23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent : XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX   XXXX {$170.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with EXPERIAN, XXXX AND XXXX and advised this account is not mines, this unknown account is with a collections agency. This account has yet to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX. EXPERIAN, XXXX  AND XXXX. This company has placed a debt that I have not been made aware of and have no knowledge of on my credit report. This debt in the amount of {$700.00} was placed on XX/XX/XXXX and this collections that does not belong to me and has ruined my credit and I requested for this to be removed from my credit reports. THIS IS NOT MY ACCOUNT!
Product: Debt collection

Debt is not mine and I have no idea why they are reporting on my credit report.
Product: Credit card or prepaid card

Dear CFPB, I have been in good standing with my AAdvatage Citi Bank Master Card for years. My bills are always paid in a timely manner and I have revolving credit available. My card that expires XX/XX/2022 but has stoped working out of the blue. I called the Citi card customer service and they said first that called to request a new card, which is false. Then they changed their answer saying the bank decided to give me a different card number but did not explain why that is the case. They said twice they mailed me a new card. No card has been received in the mail. The United State Postal Service scans all my envelopes and emails me the scan before they reach my mailbox. A scan was never received of mail form Citi bank since my card has stopped working. Now Citi Bank card customer service is telling me my line of credit has been closed. I did not authorize this account closure. The reason they gave for closing the account is that the credit card was sent bank to them by the post office.
Product: Mortgage

The following complaint is about a requested loan for home improvements and how I was not allowed to close on the loan due to some required repairs. 

I have been a customer of Ditech for 11 years as they were my mortgage lender. My home was to be paid off this month and since my financial relationship with Ditech was in good standing, I decided to extend the relationship by requesting and applying for {$70000.00} for a home improvement loan on XX/XX/2019 with XXXX XXXX. The processing was going smoothly. A loan officer XXXX XXXX gave me the good news that my loan was conditionally approved on XX/XX/2019. An appraisal was scheduled for XX/XX/2019. The appraisal was completed by XXXX XXXX. After the appraisal was completed XXXX and I discussed the appraisal which noted several repairs such as, peeling and wood damage around the windows, the exterior doors, main bathroom ceiling, living room ceiling, kitchen ceiling, overhang over the front door and the area immediately to the left and the crawl space. XXXX stated that the repairs are required to be completed before Ditech could close on the loan. Prior to the appraisal I was under the impression that the appraisal was just to appraise the value of my home. There was absolutely no mention that the loan was contingent on the required repairs noted by XXXX XXXX. I replied that I was confused because I applied for a loan where the money I was borrowing would be used for home improvements like the repairs noted in the appraisal. She asked me to have a talk with XXXX XXXX the originator of the loan. On a phone call, XXXX advised me to borrow the money for the necessary repairs from someone or somewhere else in order to close on the loan. In his final email XXXX alerted me that they could not close on the loan until the repairs were made per the appraiser. 

My mortgage will be paid off by XXXX XXXX. I have since heard from XXXX about moving forward with the required repairs and the loan process. I told her that I was withdrawing my loan application and would look for another lender for my Cash Out Refinance loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681et seq, isU.S. Federal Governmentlegislation enacted to promote the accuracy, fairness, andprivacyofconsumer informationcontained in the files ofconsumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in theircredit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, includingconsumer creditinformation. [ 1 ] Together with theFair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. 

All three credit Bureau are not reporting credit file correctly I have challenged and disputed information and they fail to correct anything on my credit Bureau 1. Equifax 2. XXXX 3. XXXX All three credit Bureaus refuse to obey by federal law they are in direct violation of federal law, statue of limitations they refuse obey by the fair credit act it's a federal law.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of certain accounts on my credit report. The accounts listed below contain inaccurate information, and I am requesting that they be thoroughly investigated and corrected. As a consumer protected under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I request that these items be removed from my credit report immediately if found to be incorrect. 
The accounts in question are : XXXX, Opened XX/XX/2024, Balance : {$260.00} These accounts are being reported incorrectly, and I dispute the accuracy of the information being provided. Please investigate these accounts and provide verification of their accuracy. If the accounts can not be verified, they must be removed from my credit report as required by law. 
As per my rights under the FCRA, I request that you : Conduct a thorough investigation into these accounts. 
Remove any incorrect information regarding these accounts from my credit report. 
Provide me with a written statement of the outcome of your investigation. 
Send me a copy of my updated credit report once the disputed items have been addressed. 
Additionally, I would like to remind Experian of its obligations under XXXX U.S.C. XXXX, which establishes civil liability for negligent noncompliance with the requirements of the FCRA. Failure to properly investigate and address inaccuracies may result in legal action and liability for damages, as well as the reimbursement of attorney fees and costs. I urge you to handle this matter with the utmost care and attention to ensure compliance with federal law.
Product: Credit reporting or other personal consumer reports

