23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

- I am XXXX years old and have a combination of personal and business checking accounts - Have NEVER bounced a check ; NEVER wrote fraudulent checks ; have excellent FICO ( latest is XXXX ) - I created a new C-Corporation on XXXX XXXX called XXXX XXXX XXXX XXXX XXXX. 

- I wanted to open a new business checking account online - I submitted my application and uploaded my passport info ( see attached ) - I then got a email asking for Articles of Incorporation, etc ( which is perfectly fine ) ; these were to be due on or before XXXX/XXXX/XXXX - I have been traveling and was going to submit by XXXX XXXX - I have 2 credit cards over 10 years old with CapitalOne in perfect standing - I received a cryptic email from CapitalOne ( see attached ) " denying '' me the ability to open a business checking account ( NO explanation as to " why '' ). It stated : Weve carefully reviewed your application, as well as individual and business reports from third party sources. Unfortunately, we cant complete your request at this time. '' - I called them and stated your email references " business reports '' What business reports? I just opened the corporation a few days earlier. I also stated I had not had a chance to upload the remaining documents yet as it is not XXXX/XXXX/XXXX yet. They stated that has nothing to do with it. I was denied and they were not going to tell me why. 

- I asked for them to provide me the REASONS why this was denied. They stated they did not have to. I stated per FCRA I have a right to know if what you are viewing is accurate. They said this is a not a line of credit. I stated exactly ... .it 's just a plane old bank account. My credit is stellar and I do not have a track record of business yet transactions yet ... ... so WHAT was the reason for the denial? They refused to share. I stated how can I be sure there is not an error in what you are looking at if I can not verify what you are viewing is accurate. They stated too bad. 

- I feel I am being discriminated against - All I simply want is either the SPECIFIC reason as to why I was denied or a copy of the report ( s ) they used to make their decision, and I can not for the life of me understand what the issue is. I have NEVER had any issues with any banks.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$420.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX BANK XXXX Bank ) XX/XX/XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit Bureaus stated Accounts, XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were properly investigated but how is that possible if the open date is innaccurate, the date last active is inaccurate including last reported date is not accurate. I have verified the reports on these accounts and everything highlighted is not matching each credit bureaus. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Debt collection

I XXXX XXXX hereby attach documentation showing proof of a XXXX  XXXX Bankruptcy petition filed XX/XX/XXXX, and completed with disbursements XX/XX/XXXX. My husband and I successfully completed our XXXX bankruptcy and adhered to every instruction of the trustee of our case. However, several of my previous creditors that I had prior to the original filing in XXXX have maintained an ongoing record of the account in question, and in some cases passed my personal information onto debt collectors or buyers in violation of the Fair Debt Collection Practices Act. I hereby demand that any information pertaining to XXXX XXXX be purged immediately and permanently. I also request the Consumer Financial Protection Bureau to levy fines against these creditors and/or debt buyers for the violation of an American consumers constitutional rights. The transfer of my personal information while bankruptcy was either pending or discharged is a deplorable act. Accordingly, I demand that any information to past accounts be deleted on all three major credit bureaus, XXXX, XXXX, and XXXX XXXX respectfully. Please send notification to the three major credit bureaus to delete all information and purge my information permanently. 

