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

Ongoing problem with Target Credit Card and and TD Bank USA. I've had this payment set up on automatic payments for the last couple of years. The first problem occurred when they changed the minimum amount due and the payment fell slightly below the minimum. This time, the automatic payment failed to execute at XXXX XXXX 's BillPay for whatever reason. 

This credit account has been an ongoing problem due to a scam perpetrated by the creditor to collect additional fees by not properly applying credits to the account and changing the minimum due to be a moving target. Here is what they fraudulently charged me : XX/XX/XXXX {$38.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$28.00}
Product: Checking or savings account

Capital One Bank as my sole banking institution issues my employer provided direct deposit each Thursday on schedule. That deposit was never received due to a technical error ; funds were stated to be available on the Friday as of the stated check date but were never received. We are approaching a 3 day holiday weekend and my wages will not be disbursed until hopefully the following week. No ETA on when error will be rectified by Capital One.
Product: Checking or savings account

They made a mistake on my account, even stating that they did, but never corrected the mistake.they now refuse to answer my questions
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

We hope this email finds you well. We applied for the Stated Income Business Loan, Stated Income Business Line of Credit and Stated Income Business Credit Card that Navy Federal offers as far as no doc loans for start up businesses. We received an adverse action denial and we would like the governing factors that were involved in making this decision. Our business is properly structured, no debts, XXXX credit is cleared and debt to income ratio low and our business has an XXXX XXXX XXXX making my business a low risk loan so we are bewildered as to what the actual factors were in our loan denial. We asked for a {$25000.00} term loan, {$5000.00} credit line and a business credit card as instructed to do so by your staff after we discussed our credit. When we initially obtained our Navy Federal accounts we were promised by staff that WE WOULD NEVER GET A LOAN, CREDIT CARDS OR ANY SERVICES WE MAY APPLY FOR, nor are we allowed access to underwriters because quote, " there are none '', or " they don't speak to customers '', " the business agent decides on the loan there are no underwriters '' but Navy Federal and it's staff have GUARANTEED THEY will deliberately run hard inquiries on our credit intentionally to destroy our credit as we were asked how did we apply and " I thought we ran this already '' given and even though we meet the minimum criteria. When we ask questions we are given emotional and unprofessional feedback and questions left unanswered and left frustrated when we are witnessing our non-racial business friends getting funded immediately and without issues or having to meet any requirements with less credit and not having to meet any requirements at all. The adverse actions violates Title 15 subsection 1611 False and Misleading denial of my credit- the entire consumer transaction is predicated on your unlimited credit, 12 U.S.C.1431 denial of securities and denied credit before consideration and then encouraged to apply to only be denied again more false misrepresentation, 15 U.S.C. 1691-1691f we can not be discriminated against or credit used against us, 12 U.S.C. 1451 ( d ) and 42 U.S.C.12203 ( a ) ( b ) ( c ). It is against the law to use our credit against us, Retaliate against us, deny us our securities, discriminate against us, or interfere with commerce in which you have and a labyrinth of SEC Laws, EOCA and California Regulations governing Credit Unions. IT IS ILLEGAL TO TELL ME THAT " I KNOW TOO MUCH, I HAVE NEVER HEARD ANYBODY THAT KNOWS AS MUCH AS YOU DO " NAVY FEDERAL STAFF AND THEN RETALIATE AND DENY MY CREDIT BEFORE CONSIDERATION. My intentions for Navy Federal, as I have always established, is to maintain a friendly and professional business relationship but we are unable to do so due to unprofessionalism, retaliation, misleading and misrepresentation, intentional misinformation, discrimination and lending discrimination.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$820.00} XXXX  XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The account bellow have violate my rights.

15 U.S.C 1681 section XXXX. States I have the right to privacy 15 U.S.C 1681 section XXXX A section XXXX : it also state consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168C. ( A ) ( XXXX ) 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 conviction of crimes which antedates the report by more than XXXX years 15 U.S.C 1681s-2 ( A ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the XXXX knows or has reasonable cause to believe that the information is inaccurate Delete the account bellow : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

See attached document Credit agency failed to respond or resolve issue.
Product: Mortgage

I have been working with a mortgage company while searching for a house. Prior to working with them I expressed the need for down payment assistance. I was pre approved with down payment assistance and began home searching. I submitted an offer for a house on XX/XX/XXXXXXXX The offer was accepted XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my loan officer called and said my current mortgage program would not work with the seller. She offered me a different mortgage program with a grant instead of down payment assistance. I signed all of the paperwork for the new program XXXX. Completed a 3 hour class for first time home buyers required by the program. Found home insurance. Payed the escrow company. Had an inspection for the home XXXX. Agreed with the seller the home would be as is and waited to close. Appraisal for the home was completed on XXXXXXXX XXXX XXXX  I also submitted paperwork to break my current lease and agreed to pay {$5700.00} to move out. On XX/XX/XXXX ( 13 days prior to close and 19 days after signing my mortgage program ) I get an email from my loan officer saying she was recommending a backup mortgage program because the loan program I agreed to on XXXX fell through. This new loan program did not offer down payment assistance, no grant, but instead XXXX of my own money to close. Confused, I asked why it fell through. She said she was unable to lock in the interest rate with the initial program and she had been waiting for the rates to come down, however, the rates have only been rising. She hadnt mentioned anything prior. There was no communication over the course of almost 3 weeks that I was not locked in to an interest rate and we were waiting for the current rates to lower. I was under the assumption we were good to go. I now have 12 days until close. I am unable to afford the current mortgage program she is offering. I no longer qualify for any of the previous ones because the rates have went up too high. I have already broken my lease. And I have no time to try and find a new lender before my closing date. My only option now is to back out and ask my landlord to stay if they havent already found a replacement tenant. I am incredibly upset at the loan officers lack of communication. She should have told me I was never locked in. She should have offered other loan programs weeks ago. Instead she sat silently waiting for the rates to come down. Now rates are too high. Now I am left with only 12 days to figure out what Im going to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested Experian to investigate the XXXX XXXX XXXX account ( account number : XXXX ) that is reporting as a collection on my credit report. According to my recent credit report from Experian, the account was last updated XX/XX/2019. Meaning that Experian had never investigated the account when I requested the investigation. This is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance regarding the removal of an unverifiable XXXX  XXXX bankruptcy from my credit reports. Despite repeated efforts to verify the information, the credit reporting agencies and data furnishers have failed to provide adequate validation. 

