23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below was 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 XXXXXXXX, 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 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, credit repair services, or other personal consumer reports

No reply from credit bureaus they sent me a generic reply. Nothing with my signature nothing showing I legally owe this debt. There

s 15 accounts that are showing closed thats over 10 years and still showing on my reports. See attached of student loans still showing on my report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments marked LATE in XXXX, XXXX and XX/XX/2019. I was traveling and thought Auto Pay for monthly lease payment was enabled via the bank website. I was informed in early XX/XX/2019 that two payments had been missed and resolved the issue immediately. 
Not a single representative at XXXX  was helpful, in the slightest, and my credit has been significantly affected by this error. I have explained that the error was a website issue and there should be some sort of FAIR resolution but they wont even respond to my request. I only recently received a form letter in the mail.
Product: Credit card or prepaid card

I received an email from Bank of America ( whom I've never done business with ) XXXX at XXXX asking me to click here to confirm my email address ( I did not ). I received a second one at XXXX congratulating me on my new credit card. I was able to get the account closed on XXXX. I will be requesting a fraudulent credit card application copy request form today from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent XXXX, Equifax and XXXX SEVERAL LETTER trying to resolve this matter. In XXXX, i sent letters asking each individual credit reporting agency to verify the bankruptcy they are reporting on my credit report. XXXX has deleted the unverifable bankruptcy from my credit report, However there are several accounts that i have disputed and they are CONTINUING to report INACCURATELY information on my credit report. I have sent several letters back to back and they are not coroporating. 

EQUIFAX and XXXX  are also reporting inaccurate information on my credit report, and are refusing to ccomply with my disputes. Furthermore BOTH EQUIFAX and XXXX  are claiming that they verified the bankruptcy from XXXX XXXX, attached below you will find where XXXX  XXXX has DELETED the information due to it being unverifable. However EQUIFAX and XXXX  who claimed they got their information from XXXX XXXX has refused to remove the inacurrate information and its been 6 whole months since i sent them PROOF to have the information deleted. 


I have found an FCRA Attorney from XXXX and XXXX XXXX and they have informed me that i can sue XXXX, XXXX  and EQUIFAX for inaccurate reporting and defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I faxed my IDs so NCTUE could update my information & address and have NCTUE mail me a full report. Never received it? 

On XX/XX/XXXX, again, faxed my IDs so NCTUE could update my information and have NCTUE mail me a full report, never received it? 

Plus I have attempted to access the automated system many times, putting in my ss #, house # & zip code, I am never recognized. 

I have never received any letters from NCTUE telling me about any type of problem on why my report can not be mailed? 

I have included the both faxes sent to NCTUE.
Product: Mortgage

I called Mr. Cooper on XX/XX/21 to obtain the amount of principal that I could pay to have the PMI removed from my mortgage. They then told me that because I was wanting to have early removal that I had two options for having PMI removed and both options required that I pay them for an appraisal! 
I then did some research and found information about the Homeowners Protection Act and your website. 
Today ( XX/XX/21 ) I called them back and after they told me - again - that I needed to pay them for an appraisal, I mentioned the Homeowners Protection Act and then the representative informed me that if I sent in a principal payment that brought me to 80 % of the loan value that the would compare to Fannie Mae and would take it off. 
As I was about to ask for the address, she hung up on me. 
I'm not sure what to do at this point, but I will be sending in the amount needed and I guess follow up with them to get PMI removed. 
Thank you!
Product: Checking or savings account

I have a small savings account that is connected to my checking account. I don't use the savings account for holding large amounts of money because the interest rate is very low. I was encouraged told to keep it open when I went into a local branch because if I just keep a balance it won't charge me any fees. I had not checked on the status of this account because I don't use it. Recently I noticed that the money was going down and I looked and I had been charged {$40.00} worth of fees for not having met the proper conditions. I called XX/XX/year> them and expected them to reverse the fees because they are so small and they were only able to reverse 2 fees for {$10.00}. Lacking the ability to reverse these fees and convincing me to keep this account open I think are bad business.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2018 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am submitting this report because unauthorized accounts have been opened in my name twice in the last 8 months at Bank of America. The first incident happened in XXXX, 2022. The most recent incident happened at XXXX ( EST ) this morning. 

In both cases I received several emails letting me know a new account was applied for and ultimately approved in my name. The first time was a mess to get resolved but Bank of America did eventually send me a letter indicating they agreed the account was fraud. This time I had a better idea who to talk to and what to ask for. The account is closed and I am supposed to either get another letter indicating this was also fraud, or they will contact with any follow-up questions within 2 weeks. As with last time, it was challenging to get them to say they would send a letter as they didn't seem to understand why I wanted it. 