XXXX XXXX
Product: Checking or savings account

I am writing to file a formal complaint against the mortgage company, XXXX XXXX, managed by XXXX, and my bank for making mistakes in my account costing me thousands. This is regarding illegal and abusive practices that have resulted in significant financial harm to my mother and myself. 
We purchased our home in Georgia and began making mortgage payments around XXXXXXXX XXXX XXXXXXXX. Our payments were set up to be automatically withdrawn from our Navy Federal account to ensure timely payments and to include additional payments towards the principal. However, despite our efforts, we have noticed a troubling trend in the increasing balance of our mortgage principal, contrary to the expected decrease with extra payments. 
Upon further investigation, we discovered that our life savings account has been negatively affected, with thousands illegally withdrawn over time. This unauthorized activity has been detrimental to our financial well-being, as the withdrawals were made without our knowledge or permission. We strongly believe that these actions constitute financial elderly abuse, as we are retired individuals relying on our fixed income to cover expenses. My social security should have covered the mortgage but they illegally and arbitrarily took double payments from my account through ACH. The unauthorized withdrawals began in XXXX XXXX XXXX, with increasing frequency and amount taken from our accounts. By XXXX, money was withdrawn from our savings account four times, and in XXXX, six times, despite our agreement for bi-monthly withdrawals. This pattern continued, with money being withdrawn four times a month when we were only on a bi-monthly payment program. 
Upon discovering these unauthorized withdrawals, I immediately contacted XXXX XXXX and blocked any further ACH withdrawals from our accounts. However, the damage had already been done, with a significant amount of money unlawfully taken from our savings. The bank 's fraud department confirmed that these withdrawals were made to cover overdrafts caused by XXXX XXXX 's unauthorized actions. 
This situation has caused us immense stress and financial hardship. We request a thorough investigation into XXXX XXXX 's practices and actions to rectify the harm caused to us. We also request the immediate cessation of any further unauthorized withdrawals from our accounts. Navy Federal has a rule that if an account is overdrawn, then they can find money in any other count and pull it from there to make up the difference. However, it was overdrawn because Navy Federal was sending extra payments and XXXX XXXX was pulling payments over the correct amount which doubled up on payments causing my account to be overdrawn. This was going on for months until one day I saw that my retirement account was practically drained. 

The account is in such shambles that it is hard to figure out what they did. Now I have to fight to get my money back. The only thing that I can do is to get an attorney and an accountant which will cost even more money.
Product: Credit reporting, credit repair services, 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  has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish account without my written instructions. 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 several 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

On XX/XX/XXXX I checked my credit report on Equifax and noticed my identity was stolen. Someone opened an XXXX XXXX credit card under my name as a secondary user with a false address. credit card limit of {$29000.00} and charges made of {$7100.00}. credit card was opened XX/XX/XXXX and still open. as well as a soft inquiry made on XX/XX/XXXX to XXXX In which was not me. I called Equifax that same day to report this fraudulent matter. i was told to mail a disputed letter along with copies of my social security, drivers license, police report, FTC report, bank statement and my electric utility bill. i made multiple calls to Equifax to find out if they received my certified mailed information. all agent representatives told me nothing arrived. However, I payed for this important information to be certified mailed and signed for upon delivery. my information Is lost. on XX/XX/XXXX I spoke with an Equifax representative named XXXX she confirmed the XXXX XXXX credit card and XXXX soft inquiry on my credit history along with the fradulent residential mailing address. she helped me and provided me with the credit card account number to provide to the XXXX XXXX Fraud department. on XX/XX/XXXX i recieved a letter from Equifax that my information does not exist. it is still on my credit history. and to provide them with more documention that was already sent to them. this is very distressing. I am being given the run around. my identity has been stolen for four years.
Product: Credit reporting, credit repair services, 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, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX has violated my rights . 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

Incorrect personal names on my credit report. Filed a dispute online to update the spelling of my name. XXXX Incorrect account balances on my report that I disputed as inaccurate. XXXX  Inaccurate inquiries that I did not authorize.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXXXXXX XXXX  XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information not removed from credit report after being paid or discharged in bankruptcy and credit each credit bureau is showing different information and different accounts to I have filed bankruptcy twice and I should not have any negative items on my credit report
Product: Credit reporting or other personal consumer reports

I DISCOVERED A BANKTRUPTCY REPORTED TO ALL THREE MAJOR CREDIT BUREAUS ; XXXX, XXXX AND EXPERIAN. WHEN I TALKED TO CUSTOMER SERVICE AGENTS AT AII THREE CREDIT REPORTING REPORTING COMPANIES, THEY EMPHATICALLY STATED THAT THE XXXX BANKRUPTCY XXXX REPORTED DIRECTLY TO THE COURT. BUT I WROTE A LETTER ( XXXX ) TO ALL THREE CREDIT REPORTING COMPANIES ASKING FOR AN EXPLANATION. THEY STATED THAT THE REPORT WAS CERTIFIED BY A COMPANY. WHOM, THEY DID NOT ANSWER LEAVING ME TO ASSUME THAT THE XXXX XXXX DID INDEED REPORT DIRECTLY TO THEM. 
SO I WROTE TO THE BANKRUPTCY COURT ASKING FOR A WRITEN CLARIFICATION. THE COURT WROTE BACK THAT THEY DO NOT REPORT TO ANY CREDIT REPORTING COMPANIES. THEREFORE THE CREDIT REPORTING AGENTS VERBALLY LIED. 
WHEN I CHALLENGED EXPERIAN, XXXX AND EXPERIAN VIA THE COURTS REPLY, XXXX DELETED THE BANKRUPTCY. EXPERIAN AND XXXX HAVE REFUSED PER AN UNDISCLOSED CERTIFICATION CRITERIA AND DESPITE THE COURTS POLICY. 
I BELIEVE THE GOVERNING POLICIES SHOULD BE CONSIDERED : FCRA SECTION 611 ( 15 U.S.C.1681 ) PROCEDURE IN CASE OF DISPUTED ACCURACY FCRA XXXX
Product: Vehicle loan or lease