The bankruptcy in question was allegedly filed on XX/XX/year>. However, TransUnion, Equifax, Experian, and XXXX have all confirmed that they were unable to verify or validate this item. XXXX, in particular, explicitly stated that they do not have any record of this bankruptcy being reported. Consequently, XXXX removed the entry from their respective databases. 

Under federal and Kentucky state statutes, the continued reporting of unverifiable information violates my consumer rights : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : 1681i ( a ) ( 1 ) ( A ) requires consumer reporting agencies to verify disputed information within 30 days or delete it.

1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum accuracy.

1681c ( a ) ( 1 ) allows bankruptcy information to be reported only if it is accurate and verifiable.

2. Consumer Financial Protection Act ( 12 U.S.C. 5531 ) prohibits unfair, deceptive, or abusive acts related to financial reporting.

3. Kentucky Consumer Protection Act ( KRS 367.110 - 367.300 ) prohibits deceptive and unfair trade practices, including the mishandling of consumer credit information. 

I am requesting that CFPB take immediate action to investigate this matter and ensure that the unverified XXXX  XXXX bankruptcy is permanently deleted from my credit report. If the information can not be verified according to legal standards, it should not be reported. They have refused to delete the item which is imploding my ability to purchase a home and causing me to pay thousands more in interest every year.
Product: Credit reporting or other personal consumer reports

Good Evening, My name is XXXX XXXX and I am filing this complaint because this is the third time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

Final Steps of XXXX XXXX due to XXXX. XXXX ordered to remove former spouse from mortgage. CHASE Assumptions received the XXXX XXXX XXXX, the recorded warranty deeds on the property, and on XX/XX/XXXX and XX/XX/XXXX, I e-faxed the recorded Divorce Decree from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to CHASE Assumptions. XXXX week later, out of the blue, I received a letter from CHASE Assumptions that CHASE cancelled the assumption loan application for incomplete information! Then, they called me and the woman told me XXXX times they never received the divorce decree. 
Branch manager in XXXX where I sent the e-fax, filed an escalation case with CHASE bank, as he too, had proof they indeed received the recorded divorce decree sent out of his branch. CHASE assumptions is now saying they did receive the divorce decree but it is an incomplete decree? They have had the XXXX since XXXX XXXX, it's been over a month, and the only thing Assumptions and CHASE escalations is saying, is that it is not a complete divorce decree. My lawyer has offered to step in and assist them, as it is the recorded divorce decree., they have sat on this for over a month and have given no legitimate explanation for closing my application, other than CHASE makes 2x as much money forcing me to refinance
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my consumer report and noticed fraudulent charges. I am a victim of identity theft and did not make these changes. According to the FCPA pursuant to 15 USC 1692 a ( e ) the term " debt '' means obligation or alleged, Please investigate this matter with a written explanation which I didn't get. According to 15 USC 1681a ( e ) the proper way to investigate a consumer report is to obtain personal interviews with my friends neighbors or associates which I didn't get as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has continuously reported a false bankruptcy XXXX on my credit report that all their agents have acknowledged that the bankruptcy is under a different name. Transunion will not remove the bankruptcy even though its under someone elses name due to they keep saying the company that reported the information has certified to Transunion that information is accurate. I have disputed this in XX/XX/XXXX and XX/XX/XXXX. Transunion will not provide me with the name of the company so that I can dispute directly with them. Under federal law, any innacurrate or incomplete information must be deleted. How can a company verify information under a different name than mine? They cant! I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court it. I want this bankruptcy deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XX/XX/XXXX Dispute of Credit Reporting Inaccuracies - Immediate Removal Request I am writing to dispute inaccuracies in my credit report. Per the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I hereby demand the immediate deletion of the following inaccurate entries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Worst Delinquency/Older Derogatory Events inaccurate Payment History inaccurate Close Date inaccurate I remind you of your responsibilities under 15 U.S. Code 1681s2, which places obligations on furnishers of information to consumer reporting agencies. I expect you to communicate these disputes promptly to the relevant data furnishers for their investigation and correction.

Attached are supporting documents including images of each account as well as a full credit report dated XX/XX/XXXX for your verification. I demand an expedited investigation and expect resolution within 30 days. 

Remove disputed items during the investigation, as mandated by 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Failure to comply with these requests may result in civil liability under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance. 

Thank you in advance for your attention to this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and my personal information has been leaked in several entities. I have several inquiries on my Experian report that I have not or ever authorized. Experian 's response was that inquiries remain on my report for XXXX years and did not remove them. The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX XXXX XXXX is attempting to collect a debt that I do not owe to them. Ive never done business with them, and I have no idea who they are.