23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX ] [ XXXX ] XXXX XXXX XXXX [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.CXXXX XXXX Subject : Dispute of Hard Inquiries on Credit Report Dear CFPB, I am writing to formally dispute several hard inquiries that have been reported on my credit report, as outlined under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( n ). I believe these inquiries were made without my consent and do not reflect my actual credit-seeking behavior. 

The following inquiries were reported : XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX XXXX - Reported XX/XX/XXXXXXXX XXXX XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX - Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX According to the Fair Credit Reporting Act, I have the right to request the removal of any inquiries that were not authorized by me. I did not authorize these inquiries, and therefore, I request that you investigate these matters and take appropriate action to remove them from my credit report. 

Please provide me with a written response to this dispute within the time frame required by law. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Pursuant to Consumer Report received XX/XX/XXXX, my personal consumer address information is inaccurate. I have previously sent Equifax notices and supporting documentation required to correct this information to Equifax beginning in XX/XX/XXXX, however Equifax continues reporting inaccurate information without proper investigation. Please correct these inaccuracies immediately as is your obligation under the FCRA. Under the Fair Credit Reporting Act ( FCRA ) and related regulatory guidance, consumers are not required to provide their full Social Security Number ( SSN ) when updating personal information with a data furnisher. Specifically, FCRA Section 609 ( a ) ( 1 ) outlines that a consumers identification for accessing or correcting information does not necessitate disclosure of the full SSN, allowing for alternative or partial identifying details, such as the last four digits of the SSN.This approach aligns with the privacy and data security principles embedded within the FCRA, safeguarding sensitive personal information while ensuring accurate and fair reporting. Consumers have the right to verify and update their information using reasonable identification methods without compromising their privacy. Under FCRA, Equifax is required to conduct a reasonable investigation and ensure the accuracy of the information in your consumer report.
Product: Credit reporting

I have incorrect information on XXXX, Experian and XXXX reported by XXXX ( XXXX ) for the amount of {$720.00}. Submitted for collection on XX/XX/XXXX to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through XXXX, Experian and XXXX, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.
Product: Mortgage

*I purchased my home XX/XX/XXXX. 
*I re-financed my home XX/XX/XXXX with XXXX XXXX XXXX . 
*XX/XX/XXXX, I agreed to a loan modification agreement with XXXX XXXX XXXX . 
*I was told my loan will end XX/XX/XXXX. 
*I requested an amortization schedule from my loan company, Mr. Cooper XXXX 
*First request, payments were extended beyond XX/XX/XXXX. 
*I requested an explanation and a new amortization schedule since I borrowed money to pay down the principal. Request was denied.

*Mr. Cooper led me to believe they were going to assist me with a new loan modification due to an increase of payments because of higher interest rates, medical and employment issues.

*Mr. Cooper instead ran my credit and denied me any assistance causing an undue burden on me. They stated they were trying to see if I could re-finance, when I didn't ask for a refinance due to my employment issues. They were fraudulent and misleading and as a result, my credit score was lowered. 
*I think my loan is predatory because it would take 40 plus years to pay it off and I never missed a payment. 
*I would like a loan modification that is fixed and not appear as if it has a negative amortization. 
*The language in my agreement is ambiguous, misleading, and the numbers are misrepresented and contradictory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified Transunion of accounts that were opened fraudulently or opened and charged fraudulently after I closed the accounts. One account was a XXXX XXXX card that I opened and paid for years regularly on and never missed a payment. I stopped using the card and it was stolen and used fraudulently for goods and services I did not receive or benefit from. I did not know that the card was being used or that it had been charged off after I stopped using it until I check my credit report. The card had a XXXX  balance and should not have been closed as derogatory or with a {$950.00} balance. I sent a noticed copy of the FTC report highlighting the fraudulent use of this card and the fraudulent opening of a XXXX XXXX credit card that I also stopped using but did not close. It was also charged fraudulently and closed as a derogatory account with and outstanding balance. This card should have a XXXX balance and be in good standing. Transunion failed to remove the fraudulent information or take care of it per the FTC guidelines and will not remove the accounts even with the FTC report, police report and noticed copy of all my information. This is a violation of my rights and a failure on the part of Transunion to report accurate l, correct and valid information. The information it is reporting is hurting my ability to use my credit and they are clearly violating my rights. I have requested the information be corrected and deleted or reported as it was before the fraudulent activity. They have failed to do so
Product: Credit card or prepaid card

I have disputed {$94.00} charge from XXXX XXXX XXXX on my Capital One XXXX XXXX ending with XXXXCapital One is refusing to honor the dispute, even though I have provided statement from XXXX which shows that I paid the full amount corresponding to my stay in XXXX as well as a signed letter to Capital One stating the same. 

