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

As I write this I am in tears since being victimized by IDENTITY THEFT in XX/XX/XXXX and the credit reporting agencies failing over and over and over to remove fraudulent attempts to apply for credit because XXXX  breached my identity and they now have my : DOB SSN Current Address All three of the credit reporting agencies were sent VIA FIRST CLASS MAIL a request for 7 yr fraud alert along with copies of the XXXX Police Report filed after my identity was stolen. To date, none of them have put this 7 year fraud alert, and when the 90 day alerts expire, that is when the flood of fraudulent applications appear again as hard inquiries, which continue to plummet by FICO score and I have had to spend hours and hours with the creditors to tell them I did NOT apply for credit, or I have to cancel credit cards that have been used online fraudulently. I have gotten to the point where I have chosen to cancel credit cards because the banks that represent them have failed to secure my identity, and continue to let applications through even though their are security freezes and fraud alerts on all 3 credit reporting agencies. 


I had an average credit score of over 800 prior to XXXX ruining my score which has plummeted 25 points and higher because they REFUSE to remove the hard inquiries. 

I have screamed at XXXX and they said that they are EXPERIAN inquiries, and you have to contact them,, over 120 days ago I did just that after being flooded with letters from creditors saying they turned down my credit because of too many inquiries and applications for credit that I DID NOT do. 

prior to EXPERIAN being notified I was told I could put a security freeze, which I do have in place BUT they still have refused to remove the hard inquiries and now my FICO score has dropped 25-40 points since XX/XX/XXXX 

Now I am considering legal action by going to XXXX XXXX XXXX  reporters to help me get them to do their jobs and when the Trump Administration 's XXXX, your new Director dropped the complaints and investigation with CFPB on XXXX data breach and I am livid about that. 

I can't get any credit because after months the hard inquiries are still on my report. Experian told me they would do an investigation and remove them! They've done nothing expect ruin my life since I have to field weekly calls, letters, and emails stating I am applying for credit and is this fraud? 


that 8 hard inquiries were fraudulent and I provided a POLICE REPORT, I provided correspondence to make the 90 day fraud alert, permanent for 7 years
Product: Credit card

Bank of America offers horrible service. Ive banked with Bank of America for a long time. Things were not as bad in the past. The problems began when I requested a second ( Travel ) credit card from Bank of America. First, I never received an incentive I was promised for getting the card. Second, my automatic payments stopped working on both cards and I was being charged fees that I had to get waived on several occasions. After countless phone calls and customer service representatives telling me that everything was resolved, Bank of America is literally stealing my money by charging my checking account twice on the same date ( XX/XX/2024 ) and for the same amount ( XXXX ). Again, long waits, phone menu loops, time on the phone to resolve it. The last XXXX assured me that everything was resolved and that I would not have any problems. Since my phone calls I never got a refund for the second charge of XXXX, my account got charged twice again on XX/XX/2024 for XXXX and my credit card stopped working. Besides horrible customer service, these unauthorized charges ( theft of my money ) would have been successful if I had not discovered this problem and spent an enormous amount of time trying to correct the problem Bank of America should be responsible for. I would no longer recommend banking services offered by Bank of America due to the quality of services they offer.
Product: Mortgage

On XX/XX/XXXX a company employee was attempting to fix an issue that had been outstanding for six months. While she was ultimately successful in resolving that issue, another issue was created. In the fall of XXXX money intended for the escrow account was paid toward the principal. When they were finally able to refund us the money, whatever they did internally showed our XX/XX/XXXX payment as late even though they show it was received on XX/XX/XXXX. So, even though that has not been reported to a credit bureau, someone reviewing the file in the future may think we made a late payment when in fact Caliber only applied it late. We want our file to reflect that not only was the XX/XX/XXXX made on XX/XX/XXXX, but that it was applied to our account on time. 