In both cases I caught the account opening before any transactions took place. I had a mortgage with Bank of America years ago so they do have my info on file. The first time I assumed my info was compromised somewhere. I've received no alerts through my id protection or any credit agency, but now that it's happened again at the same bank I wanted to file an official report with the CFPB. I've only provided specific documents relating to the current issue, not the identical incident 8 months ago. I'd be happy to provide more details on the previous incident if needed.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts from XXXX XXXX XXXX. They do not have any delinquency on them. I filed Chapter XXXX bankruptcy in XXXX and it was converted to Chapter XXXX bankruptcy on XX/XX/XXXX. Prior to converting, these 2 accounts were Reaffirmed and closed. My credit report shows that the accounts are included in Bankruptcy. These two accounts are not included in bankruptcy as they were closed and combined into another account. The status should be changed to Pay As Agreed and there should be no bankruptcy remarks on these two accounts. The accounts numbers were closed and all. They are NOT included in Bankruptcy
Product: Mortgage

I applied for a mortgage loan refinance with XXXX  and was approved for a jumbo loan. I signed loan documents with a notary on XX/XX/2021 and transferred money to XXXX  via bank wire to complete the loan. The loan was suppose to fund on XX/XX/2021 but it did not. About XX/XX/XXXX, I sent an inquiry to my loan originator and he got back to me and told me XXXX  was sold to Guaranted Rate and all loans ( about XXXX ) that were approved to fund had to be done using Guaranteed Rate documents and that take about 2 weeks to finish. I agreed to continue with the loan as I understood I just had to redo the documents with a notary using Guaranteed docs and they would honor the original mortgage rate with a reduced cost to me for my inconvenience. 

Well it has been 2 months now and the Guaranteed Rate loan originator keeps asking me for updated docs. I have sent them updates documents ( pay stubs, bank records, etc.. ) after each request. Again today, I was asked for updated docs and I am unsure if I am being scammed now because my wife and I are well qualified ( income / savings / debt to income ratio and credit are all easily within funding parameters ) to obtain a loan. 

My question is ; if I was qualified for a loan, signed loan docs with a notary and wired a significant amount of money to complete the loan contract, is there a breach of contract by Guaranteed Rate since they purchased XXXX? 

I also told that the other XXXX applicants who were approved for a loan like me had to go through the same process I am going through, which is not fair to any of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a wells fargo credit card that i didnt ask for. It was already set up. I then had financial problems and had to use the card. 
A short time later i paid off the credit card. They immediately reinstated my card with with more credit available. Even though i didnt want the card because i know they can cause problems and hurt your credit. Anyway. I started getting harrassing letters when i was behind.I feel they have unlawfully created this credit card and are taking advantage of elderly people. XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAU FAILED TO POSITIVELY VERIFY COLLECTION ACCOUNTS 100 % ACCURACY LISTED BELOW ACCOUNT # XXXX XXXX XXXX COLLECTION/CHARGE OFF ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX COLLECTION/CHARGE OFF ACCOUNT # XXXX XXXX XXXX COLLECTION/CHARGE OFF
Product: Credit card or prepaid card

I am a member of the XXXX and I believe recent action taken by Citi with regard to XXXX control is discriminating against law-abiding citizens like myself. Big Banks who have been bailed out by the taxpayers of America should not be setting policies that should be left to our lawmakers. I have been a customer of CITI for over 15 years and I'm very close to closing my account because of this action.
Product: Debt collection

Consumer ADJ Co showed up on my credit reports with an account submitted by XXXX XXXX. The dates show the account was established while I was a minor and I couldnt access the knowledge of this information until I turned XXXX and it was reported already. I had no way of getting credit as a minor without my parents permission.
Product: Mortgage

In the past few days, my wife and I both received letters stating that XXXX denied our equity line of credit loan application ( to pay off an existing XXXX at another bank ). 

I immediately asked XXXX to correct their records to reflect the truth regarding the status of our loan application. 

As a result of the bank 's poor communications with me after I first inquired about an equity line of credit, I lost faith in working with the organization as a lender, so I emailed their employees on XX/XX/2023 and directed them to cancel the loan application. 

After that, both my wife and I continued to receive multiple emails, at first requesting additional documents, and then requesting our signatures because the loan had been approved. 

On or about XX/XX/2023 I complained in writing to the bank, asking them to stop sending us unwanted messages. 

Then we received the correspondence that we were denied the loan. 

That denial letters appear to be XXXX 's attempt to get back at us for notifying them that we were unhappy with the service we received from their employees. 

