23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied months ago with Cardinal and received my pre approval. The file went through initial underwriting normally with the underwriting team responding back with Conditions that should be met before the loan would be approved. The conditions were suspicious and seemed to have nothing reasonably to do with ensuring my ability to pay the loan or complying with FHA guidelines. Some of them seemed very targeted and arbitrary, but none the less, I complied and completed every requested including pay off a tax obligation that was 1. not yet due 2. was not in collections 3 did not interfere whatsoever with the company 's ability to secure first position with the mortgage. The night after closing was suppose to happen, the underwriter seemed to question a document that I sent months ago that she approved. THe document referred to my student loan payment that was in forebearance due to a federal legislative act. She took issue with the document disclosing an " estimated '' payment instead of actual payment after forebearance. Because it said estimated and not the actual payment, she inputed a payment that is 4-5 times the estimated payment. This imputation that clearly at odds with evidence and what is reasonable, took me out of appropriate DtI which is now the bases for denial. I believe, and have said multiple times that I am being discriminated against in this loan.
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 rights to privacy and confidentiality under 15 USC 1681. 

TransUnion : Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$250.00} ) Has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that 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.

15 U.S.C. 1681 C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Money transfer, virtual currency, or money service

update my billing address to this. send invoices here : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, its clear that the errors on it are even more troubling than the state of the economy. Seeing so much inaccurate information is overwhelming and causing me significant stress. Its disheartening that I have to deal with this, especially when these inaccuracies are dragging down my credit score. The thought of not even being able to afford help, like a psychiatrist, because my credit cards would be declined is deeply upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my complaint to notify you about the wrongdoing of the 3 credit bureaus. They are violating the FCRA Law by reporting the inaccurate information. The fact is, it was really affects my financial standing. The Bureaus are required to remove the items, but they failed to remove. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This afternoon, I saw unauthorized inquiries on my credit report and can not understand why. I usually check my report without any issues, but this time, there were unexpected discrepancies. Refreshing my browser didnt help ; the inquiries remained. Im incredibly frustrated and demand that the documents Ive submitted be reviewed immediately to resolve this issue permanently.
Product: Student loan

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Debt collection

Citibank threatened not to return my money from closed account. They are withholding my money still. Each time I call, customer service keeps hanging up and telling me there is nothing I can do about this, and they will keep my money.
Product: Debt collection

I received a letter from   XXXX   XXXX  ,  XXXX  dated   XXXX   XXXX   , 2017    stating they represent a  EOS USA  and that I owe their client {$45.00} on a very old  XXXX  former  XXXX  account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.
Product: Credit reporting or other personal consumer reports

My credit report shows errors in the form of unauthorized inquiries, against 15 USC 1681c-2. These entries are hurting my creditplease remove them. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act : Section : 15 U.S.C 1681 Section 602A States I have the right to Privacy 15 U.S.C 1681 Section 604A Section 2 Also states a Consumer Reporting Agengy can not furnish an account without instructions. 

These accounts have Violated my rights. based on the fair credit act sections. 

XXXX acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Also I have uploaded documentation of the Chapter XXXX bankruptcy stated by XXXX that is was verified by XXXX XXXX. This Information was disputed by XXXX XXXX which they removed this from the account it was unverified. 

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

On XX/XX/2022, I wrote to you requesting an investigation into items that I believe were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have no complied with my request. I regret that I am being forced to take such action.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I took notice that the Capital One Credit Card account is currently in a Charge off status. I sincerely would like to take care of this account as soon as possible. 
Due to XXXX & the loss of my job, unfortunately got behind on my payments and was unable to meet my obligations. 
However, since then my situation has greatly improved and I was able to pay the full amount of {$510.00} that I owed the company XX/XX/XXXX. 
After successfully paying off my credit card, I had attained knowledge from XXXX that my card had been charged off & it will sustain these charges until XXXX. I am not agreeing to a credit report that express such charges. There are various reasons as to why I do not agree & those reasonings vary. First, under the FRCA it ensures the accuracy, fairness & privacy of the information in credit bureau files. The accuracy on my Credit Report is invalid in many aspects. A charge off should appear when your credit card is 180 days past due, mine was not. On XX/XX/XXXX I made a payment of {$50.00}, which had been posted. The scheduled payment was set for {$25.00} which I had paid double that in attempts to pay off my debt little by little. From the XXXX of XXXX XXXX XX/XX/XXXX ( the date my account was charged off ) is not the 180 days needed to acquire an charge off and is inaccurate. Second, there are entries that state that I had not made a payment to capital one. For example on XX/XX/XXXX I made a payment of {$200.00} & it was flagged on my credit report that I had not made a payment for 30 days. Which is untrue. Amid that there are very contradicting entries as well, such as incomplete data on my payment history for dates I made a payment on. Lastly, Ive contacted both XXXX and Capital one to correct the information that is inaccurate and incomplete, which they must do legally, as well as remove the charge off from my account. Both companies did nothing about the issue & gave me the run around completely. Ive filed 3 disputes with XXXX so far & the charge off and inaccurate information has not been updated nor removed. I also have evidence of my balance amount on a chart that lowers around the dates that It claims I hadnt paid. How could my balance amount lower if there were no payments made? Receiving a charge that I did not rightfully earn is absurd. I wish for the charges to be removed & the inaccurate information to be updated. I believe this creditor has violated the FCBA as well as my own rights. I will not accept this charge as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again gain the credit score & cleanliness on my report that I once had.
Product: Credit card or prepaid card

Capital One has had to remove over {$7000.00} of fraudulent charges and interest from my card after a complaint was submitted to CFPB. The account still shows as a " Charge Off '' ; the account still shows a balance due ; the account still shows having mulitple delinquent payments. 