What Caliber has done is report an increase in our balance to the the credit bureaus. So, they erroneously applied an escrow payment to our principal, then we they return it to us report that our loan balance has gone up! My credit score dropped 14 points due to this reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Dispute Report, with Equifax,2 weeks ago, and from my understanding, it can take up, to 30 days, for the dispute to be completed. Because it was some Inquiries, that was placed on my credit report, that was done unauthorized by 2 dealerships. I mailed the letters off to Equifax on a XX/XX/2018, and the very next week, i received a letter from Equifax, stating that Dispute has been completed, and i was like, it has only been a week.I contacted some of the Creditors and I talked to some of them, also upon my Knowledge, Equifax, never reach out to none of them, in regards to this matter. I felt, like this is inappropriate behavior, in regards to this matter. I have been having ongoing problems, with Equifax and my credit report. 

Also, I have contacted Equifax, numerous time, to have my Phone Number added, to my credit report, and as of today, it has not occurred, when i try to do things with my credit card company, i can not be verified, because my telephone number is not acculturate with Equifax, and i have called them, on numerous time, in pertain, to this matter.
Product: Debt collection

On XX/XX/XXXX I received a letter from " The Law Offices of Mitchell D Bluhm & Associates,, LLC Attorneys at Law '' based out of XXXX, Texas requesting I pay a past debt dating back to XX/XX/XXXX. They informed they were debt collectors when I called and that they were seeking {$3900.00} for medical services rendered at XXXX XXXX XXXX XXXX. Upon further research, the medical facilities seem to reside in Illinois, and I currently reside in the state of Colorado. I have not been a doctor in the past 4 years, let alone one within the the state of Illinois. I informed them that it was not me to which they requested I file a police report. In order, I reached out to the XXXX Police Department in Colorado who then directed me to The XXXX Police Department. They then transferred me to the District Attorneys office who explained that I needed to reach out to the FTC and file a report through them. Finally I was directed to the CFPB where I am now trying to figure this out. My father is Head of Investigations for the XXXX County Sheriffs Department and said he will help me file a legit report if I keep getting redirected so I hope this helps. Thank you.
Product: Debt collection

I call this debt collection company under the name JHPDE FINANCE I , LLC due the fact they appear on my credit report agencies. For my big sorprise their representative told me she could not locate this account in their system, I gave her my Name, SSN and even the account number that appear on the credit reports. 

I ask her how is this possible and how is posible that if my name is not in their system they report this to the credit report agencies??? ... AND SHE TOLD ME ' '' " OOHH IS DUE THE FACT YOUR ACCOUNT DID NOT REFLECT ON OWER SYSTEM YET, ONCE THE ACCOUNT IS REFLECTED WE CAN GIVE YOU MORE INFORMATION ..... 

SO HOW IS MY INFO IS NOT YET REFLECTED THEY COULD REPORT THIS TO THE CREDIT AGENCIES, AND HOW THE CREDIT REPORT AGENCIES COULD VERIFY THIS ACCOUNT AS MINE??
Product: Student loan

Mohela is my servicer and I have had multiple issues with them with little to no responses. For example a message I sent on XX/XX/XXXX was just responded to today XX/XX/XXXX ... and it did not fully answer my inquiry. Very difficult to get in touch with them by phone also, I do not have time to sit on hold for several hours ... as I have tried in the past. I have not gotten the info requested about the forbearance that I was on- I wanted to make sure that I would still be eligible for PSLF payment counts. I had them remove the forbearance to be safe ... after repeated messages to them they did remove the forbearance, messages which say a 2-3 day response time, are being responded to over 6 weeks later. I also have had wrong payment amounts for the SAVE plan- I was automatically switched to a slightly lower payment of approx {$750.00}. When I ran the numbers, the payment should be between {$400.00} and {$500.00}. I redid the SAVE application and payment was lowered to approx {$610.00}. 
Another issue is that I had no notification of the original payment being due, I happened to see it in my online account. The payment was approx {$750.00} and I made the payment on XX/XX/XXXX for {$750.00}. I then noticed when I signed in on XX/XX/XXXX that they said I was past due in the amount of {$17.00} ... .so I made that payment on XX/XX/XXXX. I then saw that I continued to be past due XXXX on XX/XX/XXXX after paying above the minimum payment due. I contacted them on XX/XX/XXXX and still have not gotten a response to my inquiry. 
I am also a member of the XXXX XXXXXXXX XXXX XXXX and have been unable to get ANY info from Mohela or Dept of Ed about the status or the amount that will be forgiven/refunded. I do not trust Mohela in this. I am also concerned because they are moving to a new platform... I feel this will cause more issues and also allow them to " have a new excuse '' for their ineptness. 
The interest rate shown on my payment info is the highest rate out of all of my loans and I am concerned they are charging that across all of my loans. Numbers don't seem to be adding up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking for all of these inquiries to be removed from my credit report because they were not made by me nor did I give any of these companies pemrission to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received USPS change of address verification letter on XX/XX/2022. Contacted USPS and advised change was not requested and to cancel change of address. On XXXX XXXX received a credit card in the mail from XXXX XXXX Bank and a letter from same dated XX/XX/2022 about my application/request for the card. I did not make this request or application. On XX/XX/2022 received a credit card from XXXX XXXX that stated I had requested it. I did not apply or request this card. On XX/XX/2022 I called both companies and reported them as not requested and cancelled them. On XX/XX/2022 I ran my 3 credit reports. There was a different credit card that was opened XX/XX/2022 that I know nothing about. XXXX and Transunion both had XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX as an address for me that is not mine as I have lived in Colorado my entire life. 
XXXX asked us to file this report and upload it to them.
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 XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a 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: Prepaid card

The gift card I bought was already used up so there was no money/balance on the gift card and American Express is refusing to help ( it is an American Express gift card ).
Product: Debt collection

I received an invoice from XXXX XXXX , XXXX saying I owed {$210.00} for an unpaid balance to XXXX XXXX. They did not say the date of the bill or what it was for, just the company. They immediately offered to drop the amount to {$150.00} if I called or paid it within 30 days of the invoice. I've been receiving a ton of calls recently as well that I have not answered because I didn't know the number. 

After receiving this invoice, I immediately thought it to be a scam as I have not had a XXXX  bill in I don't know how long. Actually it could be over 10 years and it was for cable. I also know that everything has been paid and I owe nothing. So I did some research online and it looks like they try to collect on things that aren't even owed. I called to let them know I didn't have bill. 

When the lady answered she immediately asked if this was, ( said my name ). I said " This is she. '' And then she said the reason I'm calling is because of a debt you are owed. This conversation is being recorded for collection purposes. I said, first of all, I called you. You didn't call me and I don't owe anything to this company. How did you get my name and this " supposed '' debt amount. She then asked for my social security number. I refused and said I don't give that out. She said I owed a bill and they are trying to collect and again asked for my social so they could verify the information and tell me what exactly it was for. I again said no. Then I said they should remove my name and number from their calling list and not to call again or I would notify the police. She then hung up on me. 

So far nothing has shown up on my credit report. Hopefully nothing will or I will be furious.
Product: Student loan

My issues with Sallie Mae are two-fold. The first is that I defaulted and they harassed me constantly, calling up to 10 times per day from multiple numbers. They also called my family members multiple times trying to reach me, using contacts I never provided them. Some of the calls are actual people, some are robo-dialed. 

My second issue is regarding their customer service. There is NO WAY to contact these people via chat or email. I assume this is so it 's harder for you to keep a record of communication, making it easier for them to continue shady business practices. As someone with very XXXX that has a lot of issues with telephone communication, it 's basically impossible for me to deal with them. I even completed their customer service form stating this and guess what? They called me anyway. I do n't think they even read them.
Product: Mortgage

Due to loss of income, in XXXX, we tried to work with Wells Fargo seeking for a loan modification assistance. After numerous months working and providing all documents requested by XXXX representative, we were denied of any assistance. We were informed to sell our main home or face with foreclosure. We ended up with short selling our home and moved out in XXXX.
Product: Debt collection