I requested proof of validation of debt from XXXX XXXX ; XXXX. They were unable to prove validation of debt. They have also stated that they will cease collection and ask the reporting agencies to remove the trade lines. I contacted the credit bureaus, and they refused to remove the trades lines. 
The credit reporting agencies that refused to remove the tray lines are XXXX and Experian. 
Although I received a letter from the credit ( XXXX XXXX ) and provided this to both bureaus. They refuse to remove the trade lines off my report.
Product: Credit reporting or other personal consumer reports

Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  accounts on my experian credit XXXX XXXX Ive submitted valid verification of fraudulent accounts and these companies have not provided proof of these accounts nor validation of these fraudulent accounts. Ive submitted serval police reports and fraud report
Product: Credit card or prepaid card

Application # XXXX On or about XX/XX/XXXX I applied for a DISCOVER it Credit Card with DISCOVER. I received a denial letter on XX/XX/XXXX stating reasons I was denied ( Denial Letter Attached ). I then mailed DISCOVER an adverse action letter addressing the denial ( Letter Attached ), in which I received no response from the financial institution. I do believe I was discriminated against, as I know my credit score has nothing to do with an approval. Even if DISCOVER denies me, they can still deposit the application into the Federal Reserve Bank for notes. I would like DISCOVER to understand that I am aware of how Financial Institutions do business in commerce on the private side. I understand that my signature creates the security collateral in ANY consumer credit transaction. I am aware that the term credit means the right granted by I, the original creditor, to a debtor DISCOVER to defer payment of the debt or DISCOVER to incur debt or a loan from the US Treasury and defer its payment. This makes DISCOVER ( 12 U.S.C. 1431 } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to me, at the time of the transaction. I, the consumer, came to extend credit and not receive a loan from the U.S. Treasury. DISCOVER 's lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by DISCOVER. I am aware that although I was told I was denied, the application was still deposited into the Federal Reserve Bank for notes. The Federal Reserve Act Section 16 parts 1 and 2 states this fact. I am also aware, in accordance with the term creditor in subsection 1602 ( g ), pursuant to 15 U.S. Code 1602 ( i ) a consumer in reference to a credit transaction is the party whose credit is extended from is a natural person and the subject of the consumer credit transaction is primarily for personal, family, or household purposes. Furthermore, I am aware that my social security card is a credit card pursuant to 15 U.S.C 1602 ( l ) as any card, plate, coupon book or other credit device. Existing for the purpose of obtaining money, property, labor, or services on credit. I am also aware that the unlawful use of a credit card such as ( Social Security Card ) under 15 U.S.C. 1602 ( l ) by a organization or person other than the card holder who does not have actual, implied, or apparent authority for such use and from which the cardholder ( me ) receives no benefit equals unauthorized use pursuant to 15 U.S.C 1602 ( p ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Representative, The Credit Karma company announced a credit card on its webpage, indicating that requesting it through his webpage would not affect the applicant 's credit score. I applied for the credit card on that webpage and the credit bureaus lowered my score because of this inquiry. It turns out then that what Credit Karma alleges on its website is a fraudulent advertisement that should be punished by regulatory agencies. I am planning to purchase a property and this change in my credit score could negatively affect my ability to obtain the loan necessary to obtain the property.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees was assessed despite having sufficient funds at the time the transaction were authorized. However, due to delayed posting of charges and credit I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balance despite initially adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

I started the loan process with Guaranteed Rate Affinity and was asked to pre-pay an appraisal fee of {$870.00} during the loan application process. 

