23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I work for XXXX XXXX XXXX. I had a customer who came in and said they had paid a vendor with their XXXX XXXX XXXX checking account. The vendor took the check to his bank at Chase and they placed a 10 day hold on the funds. The XXXX XXXX XXXX customer came in to our branch trying to see if there was any way the check hold could be released. Explaining to our customer that once the check clears his account we would be able to contact Chase and let them know the hold can be released. The next day when speaking to the Manager of the local Chase branch in XXXX FL. When speaking to him I explained why I was calling and he said that he was told anything about this and that he would n't release the hold. He told me that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are the only XXXX banks that do not provide information to him about their clients ( Which federally we can not ) and because of that if any customer comes into their bank to deposit a check from either of these banks he has his staff automatically place a 10 day hold on the funds, even when not warranted. I was appalled at this comment and felt the need to contact you. This branch, and possibly others are places unauthorized holds on account holders deposit accounts and denying them their funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

In XX/XX/2025, I discovered that someone had stolen my identity and has been applying for credit and financing in my name. I did not authorize any of these applications or credit inquiries. 

The following credit inquiries were made without my permission : XXXX XXXX Credit PlusXXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not aware of these activities until I reviewed my credit report and noticed these unauthorized inquiries. I have no knowledge of how my personal information was compromised or how it was used to apply for credit. 

Upon discovering this, I immediately took steps to report the fraudulent activity and protect my identity. I am actively working to resolve the situation and request that this incident be thoroughly investigated and that any fraudulent accounts or activities be addressed accordingly.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX  XXXX, IN XXXX ; XXXX XXXX  XXXX, IN XXXX ; XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, Texas There should only be one address in my report, which is : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX The only job I need listed is : C.E.O of XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process.

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report.

Thank you for your attention and assistance in resolving this matter promptly.

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Equifax. It is an emergency and you are part of the solution. What happens to my credit report that I can not access it? No creditor either? I have been trying to find a solution with the special affairs department for a week and they have been very supportive of me but there is no solution. This complaint goes directly to the technical support department and the department that issues the credit reports. This situation has me very stressed, I demand that this problem be solved now. Please look forward to a quick response. Or you are breaking all Credit Reporting Act ( FCRA ) laws, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Money transfer, virtual currency, or money service

I purchased an item on XX/XX/XXXX, and used paypal 's services to purchase the item. The seller cancelled the sale, however, Paypal hasn't release the refund. I have reached out to Paypals customer service on mulitiple occasions and also filed a dispute. I received confirmation that the funds can be withdrawn, see attachments ; however, they still have not released the funds back to my paypal account to be released. It has been longer than the release date anticipated. 

Amount {$630.00} Paypal Transaction ID XXXX The cancellation number XXXX. Order cancelled on XX/XX/XXXX
Product: Mortgage

for 6 months i have asked wells fargo to provide me with either loan modifcation documents, short sale or deed in lieu applications due to falling behind on my mortgage after finding false liens put on my property by my condo association, in which these liens were on my property prior to me receiving a modiication from wells Fargo in late 2014 after 5 years of lies and deciet. 
title documents fraudently done to allow me to receive my modifcation. 
when i found out these liens were there i turned to wells fargo for assistance, for them to advise how the modification can go through with these liens on my property. they claim they werent there and i have proved they were, they have themselves made a claim with the title company to cover themselves, but refuse to give me any help. 
they have sent me letters, clearly stating they deny me any help what so ever. and now they have placed a home into a collection agency, who states and wells fargo states they are going to foreclose on. 
they have said you received a mod in 2014, if your financial situation has changed we will re-review, 6 months still nothing. of course my financail situation changed. 
i requested deed in lieu documents - refused. 
there is no protection here with this company every step i take im denied and lied too. 
the office of the president at weels doesnt review these letters, because they dont care, they sent to a customer service rep in the esculation department, that literally has yelled at me, demeaned me and again refused to provide me with any assistance to maintain my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX. Im writing this complaint in response to Complaint XXXX and XXXX. This complaint is in regards to both Experian & XXXX for violating my rights to privacy. Its been submitted well over 30 days ago without a response. By law these items need to be removed from my consumer report. Both Experian & XXXX have taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false information to my consumer report without my lawful authority. 


