23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was force to pay {$84.00} for my and my husbands credit to be pulled, was told we were pre qualified and pre approved, got to the step where it was time to submit all documentation need to be submitted to the mortgage broker. I let him know there was an employment error they input on the application and asked them to fix on their end since I could not. Last I heard from them I was told he would fix it. When I logged back in to ensure the correction was made and to upload the documents, it was asking me to pay for a credit pull again. Ive reached out by calling and emailing several times with no response. This has had consequences on my credit by having that hard inquiry drop my score significantly, and trying to apply for other loans with lenders who are at least responsive. I have emails and my call logs and cant get in touch with anyone. And starting to believe I was scammed. I must also add I received a call everyday from them inquiring my business up until I paid for the credit pull and then everything went silent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Traunsuion, in response to your response, i am not a third party. My name is XXXX XXXX XX/XX/1978, and I am a victim of identity theft. And I give again authorization to CFPB and Transunion
Product: Checking or savings account

I transposed two numbers in my account number when filling out my direct deposit for my tax refund. The deposit was sent to the bank XX/XX/XXXX. I discovered the problem and called the bank XX/XX/XXXX. I was told if the money went into the wrong account, it could not be taken out of that account. I then spoke to a manager who told me there was no account with the numbers I had put on the direct deposit, so the money would go back to the originator. Today, XX/XX/XXXX, I found out the money did not go back, but had been put in another account by Capital One. Capital One now refuses to give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

FICO scores are affected by the following : Lack of recent installment loan information FICO Scores consider recent non-mortgage installment loans ( such as auto or student loans ) information on a persons credit report. Your score was impacted because your credit report shows no recent non-mortgage installment loans or insufficient recent information about your loans. 

As a consumer who pays off debt ; mortgage and Credit Cards early, one is subject to a type of " CREDIT '' discrimination that ultimately weighs on ones FICO score. This impact is always going to be a factor for us, since we are over XXXX, paid our debts and will continue to pay credit cards off early and not in need of another mortgage and if we take out a loan, we pay it off early, sometimes in a matter of days. Two such auto loans taken out with the XXXX ; XXXX XXXX XXXX XXXX XXXX, were loans for less than 30 days yet impact our FICO score as a hard hit. Both of these items will impact our FICO score for the next 10 years or maybe my lifetime. As a senior, paying ones debts should be a plus and not counted as a minus. Experian has dropped our FICO from excellent to good when it should be a perfect score. Being old is not fun and being discriminated against for not having any debt is deplorable. All three credit agencies need to update their system and encourage pay on time, pay off consumer loans and mortgages and show that as a plus instead of a negative.
Product: Credit reporting or other personal consumer reports

I opened my XXXX XXXX  account for the first time in a long time and noticed that my credit score was atypically low. I usually have excellent credit and it is now average. Upon further investigation, I noticed that JP Morgan Chase was listed many times over, across several credit agencies. I have never opened a JP Morgan Chase card in my life. 

I spoke with XXXX ( ID Number : XXXX, Department direct line : XXXX XXXX XXXX ), from their Fraud department. He informed me that someone had opened an XXXX card in my name in XXXX and charged around {$4500.00}. I also noticed that on my credit report, my social security number is listed several times, as well as my email, as " compromised ''. To compound the issue, I just relocated to XXXX so I am limited in what I am able to do from here. I reported it as fraud with the company and now I am submitting reports with any agency I am able to.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Cell Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX Iowa XXXX Dear Sir/Madam, I am writing to file a formal complaint against Santander Bank regarding the abrupt closure of my business checking account and the prolonged delay in refunding my initial deposit. My name is XXXX XXXX, and I am the owner of XXXX XXXX, with an address at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. 

On XX/XX/2023, I opened a Business Checking Account with Santander Bank at the XXXX XXXX, in-person, with an initial deposit of {$5000.00}. I chose Santander Bank because of its proximity to my business and a promotional offer that required maintaining a {$5000.00} balance for 90 days to receive a {$500.00} bonus. 

However, on approximately XX/XX/2023, I received a letter via XXXX Mail notifying me of the abrupt closure of my business account, which had only been open for a short time. As of today, XX/XX/2023, my initial deposit has not been returned to me. 

I attempted to resolve this issue by contacting Santander Bank 's customer service on XX/XX/2023, and received Complaint Reference Number XXXX. Unfortunately, the customer service representative I spoke with was uncooperative and could not provide me with a clear timeline for the return of my funds. I requested an expedited refund of my deposit, but the response I received was vague, leaving me uncertain about when I would receive my funds. Santander Bank has held my funds for over 1.5 months, causing me significant financial stress and frustration.

I would like to emphasize that my request for a business checking account did not involve seeking any credit facility from the bank. The abrupt closure of my account has had a negative impact on my credit report, as it now shows that the account was opened on XX/XX/2023, and closed within a month. This adverse information will create suspicion among potential financial lenders and negatively affect my financial standing for the next five years.

I believe that I and my business have not been treated fairly by Santander Bank, and I request compensation for the loss of the promotional bonus, the time wasted in the account-opening process, and the frustration caused by this ordeal. Furthermore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Santander Bank addresses these issues promptly and appropriately. 

Bank took into consideration attached report from XXXX XXXX XXXX. I do not see any problem in the report. Report is attached. 


I appreciate your prompt attention to this complaint and your efforts to protect the rights and interests of consumers. I look forward to a resolution that rectifies this situation and prevents similar occurrences in the future. 

Thank you for your assistance in this matter. 

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

A late payment shows on my credit report with XXXX XXXX. The error was XXXX   fault and I have a letter from them stating the same. Upon showing this letter to the credit reporting agencies, nothing has been corrected. The correction has held me back from refinancing as well as other damages. 
Another item was also the error of the creditor The statement was mailed to the wrong address. This also caused a late payment which is not accurate.
Product: Credit card

I am the one sending this letter to you in regards to the PayPal Credit Card that was fraudulently opened without my knowledge on XX/XX/year>. I was not aware of the opening of this credit card, as at this point in time I had only ever used my PayPal account to make XXXX-party purchases online, which is how I discovered this dilemma when trying to order online with XXXX for my students breakfast on XX/XX/year>. 

I've filed fraud with Synchrony Bank about XXXX times now. Each time they claim I have been denied but I have yet to receive proof via the mail about my denial and why said denial was given. 

Due to many companies having their data breached including usernames and passwords, I fear PayPal was not immune to this, as someone got access to my email and PayPal account to change the primary email to an email I have no knowledge of, as I have never owned an email with this name ( even though they used my full name to make said email ). In addition, I do not have access to the primary phone number on the account, as it is XXXX of the fraudsters numbers. Though these XXXX pieces of contact information DO NOT belong to me, but rather the fraudster who opened the account under my name, the mailing address on file DOES so I please ask that ANY/ALL information now goes primarily through mail ( as if they are emailing or contacting me via phone it is the fraudster who opened this account under my name, IT IS NOT ME ). This is a case of identity theft. I have filed with all my credit bureaus, Synchrony Bank, PayPal Credit, the police and even government officials. I have yet to get this resolved almost a year later.
Product: Credit reporting or other personal consumer reports

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


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

This is the second time I am filing a complaint. I have a XXXX School Loan. All my loans were consolidated into one singular loan. I have an automatic payment system set up that automatically withdraws money from my personnel account & applies funds to the account. All the credit companies ( Equifax, XXXX, and XXXX ) are doing two erroneous actions as follows : 1 ) They have charged me with a late payment that was paid on time in XXXX 2013 2 ) Instead of applying this incorrect late payment charge to XXXX account they have applied it to all the subaccounts that were already consolidated ( they even have the same account number )!!!! 
I am being prevented from getting any reasonable loans due to their disparaging reporting. At this point, especially as I have previously complained about their reporting methods in regards to this loan, I would state that these organizations are intentionally taking part in fraudulent & defaming actions, that are causing me great stress and anxiety. 
I would like all of these negative reports expunged from my records & I would like proof that they have taken action to have my XXXX XXXX XXXX XXXX XXXX that has been legally consolidated into XXXX single loan years ago, listed as XXXX loan.
Product: Credit card or prepaid card