I have called Capital One three times to resolve the matter but their agents refuse to handle the dispute.
Product: Mortgage

Dates back to XX/XX/XXXX loan from XXXX XXXX XXXX improper security deed was sold to XXXX XXXX in XX/XX/XXXX then again to XXXX  XXXX XXXX XXXX filed Bankruptcy XXXX XXXX  XXXX XXXX agreed to loan modification with missed payments have statements showing no interest accruing from XX/XX/XXXX thru XX/XX/XXXX payments were to resume with lower interest and lower rate XX/XX/XXXX house fire XX/XX/XXXX attorney realized error on security deed house was free and clear XX/XX/XXXX filed case in court against insurance company and XXXX  XXXX XXXX to get funds released for Construction Company to be paid XX/XX/XXXX XXXX XXXX XXXX sold loan to Nationstar XX/XX/XXXX XXXX  XXXX XXXX   discharged loan with bankruptcy and sent {$1000.00} check for problems XX/XX/XXXX agreed to modify deed to include both parcels with agreement that NationStar was going to give us a contact to work with to get the problem straightened out. 
XX/XX/XXXX attorney contacted the person Nationstar sent information for ... we were given the information. I contacted him and was told we knew nothing about us. Our attorney contacted him again and told me to call him back. Again, he would not talk to us. 
XX/XX/XXXX we began receiving foreclosure letters. My attorney began sending letters stating that we were working with Nationstar. The attorney for Nationstar stated they were foreclosure attorneys and that is what they were going to do. 
XX/XX/XXXX the 1st foreclosure took place. 
XX/XX/XXXX received XXXX from Nationstar regarding foreclosure XX/XX/XXXX received eviction paperwork and appeared in court. This was dismissed because they had only foreclosed on the one acre and we had paperwork showing we owned the house free and clear. My attorney told us they had 30 days to file a motion. 
XX/XX/XXXX received paperwork from court that they wanted to file for reformation. 
XX/XX/XXXX after my attorney told me the courts had to do what was legal not equitable and Nationstar attorneys lied, left out a lot of information, making it appear that the loan had went directly from XXXX XXXX to Nationstar and I had not paid anything since XX/XX/XXXX ; instead of not having paid since the loan modification XX/XX/XXXX and bankruptcy charge. The reformation was allowed. The tax assessor website shows the name change to XXXX XXXX XXXX in XX/XX/XXXX. 
XX/XX/XXXX the 2nd Foreclosure took place XX/XX/XXXX I receive a cash for keys offer and my attorney now tells me 'I have never heard of this, take it and see what happens '. I have diligently been calling and emailing anyone and everyone I can think of to try and get this looked at because I don't feel like it is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit file. I wro te the BK c ourt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX ,  XXXX , Equifa x &   XXXX  they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed  3rd party, co uld easily be considered false information on my credit report.
Product: Mortgage

In XX/XX/XXXX I bough a condo and had a 1st and 2nd mortgage on it since I put down about 12 % on the house. The mortgage was acquired by Citibank from XXXX and I have always paid my mortgage on time. I later refinanced my 1st mortgage through XXXX and my 1st mortgage from Citibank was fully paid off on XX/XX/XXXX. I refinanced my mortgages again in XX/XX/XXXX and I was informed that for the 1st mortgage that was fully paid off years ago the report from XXXX showed that the current status was " PAYING UNDER PARTIAL AGREEMEN XXXX '' with a XXXX balance. I am not sure why that is since the mortgage was paid off years ago. In addition we are selling our house and looking for a new one and something like this on my XXXX credit report increases the likelihood of me getting a unfavorable mortgage rate. I kindly request some help so me and my family are not penalized for an error in the credit report.
Product: Money transfer, virtual currency, or money service

I sent a money transfer of {$10000.00} XXXX told the representative that I needed to send this amount so that I would in the end get {$10000.00}, {$25.00} fee from XXXX XXXX and a {$5.00} fee From XXXX. Upon receiving the money, the receipt from XXXX stated I received {$9900.00} XXXX took fee, which is not what XXXX arguing about, XXXX took {$30.00} As an additional fee, During the disclosure, it stated that a recipient bank XXXX charge extra and that the money received XXXX not equal the same due to foreign taxes and receiving fee, Under no circumstances did I understand That XXXX would count as a receiving bank, That was not portrayed to me at all. XXXX XXXX stated that it would take a {$25.00} fee which I understand, but they did not describe to me in detail that an intermediate bank would count as a receiving bank and charge an additional fee, If I knew this, I would have just sent the money through XXXX.
Product: Checking or savings account