This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency to furnish any of these items to my consumer report. It is my belief that the consumer reporting agencies, ( such as XXXX, Experian, XXXX ) parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Checking or savings account

I deposited a check in my Vystar money market account XX/XX/year>. The account the money was withdrawal from by check has been completely withdrawn by Vystar but there is still a hold on the check. Where is my money?
Product: Mortgage

A Bank of America loan officer XXXX XXXX and her supervisor XXXX XXXX were negligent in handling our mortgage application and their supervisor XXXX XXXX told us last night that we wont be able to close on our new home as scheduled on XX/XX/XXXX. Ms. XXXX told us that everything was on track to close on XX/XX/XXXX and took our credit card information to order an on-site appraisal but apparently never scheduled it. We have spent dozens of hours over the last month submitting documents to Bank of Americas online home loan navigator and also planning many detailed logistics around our closing date of XX/XX/XXXX only to find out just over a week before closing that our lender has not been properly managing our loan application.
Product: Money transfer, virtual currency, or money service

My company wire transfered an amount from my JPMorgan Chase business checking account to another XXXX business account to complete a purchase order. The company that I had the funds sent to was a scam business and never shipped the purchase order. I asked XXXX to look into the receipant 's account. They deemed it fraudulent and closed the account. However, XXXX never reimbursed me the funds. I emailed and spoke with my personal banker numberous times and never got a resolution. Hence, I am filing this complaint in hopes to reclaims funds. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has placed a public record on my credit file dated for XXXX of 2020 named Texas us bankruptcy and I have asked them to verify this information and send me proof of verification or remove them item and they have refused to send me proof verify this item.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiries in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted EQUIFAX on multiple occasions via phone or website in an effort to dispute information on my equifax report. 

equifax disconnects you and on webpage when you hot submit the system crashes i have exhasuted all venues to have these items removed please help see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

REF : XXXX. Equifax is continuing to violate their grave responsibilities under the Fair Credit Reporting Act and are damaging my reputation in the process. In the above referenced complaint, they stated that the inquiries which I will attach, were a matter of FACTUAL record and they will stay on my credit file for 2 years because it is their policy. However, the LAW doesn't permit them to house any inquiries on my file. The LAW doesn't agree with their policy. In fact, Federal Law states that without direct consent from the consumer, they are not to disclose any information nor report information.

Since they state that the inquiries are a matter of factual record, I am demanding the description of their investigation procedures pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ). Provide me with the names, addresses, and exact information provided by the people who helped you determine that these inquiries are a matter of factual record and you are required to provide this information within 15 days, so if you fail to do so, further action will take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought another  XXXX  in  XXXX  anticipating the  XXXX  (  XXXX  fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called  XXXX  and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to  XXXX  in  XXXX   XXXX ,  2017 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX, L, XXXX Employers : XXXX EMPLOYEE XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXXXXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX Experian Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXXXXXXXX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX Collecons : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXXXXXX  XXXX
Product: Credit card

They wouldn't help me resolve monthly charges. 
I called them in XXXX, XXXX, XXXX, and XXXX to remind them that I was still getting unauthorized charges but they wouldn't provide any assistance. They were unable to block unauthorized charges from XXXX XXXX XXXX. They were also unwilling to help find charges for anything that was older than XXXX XXXX. This was multiple unauthorized recurring charges that I didn't authorize. I think they the agents I was speaking to stole my card info and sold it. I wasted over XXXX hours with Citibank I had to close the card which hurt my credit score. Citibank also stole my points.
Product: Checking or savings account

