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

On XXXX XXXX, 2023 i applied for an American Express Business Gold Card, throughout this process my social security number and business EIN was requested. The reference number for the application is XXXX I was subsequently denied an extension of credit due to certain factors outside of me having a 705 credit score. This is in violation of consumer law 15 US code 1602, within this code it essentially states that i am the original creditor, and any loan or credit card product that i apply for with any financial institution is an extension of my own credit from my social security account. I Spoke with a representative at American Express and stated this consumer law 15 U.S code 1602 as well.

15 U.S code 1602 : ( 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 in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. 

( 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. 
- my social security card was used in this application
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX {$770.00} Date Opened XX/XX/XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX  XXXX XXXX  date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX  XXXX  Date opened XX/XX/XXXX Balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello Sir/Madam I would like bring up an incident that happened at Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX lockers were burglarised inside the bank strong room. When I entered along with banking personnel, the lockers were in wrong position and XXXX XXXX also acknowledged and opened and found XXXX lockers were open, My locker numer XXXX is emptied except documents. A XXXX complaint XXXX is registered. I have lost valuables worth several XXXX dollars specially valuable items from my marriage, kids ornaments and wife jewelry. XXXX is reported in local media as well https : XXXX Bank XXXX XXXX XXXX tried XXXX divert the case by giving false reasons such as construction. 

Bank locker agreement is responsible for XXXX XXXX In this case bank has been completely negligent and have false practices and bad banking people looting the customers. Also they specially targeted XXXX and a classic case of XXXX profiling. 

Bank now says we should contact local PD and bank is not going to discuss on this subject. 

We would need your help to get bank to the task and seek answers to how and when they can contact us to pay for it. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Good Afternoon, We XXXX and XXXX XXXX have tried unsuccessfully to come to a resolution in order not to lose our home. We have been in close communication with SPS explaining why our mortgage fell behind but we are still receiving letters indicating there are no available options to assist us. XXXX XXXX has been gravely ill over the past few years and I have attached his medical records showing the dates of all of his medical conditions. ( XXXX XXXX XXXX/XXXX  XXXX XXXX ) I have also attached a letter of hardship to this complaint which explains more in detail. We were placed on a forbearance agreement in which I XXXX XXXX XXXX worked very hard to make all of the required payments up until XX/XX/2019 which is when my mother passed and I had to utilize all available funds including my mortgage payment in XXXX to attend my Mother 's funeral. I have also attached a copy of my Mother 's Obituary that includes the date of her passing.
Product: Debt collection

Upon reviewing my credit files, I, the consumer noticed that Medical Data Systems furnished an alleged debt to consumer reporting agencies. I never provided written consent for Medical Data Systems to communicate with me which is a violation to my consumer 's right to privacy pursuant to Title 15 U.S.C. 1681. Medical Data Systems is also in violation 15 U.S.C. 1681 ( a ) 3 Restriction on Sharing Of Medical Information. Medical Data Systems willfully violated 15 U.S.C 1692b Acquisition of Location Information, 1692c ( A ) Communication in connection with debt collection, 1692d Harassment or abuse, 1692e False or misleading representations, 1692f Unfair practices, 1692g ( A ) Validation of debts, 1692j Furnishing certain deceptive forms.
Product: Student loan

Do not release my personal information anywhere this is my person information. Do not release my social security number to anyone ever. XXXXXXXX XXXX is not allowed to release my information. He is not allowed to at my information. I do not care what Trump says. I also can't not afford my idr now if it is raised my payments will not be paid ever. I can not do it. I am not rich that is why I have an IDR. Trump is not king and congress better not ruin the entire education system.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, I can not access my credit file with TransUnion. They have purposely restricted my access to my credit file, credit freeze, and credit monitoring services. TransUnion report they would reset my account, but nothing has changed. I am still getting a message stating " they can't access my account '' and " opps it looks like you can't access your credit file. '' This is unacceptable and the Fair Credit Report Act ( FCRA ), Public Law No. XXXX, allows me to have access to my file. This is a clear violation of my rights. In addition, they have not updated my pay-off and settlements from XXXX XXXX and XXXX XXXX XXXX I have received documents from both credit card companies reflecting that have submitted this information to TransUnion, but they have refused to update my account and provide me with an accurate credit report.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint is being filed due to Equifax not Complying with XXXX and FCRA Guidelines by furnishing Unverified/Inaccurate information on my credit report. As per XXXX Metro 2 guidelines and FCRA 15 U.S.C. Sec 1681c, this information must be corrected or removed if unverifiable. Information for this account has not been verified as it is inaccurate/Inconsistent and possibly from someone ELSE 's account which is why this account must be removed please.I have attached a copy of my dispute containing the details of errors & violations. I Have also submitted a complaint to the XXXX XXXX XXXX  in regards to the violation of my rights by XXXX as well as damages caused by these " errors ''. The account in violation is XXXX Account # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The interest rate is way above what my state allows. Its 493 % for a {$1700.00} loan. It was misrepresented to me on how much I would pay for this loan.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017 I did a wire transfer of {$10000.00} from my XXXX XXXX XXXX XXXX Account to XXXX XXXX company 's Account in Bank of America. While processing the request online one digit in account number was missed. Bank Of America rejected the wire due to invalid account number and charged {$45.00} and sent back {$9900.00} to my bank. I do n't understand how can XXXX charge me, I did n't have any contract with them. Just because they had access to my funds does n't mean they can keep any amount. I called my bank and they were unable to help as they did n't charge me, so they could n't reverse it. There is no way for me to contact XXXX as I do n't have an account with them and it 's hard to figure out on self automated customer care phone number, with no real person to talk to. This {$45.00} charge is unfair and I would like to have a full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and  XXXX  are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted   XXXX    XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account status.
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. I kindly request that you investigate and, if necessary, remove the following items from my credit report. 
-- -- -XXXX -- -- - XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted their customer service 3 times previous about removing ALL the unauthorized inquiries and they would not help and take care of the negative inquiries reporting to my credit report.
Product: Debt collection

I recently moved back to the XXXX XXXX on XX/XX/XXXX, after living in XXXX for over XXXX XXXX. I contacted a realtor to help me search for my future home, so she suggested I install XXXX XXXX which I did, and I found out about 1 Delinquency dated back in XXXX. It brought me a red flag that something was wrong because I was still in XXXX that year! I contacted the 3 Credit Bureau to start the Dispute against that fraudulent activity immediately, and we could process it without any delay. The company that opened that account ( without my authorization ) is XXXX XXXX XXXX which already had transferred that account to Midland Credit Management for Collection. However, thanks to the early approach to do the Dispute with the 3 XXXX, XXXX, and XXXX, I got a letter from Midland Credit Management on XX/XX/XXXX, letting me know that they have reviewed their records and gave the following updates : We have closed 'your account ( which is not mine ) and ceased collections. You have no further obligation regarding this account. 
I honestly thought that the issue was erased from my credit report because XXXX, my personal Bank since XXXX, was able to give me a XXXX XXXX Credit Card ; however, my realtor emailed me a screenshot about some delinquency in my report and was unable to proceed with my mortgage correctly because of that issue showing still in my report? I decided to contact XXXX today to proceed with a Dispute to XXXX XXXX XXXX, and the representative from XXXX suggested I report this issue to this official site. 
Please I need your assistance regarding this terrifying issue because I can not imagine that this activity could damage my dream of a smooth transition back to my home XXXX and my dream to purchase my future. I do not want to think that this could happen again to me or no one. 
Yours Sincerely, XXXX XXXX XXXX
Product: Mortgage

Since XXXX I have been dealing with citimortgage on modifying my mortgage through a program named naca. Since the time this has the company that citi was originally dealt with has lost my paperwork, changed representatives, and made me start the process over multiple times and asking for the same paperwork over and over that already existed within their system. I have suffered illness in the process and still was able to show income, promoted to a new job and salary and still declined. I was advised not to send a payment to citi at the time this all begun as I was told that they would decline the payment until the modification has been approved. Here I am now 6 years later, and citi wants a reinstatement payment of {$80000.00} or my house goes up for sale XXXX XXXX, XXXX. I have been given the run around from citi in more than one way and have been through the steps providing them with everything they have asked. I have emails from XX/XX/XXXX with my contact with all representatives, and the citi rep say she sees in her system that I have been trying to have a modification done since XX/XX/XXXX. With every decline my amount down goes up and the ability to start paying declined. Now they want {$80000.00}. I am a working father, married with XX/XX/XXXX kids and they are forcing me out of my home. I have saved money through all of my hardships and even while having my check garnished and tax returns taken I still have money to cover our mortgage payments for a entire year without touching my biweekly check. Somewhere something was n't done to help us, but through continuous restarting, re-requesting the same paperwork, and changing representatives we have gotten the raw end of this deal and will not become another foreclosure statistic.
Product: Debt collection

I recently received a collection noltice from Immediate Credit Recovery Incorporated saying that I owe {$1200.00} for a previous student loan debt. I'm currently paying my student loans every month and I have never heard of this bill. I disputed the claim with the collection agency asking them to validate this information with a signed contract from me. They did not send me a signed contract. They sent me a bill claiming I owe. This bill doesn't prove anything. I still don't see where I owe this agency anything. They are not following the law by sending me a signed contract with my name on it proving that this debt is mine.
Product: Credit card or prepaid card

Discover Application XXXX dated XX/XX/22 for a Discover card application I never applied for, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I just get a copy of my credit report today and can not believe what I see. Someone stole my identity and open this fraud credit card account without my knowledge. 
I never have this credit card and fraud due to a balance of {$6700.00} that I am not responsible form something I don't have no ideas how this account was opened. 
I was just on the phone with the fraud team from XXXX XXXX  credit card and he told me this account is no longer on their system. The fraud agent from XXXX XXXX  told me I have the right to have this fraud account delete from my credit report since they already flag it as fraud. 
I would like to exercise my right to have this fraud credit card delete from my credit report.
Product: Student loan

Per " XXXX FAQs About Income-Driven Repayment Plans '' .. '' other acceptable income information can include pay stubs or a letter from your employer. After you submit your application, it will be processed over the next few weeks. '' [ https : //studentaid.gov/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. ] This is not the case with Nelnet. Nelnet refuses to accept employment verification letters for self employed former students and to process the change from SAVE plan to Income Base Repayment Plan application. 

I also submitted my IBR plan/recertification application through StudentAid.gov/idr. [ " What if my income or family size changes but Im already enrolled in an IDR planSubmit a new application for an IDR plan at StudentAid.gov/idr. When asked to select the reason for submitting the application, state that you are submitting documentation because you want your servicer to recalculate your payment. Be sure to include all required documentation to avoid delays ( see below ). 
Submit additional documentation to your servicer directly online though their website '' [ https : //studentaid.gov/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I did all of the above, still Nelnet is refusing to recalculate my payment which IS EXTREMELY HIGH $ XXXX. IN ADDITION, NELNET IS REFUSING TO REGISTER ONLY ONE DIRECT CONSOLIDATED LOAN FOR ME, and is dividing MY CONSOLIDATED DIRECT LOAN ON TWO -XXXX  CONSOLIDATED DIRECT AND XXXX CONSOLIDATED DIRECT. 
THIS IS A FRAID.
Product: Mortgage

HSBC to provide CFPB and me with copies of papers where I cancelled the said ACH authorization. I want this paper only, and I do not want HSBC to submit to CFPB a lot of irrelevant documents ( which it always does ) to confuse the staff and obfuscate the case. 

If there is no such paper, HSBC must submit a letter of apology, compensate me for the pain and suffering it has inflicted on me for almost a year, and for ruining my credit. 

Separately, I request that CFPB review my complaints, confirm that HSBC bluntly violates the letter and the spirit of the Consent Decree it signed with the government ( below ), and ( AA-EC-11-14 ) where HSBC was ordered to and HSBC accepted to : 1- An Action Plan, for " effective mortgage servicing ... compliance, quality control, audit, training, staffing, and related functions .... '' 2- '' Develop and implement an adequate infrastructure to support existing and/or future Loss Mitigation ... and ensure compliance with the Order '' 3- '' Develop organizational structure, managerial resources, and staffing to support existing and/or future Loss Mitigation ... '' 4- '' Agree to deadlines to review loan modification documentation, make loan modification decisions, and provide responses to borrowers and report HSBC to the proper regulatory authority for further investigation.
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I received an email from bank of america ( BOA ) stating that my " ATM/debit card may have been part of a compromise at an undisclosed merchant. '' I promptly checked my checking account later that morning and noticed three, consecutive, unauthorized ATM withdrawals of {$300.00}, totaling to {$900.00} of unauthorized transactions that occurred on XX/XX/XXXX ( of the present year ). I promptly contacted BOA later that morning to dispute the charges as a fraudulent transaction. On XX/XX/XXXX, BOA gave my account a temporary credit of {$900.00}, along with sending a new debit/ATM card. On XX/XX/XXXX, BOA stated that they were reversing the credit, stating that " The charge was authorized by you or made by someone who has permission to use the card or account. '' The " research '' their team used was " the information you provided with your claim, your account history, the monthly account statements we sent you. '' This investigation was not done wholeheartedly nor in good faith, and I find astounding that a bank would notify someone of a potential compromise then hold them responsible for their own ( BOA ) failings. For reference, this is not the first time that my BOA debit card has been compromised.