On XX/XX/2018 I filed a fraud dispute with CHASE in the amount of {$9000.00} paid to XXXX XXXX XXXX on XX/XX/2018. 

I provided evidences showing the contract was part of a cross states fraudulent business conducts with deceptive sales techniques, overpromising, nondeliveries and hidden costs. According to law the contract is fraudulent and voidable. I contact the merchant of my complains, and ask for cancellation and refund, but get no response. I started the dispute with CHASE. 

CHASE denied my dispute petition and insisted that I should continue with the fraudulent based contract and continue with the not-yet-completed services. I was told they denied the dispute because the remaining service is available to use. 

But, in fact, the merchant never made the remaining services available to use and had never replied to any of my correspondence up till this day of XX/XX/2018 since the start of the dispute. 

From my perspective, CHASE credit card service had favored the fraudulent business entity, endorsed the deceptive business conduct, discriminated a small business account like mime.
Product: Debt collection

At around XXXX this XXXX I got called by a " XXXX XXXX. '' He called from ( XXXX ) XXXX. He identified himself as being from " Capital Management Services L.P. '' after I asked. I asked him to take my name and number off their list. I found out through " XXXX '' that they potential fraudsters and scammers. See this URL for example XXXX XXXX XXXX/XXXX.

As a victim of identity theft, I am now cautious when contacted by anyone via the telephone. Apart from student loans which are in deferment and credit cards which are all current. I do not owe anyone any monies whatsoever. So if this was an attempt to collect a debt it was illegitimate.

I did leave a message for them at their website. XXXX XXXX XXXX Asking them not to contact me. I also sent them a fax at XXXX XXXX at ( XXXX ) XXXX. I have confirmation of it.
Product: Student loan

CFPB sues nation 's largest student loan company Navient for failing borrowers at every stage of repayment. 

I am one of the student loan that was affected by this Navient company. is there any forms that I have to fill out?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to JPMCB - CARD SERVICE, JPMCB - AUTO FINANCE to get the inquire removed but, they haven't resolved the matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 1.5 years, I've tried numerous times ot get my free annual credit report on XXXX. I can pull XXXX and XXXX, but for some reason EFX continues to populate the Auth Interview, I take it and pass, and I'm greeted with a message that reads, " Online Delivery Unavailable '' and tells me I have to write into EFX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a open end consumer credit plan as late for any purpose.
Product: Credit card

Capital One has been negligent with my security and provided false information that indicated charges had been dropped due to fraud. Two months later all charges were reestablished which caused me over {$30000.00} in damage. 


In XX/XX/2020, Capital One granted a request made by my separated husband at that time, to be an authorized user from my credit. He received a credit card in his name on my account. I had no awareness of this transaction as I had not used my account in over a year. He was able to make this transaction online by changing the phone number to his. He and I were going through a divorce, and I was no longer living at the residence. 


I did not request nor give permission for anyone to be an authorized user of my credit nor receive a credit card in his name. 


I gave no verbal permission with Capital One, and signed nothing. 


I requested to hear any audio recording of my granting permission for my ex to become an authorized user. I was informed it had been established through a computer transaction and he had changed my phone number to his. 


I discovered this in XX/XX/2020 during a credit check, demonstrating that my credit rating had fallen from excellent to good. Within 4 months, he had charged {$25000.00} on this account, including a {$4000.00} guitar, and daily maximum cash outs. This in no way reflected my trend in credit card use. He made a request to Capital One to increase credit and was denied. 