Affirm INC is a wrong company in my credit report that i dont recognize as mineI formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I tried to update and correct information on my Credit Report through XXXX, XXXX XXXX, and Equifax. Each attempt to update utilizing their online features were meet with errors and the inability to have my requests processed. I attempted to contact XXXX  by phone as their website stated the operating hours only to be greeted with an automated message that it closed 3 hours earlier than displaying the website. I attempted to provide documents via web upload and also to access my account on Equifax but the online access is not available. I am notifying you of the incidents as the Credit Reporting Agencies are making contacting and updating my personal information impossible. These agencies are not allowing for ease of use or contact and have created a severe obstacle when trying to even make contact with them. This way of conducting business with an individuals personal financial information and the long term affect they can impose on a person are disturbing and need to be corrected immediately. I am asking for assistance and would request your agency inquire into the practices that are currently in place that are keeping individuals from accessing and updating their personal financial history and information. If a company is presenting an online access but at each attempt states they are unavailable to process then the access is not offered they are simply presenting a fraudulent offering of service. Please do something to hold these business accountable for access and current information as well as granting ease of access to an individuals personal information for update and inquire. Thank you,
Product: Mortgage

I have verbally requested Santander Mortgage Servicing to update my mailing address for my 2 mortgages I have with them. I previously updated Santander 's 'banking side ' verbally and this was not an issue. However I was told by Santander Mortgage Servicing that they were required " by law '' to get my request to update my mortgage mailing address in writing. To the best of my knowledge that is a lie, there is/are no Federal or State laws which require such a request in writing, as a matter of fact if anything its just the opposite, Santander Mortgage Servicing has a fiduciary responsibility to update my mailing address as quickly as possible, something they are refusing to do without a signed written request. There is no need for that as it only further exacerbates the fact my personal financial information has been being mailed to the incorrect address for the past six-months. 

My mailing address is ( and needs to be updated on both mortgages to ) : XXXX XXXX XXXX  XXXX XXXX, FL XXXX That's all that needs to be done, and Santander is  refusing to do so without a signed written authorization, and providing false, misleading and/or blatantly incorrect information as to why. 

Sincerely, XXXX XXXX
Product: Credit card

My complaint is against Target Redcard credit card. I recently received a letter from them that they have lowered my credit limit because I was not paying it off fast enough and have balances on other cards, even though I make my payments on time every month. For months, they kept upping my credit limit, which I never asked for and as a result of this, there were hard inquiries on my credit rating from them which hurt my credit scores and now they want to lower my limit after they are part of the reason my credit scores have gone down? I find this unfair. I never asked for them to keep upping my limit and was not aware that their inquiries were hurting my credit. I plan to pay off this credit card and never use it again. I feel that they contributed to my credit score being lowered by these inquiries. There are also many other complaints about this card online and believe they should be looked into for this.
Product: Checking or savings account

On XX/XX/2023 I tried to send wire transfer of $ XXXX into my other personal investment bank, I got locked out of bank the following day which I was told my account is being process to close for irregular activity. I got a letter dated XX/XX/2023 that it gon na takes between 15 business days before the closing process can be complete and they gon mail me a cashiers check for the remaining balance. Today which is XXXX they still havent mail me a check yet. I saw a lot of people with same issue on XXXX, XXXX and XXXX claiming same issue and they got no check for their remaining balance.
Product: Debt collection

I XXXX XXXX have a collection placed on my credit report with Hunter Warfield Inc a debt collection agency located in XXXX FL. I have never opened an account with this corporation and they have failed to provide me with the proof of debt. It was placed on my credit report on XX/XX/XXXX for the amount of {$2400.00}. I have been hindered in opening credit lines in purchasing a new vehicle because of this negative information reporting on my credit report. I am including tracking numbers that proves Hunter Warfield Inc has received my dispute via USPS. # XXXX this letter was delivered to Hunter Warfield Inc on  XX/XX/XXXX. It has been more than 30 days and they have failed to respond. I am demanding this account be removed due to lack of validity.