After the appraisal was completed the fee noted on the appraisal was only {$350.00} ( page 4 of the attached appraisal ). 

The company 's own website states it should only be a " few hundred dollars '' and that there are no additional fees ( see attachments ). 

I contacted the loan officer who stated there were mistakes in the charges, and it would be refunded. Now the company and loan officer refuse to respond or refund the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX, REPORTING TO XXXX AND EXPERIAN XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ACCOUNT # 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported on my inquiry XX/XX/17 on my XXXX  I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken.

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX   again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken.

XXXX XXXX this was reported on my inquiry twice same day XX/XX/17on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called XXXX XXXX  and XXXX and XXXX to have them removed no action taken.
Product: Debt collection

I recently placed a complaint in regaards to Portfolio Recovery Associates, who filed a citation against me, in civil court. XXXX XXXX, with CFPB. They claimed to have sent a letter on specific dates, initiating the purchase of my debt from XXXX XXXX XXXX XXXX XXXX. However, this was false information. As I stated in my feedback, I receive XXXX Mail from my postal service. Which means, I receive images of my mail, before they arrive in my mailbox. I checked dates given for letters and received absolutely nothing from this company. That is, until today, XX/XX/2023. 
However, I contacted XXXX XXXX  in regards to my XXXX account. 

After searching endlessy, I found emails from XXXX XXXX, in my junk mail ( emails ). 
They offered me a settlement and payment plan, that would remove all late fees and allow me to pay my balance off with them. 
I called, XXXX and spoke with XXXX. She informed me, that a dispute was sent to Portfolio Recovery. She also informed me that, within 60 days, my account should be back with XXXX XXXX  and I should not have to deal with Portfolio Recovery Associates.
Product: Debt collection

I noticed that there was a collection account on my credit that is not mine. I called Knight adjustment on XX/XX/2023 and XX/XX/2023. Knight adjustment told me to dispute with the credit bureau and so I did however the credit angencies are sending it back as a valid debt. They told me there was nothing that they could do for me.
Product: Credit card

There has been over 40 transactions from XXXXXXXX XXXX and a website called XXXX. The later company seems to be from XXXX. Im a U.S. resident so thats why Im surprised to see transactions from all the way across the globe I had attached hospital records and documents. I have been hospitalized since XXXX and had no access to internet or my phone. An unauthorized user had made over 40 transactions Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1400.00} Online Bank : ChimeXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Ed/Aidvantage  reported late payment on XX/XX/2018 for all loans when a forbearance request was submitted and approved. Loan company stated they would correct and remove late payment. They did not do it.
Product: Debt collection

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( 1 am now requesting " THE METHOD OF VERIFICATION '' USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ( NCB MANAGEMENT SERVICES )
Product: Credit card or prepaid card

I have a Credit Card with USAA, opened  XXXX   XXXX ,  XXXX  with a credit limit of {$13000.00}.   My balance is {$12000.00} I have made all my payments timely and violated no policies with USAA.   I have over 30 years credit history NEVER EVER missing a payment on any account i have ever had.   However, USAA lowered my credit limit from {$13000.00} to {$7600.00}, placing my account more than {$4500.00} over the credit limit This action has caused my  credit score  to drop dramatically by more than  XXXX  points This action also forces me to pay well over the average daily balance percentage agreed to in my contract with USAA.   USAA 's action has caused my " credit to Ratio '' to increase above 63 % This was a calculated action by USAA and I believe I will be able to prove USAA took this action for discriminatory purposes.   As a result of USAA 's unlawful actions, my C.L.U.E  XXXX  report score decreased causing all my insurance rates to go higher.   As of  XXXX   XXXX ,  XXXX   USAA  has NOT provided any notice to inform me of this action or the reasons for reducing my credit limit. No email, no phone call, no message through  USAA  's message portal and no letter via USPS.   below is a federal policy which regulates this issue, there are others with respect to average monthly payments and lowering credit limits below the card balance.      15 U.S.C. 1691   ( d ) ( 1  ). If the action taken by the creditor is adverse, which includes the " denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, '' the ECOA and its implementing regulation, known as  Regulation B,  require the creditor to send a written notice to the applicant.   15 U.S.C. 1691 ( d ) ( 6 ) ; 12 C.F.R. 202.9 ( a ) ( 1 ) ( iii ).
Regulation B specifies that the written notice must contain ( 1 ) a statement of the action taken ; ( 2 )  the name and address of the creditor ; ( 3 ) a statement of the anti-discrimination provision codified in 701 ( a ) of the ECOA ; ( 4 ) the name and address of the federal agency that administers compliance concerning the creditor ; and ( 5 ) a statement of specific reasons for the action taken. 12 C.F.R. 202.9 ( a ) ( 2 ). The statement of reasons " must be specific and indicate the principal reason ( s ) for the adverse action. '' 12 C.F.R. 202.9 ( b ) ( 2 ) " Statements that th  e adverse action was based on the creditor 's internal standards or policies or that the applicant... failed to achieve a qualifying score on the creditor 's credit scoring system ARE INSUFFICIENT.
Product: Credit card or prepaid card