This is in complete error : Since Capital One was forced to remove nearly 90 % of the charges and interest on the account there would be no way for the cardholder, myself, to know what was actually due and when. Capital One also has no way to back up any claims of late payments since the vast majority of the alleged debt has been removed as fraud. Capital One still can not provide me with the totals due monthly for the periods they are stating were delinquent. They also can not verify that there is still {$510.00} in charges left on the account. Any attempt to work with Capital One is simply responded to with " it's pending '' or that they are correct in their claim without any evidence to back up their statements or any attempt to allow me to communicate with a senior account manager to keep this from a damage to credit issue.
Product: Checking or savings account

I deposited a check with Bank of America using their mobile app. ( XX/XX/2019 ) My check is now being held hostage until XX/XX/2019. I have never had any negative issues with my account as it has always been in good standing. This two week hold, which I've deposited many, many, many checks and have had direct deposit for quite some time will now cause a slew of financial burdens for my family and I. I do not have funds for paying my bills which I now will default on 4 of my credit card payments, possibly my rent and I have XXXX small children that are relying on these fundamental my husband works hard for. In my 20 years of banking I have never seen such a thing. Please I ask for you help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized bankruptcies on my consumer report that violate 15 U.S. Code 1681a ( 4 ), specifically regarding consumer privacy rights. As a victim of identity theft, these fraudulent entries represent a serious breach of my personal information, potentially rendering your organization criminally and civilly liable for improper disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding inter time frame and their investigation results they have not abided by these laws.
Product: Credit card or prepaid card

On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act XXXX, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX XXXX to communicate in writing within XXXX business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX XXXX to respond in writing within XXXX business days giving a reason for non-performance of fiduciary duties. If no communication is made within XXXX business days I can assume that instructions have been completed. I demand that the accountsbe reopened for use. The closing of the account was not authorized by me which is an indication of violation of securities, breach of contract, and identity theft. 
They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act XXXX ( XXXX XXXX XXXX ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act XXXX, XXXX, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited nor re opened the account for use.
Product: Credit reporting or other personal consumer reports

There are two bankruptcies being reported on my credit file listed below : XXXX XXXX bankruptcy : REFERENCE NUMBERXXXX XX/XX/XXXX XXXX  XXXX bankruptcy : REFERENCE NUMBER:XXXX  XXXX XXXX, XXXX When I reached out to the courts I was told they do not report to the credit bureaus.

The credit bureaus also stated they do not participate in the investigation of the disputes but fail to explain who does. Who is the source because the bankruptcy court isn't reporting these records.

Rule 9037 Protecting Privacy for Filings the credit bureaus have failed to protect my privacy.

Additionally, the Bankruptcy Court does not report, furnish, and/or transmit bankruptcy Court records or other information to the credit reporting agencies.

The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individuals property.

The credit reporting agencies independently obtain Bankruptcy case information.

RULE 9037 is a law in place to protect privacy filings to the public the purpose of credit reporting is for creditors to REPORT NOT THE CREDIT BUREAUS.

The credit bureaus are violating my privacy rights also being that I am a victim of identity theft they are putting me at risk.

I did not request the bureaus to report, furnish, and/or transmit bankruptcy court records or any third party information on my credit file. These bankruptcies are not being reported or validated by the courts.
Product: Debt collection

I noticed suspicious accounts on my credit reportplease ensure they are blocked and removed.
Product: Bank account or service

I believe there is more corruption going on within XXXX, whom is now or always been tech support for XXXX XXXX XXXX XXXX XXXX XXXX Income Commissions. I previously filed about this when I used XXXX XXXX XXXX & XXXX XXXX XXXX.Now XXXX XXXX XXXX wont transfer my prospects still so can receive my commissions, also they are allowing XXXX to constantly withdraw monies from my account ( They owe me {$15.00} ) while charging an extra {$2.00} ( XXXX trasactions equaling {$4.00}, plus they have allowed forclosure.net to withdraw monies equaling {$79.00}. With XXXX XXXX, I reported this before to stop it & nothing has been done to prevent them from taking monies from my account! I contacted The Money Network/ First Data about this earlier this morning for investigation & received a call back from their fraud department & they ask for XXXX #, which I do n't give when people call me! I was told that these matters wo n't be investigated because the gentleman & his supervisor stated they needed my XXXX #, which I had already typed in the last XXXX # 's of befor ethe call was transferred. the Money Network tried to tell me they need to close my card & issue another for {$6.00}, which I refused! Please investigate XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX? Thank you all! 
From : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion and XXXX accounts currently contain false reports of inquiries on my credit report that is hurting my score and and hurting my opportunity to acquire more credit.
Product: Student loan

AROUND XX/XX/XXXX. XX/XX/XXXX, I SUBMITTED A REQUEST VIA MAIL ASKING FOR A FULL AUDIT OF MY STUDENT LOANS ACCOUNT # XXXX, LOAN # 'S XXXX AND XXXX, I HAVE YET TO RECEIVE A RESPONSE. IT IS MY BELIEF THAT THE PAYMENTS MADE THUS FAR, HAVE NOT BEEN ALLOCATED APPROPRIATELY, LEAVING A BALANCE THAT EXCEEDS WHAT IS ACTUALLY OWED.