We expect those letters of denial to reflect negatively on our excellent credit scores, so we intend to take all reasonable steps to ensure that they correct this error.
Product: Checking or savings account

I want to open an Virtual Wallet checking account in PNC but they did n't allow because their system shows that there is a Fair Credit Reporting Act in my consumer report. So I called XXXX XXXX and got my consumer report but it only shows basic information of my previous account in XXXX. The report does n't contain anything wrong with my personal credit. Then I went to the XXXX XXXX XXXX to check if there are something wrong with my previous account and they told me I do successfully closed that account 5 years ago as well as did n't owe any money. Now I went to PNC again and they were still not allow me to open a new account since their system has such a " Fair Credit Reporting Act ''. I am really confused and could you give me the reason why I ca n't open a checking account in PNC. Thank you!
Product: Debt collection

This account is the result of identity theft and was removed from my credit report on XXXX XXXX XXXX under the name of the original creditor ( XXXX XXXX ). The account numbers are ; XXXX and XXXX. I have contacted the company ( LVNV Funding ) and notified them that this account does not belong to me. They continue to harass me, attempt to collect a debt that does not belong to me, and report negative information to the credit bureaus. I have sent them a copy of my FTC report. They are reporting that this information is accurate and verified. I have yet to receive PROOF. I would like this company to cease all communications and remove any markings from my credit report.
Product: Debt collection

This company calls from assorted phone numbers, all of which are not active when called back, they use number spoofing and neighbor spoofing to call and threaten legal action. I have never dealt with them and will never return a call or " log into their website '' to do business with them.

In veiled language they threaten legal action, disguised just enough to make it legal, but threatening none the less. They also threaten to contact you neighbors, friends and family and employer.

They need to stop calling me or anyone they have on file with my account, cease and desist immediately!

They don't even use a legitimate street address, how could you trust a scammer like this?

They are a shady bill collector who uses scare tactics and less than legitimate technics to scare people.
Product: Vehicle loan or lease

I have made over pmts when I can because I know longer have a monthly income. I Noticed my XX/XX/XXXX/XX/XX/XXXX/XX/XX/2018 I over paid and was charged my counties 6 % for the over pmt amount instead of the {$19.00} sales tax per signed and agreed upon contract that the base would be {$320.00} but {$320.00} it fluctuates monthly and sales tax should be {$19.00} but also fluctuate to {$19.00}. The problem is that when I made a overpmt they taxed me the 6 % on my over pmts that I'm not due for for XXXX/XX/XX/XXXX, XXXX/XX/XX/XXXX, XXXX/XX/XX/XXXX. I have been told several lies and denied to credit me the extra taxes they charged on a over pmt, I was told the 1st call about it, something was offset in XX/XX/2018 and when I made the unexpected over pmt it corrected the issue, I then asked what was offset and she/rep could not show any prove to what she said. She then says the {$11.00} credit charged sales tax from XX/XX/XXXX went to next month bill but I was charged even more sales tax because I paid {$540.00} so they taxed me 6 % again on my over pmt amt, my lease pmts are {$340.00} and they say they can charged me more in taxes when I over pay. So Iam being penalized for paying in advanced!!! I explained, I was in a car accident and lost job and have NEVER been late. I have been told more lies and they blame it on the state/county, I explained I'm in same state I purchased vehicle as they can see on account and Michigan State and ALL counties taxes are 6 % after they tried to say it's the state taking more taxes as if I did not sign a contract agreeing to a set amount. I ask, If I can pay upfront what's left of the taxes of XXXX on the car and was told no and in the future will continually be charged more taxes if I over pay which breaches the contract on a set amount to be allocated correctly, I set the contract up to only pay what the contract states, what I'm obligated to pay and NON MORE. The recorded calls will show that they are liars, this last supervisor that I talk to today said our call was not recorded which should not be legal when their is a discrepancy. I know longer want the vehicle because they XXXX a XXXX XXXX XXXX! I will never get another vehicle and will push for others to do the same because XXXX is a XXXX XXXX. Thank you for your time reading my complaint and hope I don't have to get a class action lawsuit together because the people who can afford to pay more is not cheated like they do the elderly.
Product: Credit reporting or other personal consumer reports

am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am a victim of data breach. Information exposed in the data breach.
Product: Checking or savings account

On XX/XX/2025 Sofi Bank restricted my account because I made an external transfer from another bank into Sofi. They will not provide me with an ETA or an explanation as to why this is a problem. They will not allow me to speak to a supervisor for clarity. Please do not do business with this bank. All my money is frozen with no explanation or ETA.