Once aware, I attempted damage control and handled the credit rating by using a debt management program to stop the XXXX  % interest. As he and I were undergoing a divorce, this was another item of dispute for which I was charged with extensive hours with my lawyer and was charged with over {$6000.00} in lawyer fees. 


I contacted the Fraud department and made a complaint. I received Capital One statements that indicated charges were eliminated due to fraud. My XXXX  case continued with this no longer being a discussion point. Later, I was later informed that the Capital One Fraud department had investigated and determined that this was not a fraudulent case, rather a marital divorce case. At that time all charges were reestablished. I had divorced and had responsibility for my credit.

The Capital One Fraud department refused my request for an appeal of their decision. Capital One acted in their own interest rather than investigating the lack of my personal security which led to my cost of over {$25000.00} debt and {$6000.00} in lawyer fees, as well as over 10 hours of dispute with Capital one over my security and fraud.

I would like to appeal this decision and have funds returned to me, as well as my legal charges during this dispute. 


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

In Accordance with the fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 Section 602A. 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 or other personal consumer reports

I'm writing to express my serious concern about the negative rating on my account. This derogatory mark is significantly impacting my credit, having already led to a loan application rejection and higher interest rates on my current credit accounts. I can not overstate the financial and emotional strain this is causing me, which will persist until this matter is resolved.
Product: Money transfer, virtual currency, or money service

Hi My Name is XXXX l tried open a account with binance. All paper work its been ready. They put on pending list more than 2 or 3 months please can you guys guy help thank you My Binance account # XXXX XXXX XXXX
Product: Mortgage

I got a letter from suntrust saying my loan is in default as of XXXX XXXX which is absolutely NOT true. The grace period allows me to pay up until the XXXX of the month WITHOUT penalty and I have proof the my mortgage was paid on XXXX XXXX less the ridiculous {$82.00} late fee that they 've been charging me since XXXX XXXX and I refuse to pay ) for their repeated errors. This is completely unacceptable and needs to be resolved immediately. Even when I pay, they still manage to XXXX it up! That have absolutely no business being responsible for other people 's money.
Product: Credit reporting or other personal consumer reports

Please refer to the attachments pertaining to the Equifax data breach
Product: Checking or savings account

I deposited money in my Bank of America Checking account via the ATM. 
I had a total of {$5000.00} The first transaction I did was for {$4200.00} and the ATM shut down while taking my money. I was on call with BOFA. There werent able to help me reach a resolution. 
I made another deposit of {$740.00} for the remainder which went through. 

But Im still at a loss of XXXX and Im severely stressed as that was the only money I had to pay my bills.
Product: Debt collection

Lvnv funding obtained a default judgement against me, I was never served. I found out when I received a letter from my bank ( see attached subpoena ) dated XXXX XXXX, XXXX. I was never aware of such a serious issue. I had no knowledge of the original creditor or amount in question. I looked up LVNV & contacted them at this number XXXX to ask for proof of the obligation. I also went to the court house on XXXX XXXX, XXXX, to request a copy of the original file. According to the clerk, based on her receipt the summons was taped to my door around end of XXXX or early XXXX of XXXX. I did not receive the summons that is why I was not aware of the court date which resulted in a default judgment. I made a request on XXXX XXXX, XXXX of the original file & I 'm still waiting for the file from the court. On XXXX XXXX, XXXX, I went to pay my mortgage, I found out that my checking acct along with my dayghter 's have been frozen. The bank representative notified me of a writ of garnishment order that was received from LVNV funding on XXXX XXXX ( see attached ).
Product: Credit reporting or other personal consumer reports

These inquires on my Transunion Credit Report is not mine and its an attempt to do fraud in my name. 
XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX  ( Construction ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX  ( Finance ) XX/XX/year> XXXXXXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXXXXXX XXXX ( Finance ) XX/XX/year> XXXX