I recently refinanced an auto loan. Ford Motor Credit deposited the cashiers check on XX/XX/2022. Today is XX/XX/2022 XXXX they have not yet credited my account for the payment they received on XX/XX/2022. Ford Motor Credit is effectively accruing interest on a loan that has been paid off.

This pattern and practice effectively allows Ford Motor Credit to collected interest on loans after they have been paid off.
Product: Debt collection

This company have not sent and validation of debt or signed contracts between be & Summit Account Resolution. I have no contracts with this company this needs to be removed and is being misrepresented I have no personal agreements with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX To : ( XXXX, XXXX, equifax ) Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX From : ( XXXX XXXX XXXX Address : ( XXXX XXXX XXXX XXXX  XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau XXXX XXXX XXXX and Equifax and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed many new inquires on my file... i called they told me the system was down and gave no further assistance
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

I had a home mortgage with Homebridge Financial Services last year ( Loan # XXXX ). This loan was paid in full as of XX/XX/2020. Homebridge has refused to send me my 1098 Mortgage Interest Statement for the year 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's my belief that XXXXXXXX XXXX has taken discriminatory actions against me. The company fails to abide by federal regulations. Company is in direct violation of 15 U.S.Code 1681a ( 2 ) ( i ) which clearly states item to be excluded from a consumer report ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; shall be excluded. The definition of excluded means remove from consideration. XXXX XXXX has taken adverse discriminatory actions against me and has failed to perform a FAIR and accurate investigative consumer report as defined under the rules of construction 15 U.S.C 1681a ( 3 ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. XXXX XXXX has no prior written permission nore any lawful authority having means of my nonpublic private personal information. Fraudulent acts having the use of my non public private personal information and furnishing collections on my consumer report as a way to coercing a payment a direct violation of 18 U.S.C 1028a Identity Theft! Company is also in violation of a Ceist and Desist order, terminating communication through all mediums directly or indirectly. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.
Product: Credit card or prepaid card

Fraudulent transactions on my gift cards with one vanilla.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Wells Fargo : XXXX, 2020 to ask for Covid relief support for  payments of credit card that was told that we would have been postponed for 90 days. In XXXX we were notified that XXXX 's payment was late and showed a negative mark on our account. We disputed the late remark. Wells Fargo sent us a letter stating that it was an error on their end and in 30-60 days it will be removed from the credit bureaus. We closed on our  house in XXXX and had a higher interest due to this error and we also attempted to apply for a home mortgage HELOC and was denied due to what was on our report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Mortgage

I Obtained a conventional mortgage through XXXX in XXXX of XXXX, Mortgage then went to XXXX XXXX XXXX then from XXXX to XXXX XXXX. 

While at XXXX, I applied and my mortgage was modified by the HAMP modification program ( unsure of date ). Loan was then transferred to Rushmore Loan Management in XXXX of XXXX. 

According to my original loan documents my PMI was scheduled to terminate in XXXX of XXXX. I inquired with Rushmore Loan Management, about PMI termination. During an online chat on Rushmore 's website I was given a PMI termination date of XX/XX/XXXX and was advised to submit a request to the PMI department through Rushmore 's online message center, I did and then received a letter, by mail, denying PMI termination dated XX/XX/XXXX. Reasons listed in the PMI denial letter : " It must be at least two years since the origination of your loan '' and " based on the recent appraisal ... XXXX '' while the last sentence reads " We have been unable to contact you to schedule and/or perform and appraisal of your property '' My complaint is that my original loan documents should take precedent and that my PMI " drop dead '' termination date can not be pushed back due to the HAMP modification.