My monthly fee for Bofa-issued XXXX was {$76.00} on XX/XX/XXXX. I paid electronically from Bofa checking account to Bofa XXXX account on XX/XX/XXXX ( due date indicated on online statement ). Bofa processed the payment XX/XX/XXXX and charged me {$39.00} late, also negativelaty impacted my credit score. When I went to the bank branch they said they have nothing to do with that. I live in central CA and my closest Bank of America branch is now 5 hours/280miles away after the branch in my town closed 10 years ago and the branch that was 1 hour away closed this year. XXXX this " bank ''.
Product: Credit card or prepaid card

Its has been over month plus I had on my excellent credit was approved for n XXXX from capital one but they wanted copy of my DL for verification witch is my understanding illegal as I had zero issues on my credit report no fraud alert security freeze XXXX. I did anyway sent in via emailing copy of my Indiana DL to unlock this n get my card mailed to me but yet two weeks later XXXX card sent this is unacceptable
Product: Credit card

I am filing a complaint against Goldman Sachs Bank, having a Goldman Sachs -Apple credit card. I fixed a computer from XXXX XXXX XXXX XXXX  Apple store ( XXXX ) on XX/XX/year>. The repair had a 90-day warranty, but the computer showed the same problem in 90 dayswhen I went to the store ( Proof of this is attached ) in 90 days, the store refused to see my laptop again. I had placed the transaction ( {$480.00} ) disputes three times at Goldman Sachs ( current dispute # XXXX ) against Apple. But Goldman Sachs favored XXXX XXXX and declined my disputes twice. So, unlike other credit card companies, our transactions with Apple are not protected.

Goldman Sach asked me to prove Apple denied re-fixing your computer. I told them that the same day, I also filed a complaint to the XXXX against Apple ( Proof is attached ), and Apple communicated with me. The store didn't give me any evidence of denial, but I visited the store ( proof is attached ), and that's more than enough.
Product: Mortgage

I initially applied for a mortgage on XX/XX/2018. I provided all of the needed paperwork ( pay stubs, checking account statements, etc. ) only to be asked for the very same paperwork every two weeks. The mortgage company then asked for additional paperwork ( including the same as previously asked for ) such as where I was getting the down payment. Then she said ( XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX ) that she forgot what type of loan I was applying for : conventional or FHA. She said the information was required due to the recent housing loan problems. I think that she and the real estate agent I was originally working with colluded to delay the closing on this house again and again ( they are best friends ). This is a vindictive and petty act of vengeance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters requesting my credit report and have yet to get a response. My report shows as a nonexistent account which I need corrected to move forward with verifying my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i submitted a dispute to the credit bureaus. The investigations were completed and the Credit Bureaus stated that the accounts were properly investigated but how is that possible if the last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is ground for removal. They also violated my rights under 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

XXXX XXXX account # XXXX. XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX These accounts need be deleted immediately. 

Also update my Personal info. I only have one name ; XXXX XXXX XXXX I only have one address which is my current address. 

I also ordered a copy of my XXXX credit report ( XXXX, Transunion, XXXX ) simply to make sure the accounts were properly investigated. I have came across over 21 violations on my credit report. EVERY violation is circled on the attachments included in this complaint.