card. If I provided this number, why was I denied? When I provide other card numbers, debt gets paid. Using this logic, I must have prepaid for this credit card when I provided my Social Security number. So, why was I denied?

I believe this information to be true and factual because Congress says so.
Product: Student loan

In XXXX I attended XXXX University in XXXX PA for about 1 month. I had applied for my GI bill to pay for my attendance. I dropped out after about 1 month and returned to the military. I have my XXXX paperwork showing I went back into the service. On my credit report AES is reporting that I owe over {$5000.00} and XXXX XXXX XXXX XXXX XXXX is also reporting a very similar amount. I did not even finish a semester. I have tried contacting the creditors directly but I keep getting the run around. They have been taking my tax returns and not reporting them and considering I only attended school for, at most, XXXX months, I do not see why the full amount would be owed by me to the lender and the government. I really need someone to help me sort all of this out because, as stated, I am getting the run around and not able to get any documentation from any institution regarding anything.
Product: Credit reporting or other personal consumer reports

New evidence!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX RE : Supplemental Evidence of Identity Theft Account XXXX Dear XXXX XXXX XXXX Representatives, I am writing to provide additional evidence supporting my claim that account XXXX was fraudulently opened in my name as a result of identity theft. I received a letter from XXXX XXXX, which confirmed after their investigation that I am a victim of identity theft. XXXX XXXX has verified that the account in question was opened fraudulently and has released me from any responsibility for the account. 

This conclusion aligns with the findings of the XXXX Police Department ( Incident Number : XXXX ), the Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ), and the actions of both XXXX and XXXX, which have already removed the fraudulent account from my credit reports. Despite these credible and consistent findings, XXXX XXXX continues to dispute my claim and has failed to provide any verifiable evidence to substantiate the validity of this account. 

Your reliance on irrelevant factors, such as my email address and phone number being used in the application process, is both insufficient and misleading. Possession of stolen credentials does not prove that I authorized the account or participated in its creation. By contrast, I have provided extensive evidence, including : 1. XXXX XXXX investigation findings, confirming identity theft. 


2. XXXX Police Department Report, documenting the fraudulent account. 


3. FTC Identity Theft Report, listing the account as fraudulent. 


4. Credit Bureau Actions , with XXXX and XXXX XXXX the account due to verified fraud. 



Demands and Legal Implications You are now the only entity continuing to report this fraudulent account, in clear violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 6 ) ( B ) : Prohibits furnishing information to Credit Reporting Agencies ( CRAs ) once notified of identity theft with supporting documentation. 

15 U.S. Code 1681s-2 ( b ) : Requires furnishers to conduct
Product: Mortgage

The email below is from Rocket Mortgage. I called into get help with my monthly payments due to my wife not working because of health. The first statement is false I was paying XXXX monthly scrambled to pay the original modification of {$590.00} and am now being told my payments are {$840.00} they denied my modification after accepting payment because I didn't answer their call to accept the modification ( Scam Likely. ) Was never told anything about making payments in full or that I didn't qualify until XXXX  days into the process. I have attempted to correct this with them pointed out they created this issue by misleading information and multiple departments and personnel asking for more information and then approving but not contacting me with any further information or details. There solution is for me to pay in full with penalties and interest and delist my home for sale. 

I had the opportunity to review the account further and we can not enter loan back into previous plan due to the payment amount received, even with the error and us approving the mortgage for an option, the payments are required to be paid in full each month and you send us {$580.00} instead of {$590.00}. 

There is no active plans to enter you into as the home is listed for sale. Any applications will be denied if the home is on the market. I would highly recommend either bringing the loan current or delisting the property and showing us proof and reapplying for another workout option or continue to try and sell the home. 

Internal coaching is being provided for how the interaction and application got filled out to begin with. I apologize for how it seemed like the home could be for sale and you be able to enter into a plan, but we dont offer that to any of your clients. Its either or, if selling, applications will always be denied. If not selling and not on the market, we can
Product: Money transfer, virtual currency, or money service

Had 7 transactions totaling {$300.00} from Zelle that I did not make or authorize. Contacted XXXX XXXX to file fraud claims on the transactions. XXXX is denying the fraud claims stating they have no authority over Zelle fraud claims, even though I have to go through my XXXX app to use Zelle! Zelle says there were no log in errors before the money was transferred so the transactions were valid. 

I have just lost {$300.00} and my bank nor Zelle will do anything about it!!!
Product: Checking or savings account

My XXXX XXXX XXXX mother had accounts with wells fargo for years. When she past away in 2018, the bank listed accounts she had no information on. Her accounts were suddenly overdrawn. No one ever explained to us why they took the money
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under XXXX XXXX XXXX XXXX that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for
Product: Credit reporting or other personal consumer reports

Equifax is reporting incorrect dates of negative items being opened. From XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. There has to be maximum possible accuracy on my credit report under law 15 USC 1681 e ( b ) The dates opened are incorrect and I want these items removed immediately under the law I stated., Thank you, XXXX XXXX
Product: Checking or savings account

I noticed today XX/XX/2018 that a checking account in my name had a very low balance. I use this account for savings for my upcoming 25th anniversary. When I went to activity I saw that a total of {$6100.00} had been withdrawn in 3 ACH ( Automated Clearing House ) transactions in the past 2 business days : on XX/XX/XXXX ( Friday ), XX/XX/XXXXXXXX ( Monday ) and XX/XX/XXXX ( today ). I reported it to the Bank immediately, but they told me that because there were other frauduent transactions on my account, specifically a XX/XX/2018 ACH debit for {$2.00}. Because I had not reported that transaction until now, the Bank is not liable to pursue any fraudulent transactions with this account. I told them I was not likely to notice a {$2.00} transaction but they told me that was the law. I've filed the fraud report with the Bank, but they informed me I should not expect to recover anything. In total I estimate the amount lost to fraud was {$8600.00} since XX/XX/XXXX but almost all of it since XX/XX/XXXX ( 60 days ago ). 

In the submitted documents, 10 transactions are labelled fraudulent. Of these 7 are XXXX ( shown in the documents labelled as " Markup ''. I also attach the XXXX 2018 statement which shows none of the fraudulent transactions and shows the two legitimate transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regard to the incorrect items on my credit report and it's been well over 30 days, and I haven't received any investigation results.