I was using the ATM outside my banking institution. M and T Bank XXXX XXXX XXXX XXXX NY XXXX. I accidentally put cash in the check slot. Instead of sending the cash back out it ate my money. It also kept my ATM card. I had to go inside to get the card back and I thought they could just give me the cash back. However they said I would have to fill out a dispute and they would give me a provisional credit. I filled out paperwork I put in the dispute they gave me a provisional credit for the {$360.00}. Someone in the bank after I left changed the amount to {$260.00}. I never authourized the adjustment neither had they even completed and audit of the ATM. Some teller took it upon themselves to change the amount. I was livid I went back into the bank they refused to give me the paperwork or even who changed the amount. I can tell you this wasnt my finest hour. My husband had to drag me out of the bank as I was yelling and screaming. I went to another M and T Bank and spoke with a XXXX XXXX XXXX XXXX and showed her the paperwork. She put in an internal complaint because they should have never touched the provisional credit. She said they would put the {$100.00} back into my account. I asked her to please get the name of the person responsible. I looked into my account the next day and the {$100.00} was not in there I again called XXXX. She said to give it time I again asked for the tellers name who changed my provisional credit because I was going to file a complaint with the Federal Reserve Board and CFPB. Within an hour of saying I was going to file a complaint the Branch XXXX from XXXX NY XXXX XXXX XXXX called and said she was closing all 3 of my accounts of 25 years. I believe this was in direct retaliation for my filing complaints against this bank.
Product: Debt collection

received call from " Credit Management Control '' who left a voicemail for someone other than myself. As you can see from the contents, the information provided violates federal law. 

" Hi, we have a message from Credit Management Control. This is a call from a debt collector. Please call XXXX between the office hours of XXXX and XXXX Monday through Wednesday and XXXX to XXXX Thursday and Friday. Thank you. ''
Product: Credit card or prepaid card

I ordered dresses from XXXX on XX/XX/XXXX and paid for the three day expedited shipping. By the end of the first week of XXXX, I emailed to inquire status and then I cancelled my order. The second week of XX/XX/XXXX, I had not received my items, I cancelled my order again and told the company I do not want to do business with them. They sent me a return email stating that my order was on the way. I told them again that I didn't want it and they in turn sent me the order at the end of XXXX anyway. I had to send it back PAYING SHIPPING AGAIN when I told them not to send me the order as it was cancelled anyway! I paid for these items through PayPal Credit and to whom I sent in a dispute. After months of going back and forth, I received an email from Paypal stating that they denied my dispute as the reason of my items not looking the same, they are not seeing proof. The items looking the same was NEVER my claim. My claim was that I paid for three day shipping on XX/XX/XXXX, but cancelled my order my by three first week of XXXX. This company forced me to do business with them by sending the items anyway AND I DID NOT RECEIVE THEM UNTIL THE LAST WEEK OF XX/XX/XXXX. I TOLD THEM I DID NOT TO DO BUSINESS WITH THEM AND TO REFUND MY MONEY. I HAVE THE EMAILS REQUESTING THIS. Paypal will not accept an appeal from this unresolved dispute ; They simply just toy around with me by keeping me on hold. Very XXXX!!!! XXXX says not to return to the address given but, would not provide another address. I returned items to address on packages.
Product: Credit card or prepaid card

on XX/XX/20 at XXXX I contacted Macys XXXX started bring account current and they will remove negative. Contact credit department after 48 hours of bringing account current XXXX 9-5. I contacted them several time by phone and mail
Product: Debt collection

I was alerted by XXXX of new activity on my credit report. upon reviewing this alert I learned a collection was placed on my account by prince parker and associates. I looked into it some more and its from XXXX. I called XXXX  who can not find this account which I did not open. after a hour on the phone they were never able to locate account just the account I have with att that's in good standing for 4 years. I have been a victim of identity theft before and I have a fraud alert on my credit file I did not open this account or give permission for it to be opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$29000.00}.
Product: Credit reporting or other personal consumer reports

I have a account with XXXX XXXX XXXX XXXX and I have paid the balance in full and its showing on my credit report that account is open and balance is owed I will like this account to be updated correctly or deleted from my credit report I will be submitting documentation.
Product: Credit card

im sick needed A massager and manicure. absurd what they are charging because i payed double what I owe and they still charging me. please help.