On XX/XX/2025, I opened a new Citibank checking account that offered a cash bonus with Qualifying Enhanced Deposits ( XXXX deposits qualify ) From XX/XX/2025 through XX/XX/2025 I made XXXX deposits and XXXX Deposits and Withdrawals. 
On XX/XX/XXXX  I received an Email saying that my account has been blocked for your security. I called customer service and was told that Citibank no longer wants me as a customer and a letter will be sent to me in 30 to 60 days. 
On XX/XX/2025 I met with Citibank assistant manager XXXX XXXX XXXX to close my account. She called Citibank and was also told that my account was blocked, and a letter would be sent to me in 30 to 60 days. She told me that my balance was {$500.00}. 
On XX/XX/2025 I received a phone call from Citibank assistant manager XXXX XXXX XXXX to tell me that she spoke to Citibank and received permission to unblock my account and to come to her branch so she could close my account I arrived at the bank and went to a teller who told me she could handle the transaction. However, she could not close the account. XXXX tried to help by calling Citibank and was told my account was blocked and a letter will be sent to me in 30 to 60 days. 
She promised to speak to her branch manager and get back to me the next day. 
On XX/XX/XXXX  she called to tell me that Citibank would not unblock my account, and a letter will be sent to me in 30 to 60 days. 
So, I can not 1 ) Login to get my bank statement and view my transactions.

2 ) Withdraw my money.

3 ) Close my account. 
I have never been treated so poorly by a bank. 
I followed up with their customer service on XX/XX/. The rep sent me my bank statement. 
Also, I received a check on XX/XX/XXXX  for the balance in my account.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account with USAA # XXXX. On XX/XX/XXXX I opened a savings account with USAA # XXXX. On XX/XX/XXXX USAA froze both accounts without notifying me. When I called USAA told me that I had received 2 suspicious XXXX transfers that activated some algorithm which automatically froze the accounts. 
They said it was in the hands of one of their fraud investigators. The XXXX transfers were from my boss for expense money, and from a friend paying back a loan. 
I have called USAA numerous times, one the phone for over an hour each time on hold and jockeyed about between offices. I have requested that the accounts be closed, and a check mailed to me several times. 
I have asked to speak to the investigator numerous times, and the reply is they will give me a call back. I have spoken to one manager who told me she could not do anything the investigation would have to finalize. This was early in XX/XX/XXXX. 
I am a XXXX and my account frozen for fraud has been a direct defamation of character. 
In XX/XX/XXXX I missed several payments and lost service to important information. 
Here is the most salient fact " USAA is in direct breach of federal banking Laws '' illegally withholding my money from me past the statue allowed time.
Product: Credit card or prepaid card

I was making a purchase using PayPal and the misleading process led me down a rabbit hole that ended up creating a credit card with PayPal SYNC/PPC. This was completely unintentional. The credit card was opened on XX/XX/XXXX. On the same day, before making any purchases on this credit card, I immediately cancelled it with a PayPal representative on the phone who told me that it wouldn't impact my credit score in any way. My score dropped 49 points on XX/XX/XXXX once the closed account posted on my credit report. I've tried to reach out to PayPal directly with no success.
Product: Credit reporting or other personal consumer reports

n 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 
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, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint against XXXX XXXX XXXX I purchased a Vehicle from a dealership that they financed roughly XXXX of XXXX. Not Relevant but, I put XXXX down and payments where at XXXX per month. i filed bankruptcy in XX/XX/XXXX. As it was my only vehicle at the time i was able to keep the truck by Making a re-affirmation Payment of roughly {$2500.00}, again number isn't relevant. The transmission, started to fail in XX/XX/XXXX so i traded it in on another vehicle financed by Capital XXXX. Capital XXXX paid the remainder of the loan to XXXX XXXX financial in the amount of {$6500.00}. 
the dealership offered {$4500.00} for the truck leaving {$2000.00} to be added onto my new loan. 

This took place after the Re-Affirmation of the debt to XXXX XXXX as well as after my Bankruptcy was Discharged. 

XXXX XXXX however reports the Loan as included in the Bankruptcy, it should be reported as PAID IN FULL. in turn was supposed to start my credit build. Instead being reported the way it is, not only has it affected my credit and my buying power causing me to have to pay higher interest rates but it also is fraudulent. 

By reporting it as included in the Bankruptcy, this would mean the {$2500.00} for re-affirming the debt paid out of pocket, the {$2000.00} payed for the remainder of the loan to XXXX XXXX as well as the {$4500.00} given to by the dealership to me for purchasing during the trade in should have been returned to me. instead XXXX XXXX has take this money as well as the Government insured pay out for the bankruptcy and gave me the short end of the stick by not reporting it correctly. 

not only is it reported incorrectly but it also is reported separately from the Bankruptcy giving me to negative hits for the same thing that is incorrect to begin with i have disputed it multiple times through all the credit bureaus as well as XXXX XXXX them selves and they fail to comply or offer explanation.
Product: Checking or savings account

I saw an unknown charge on my checking account on XX/XX/2023. I contacted my bank ( KeyBank ) immediately. They said to wait until the transaction cleared to file a dispute. On XX/XX/2023, I filed a dispute. I was informed that KeyBank had 90 days to resolve the dispute. On XX/XX/2023, I asked for the status of the dispute since 90 days had passed and I had not received my money back ( {$2000.00} ). I was told that KeyBank had no information regarding the fraudulent charge dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX