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

Called NFCU, spoke with customer rep that acknowledged 2 return items with multiple fees on XX/XX/scrub> 2025,. He stated the return item fees were charges incurred by the Federal Reserve when there is insufficient funds in an account to cover an item. They were not fees charged by NFCU. When questioned regarding this statement he replied that was the way it had been since he began working at NFCU 3 years ago. He also they were giving their customers a break because the charge they incurred by the Federal Reserve was actually much higher.
Product: Checking or savings account

My bank account was breached and I was charged thousands of dollars in transactions overseas somewhere in XXXX and somewhere in XXXX and the bank doesnt seem to want to give me my money back or shiw me a detailed reason why theyre not refunding my stolen money or given me a list of what they investigated and where my money went.
Product: Debt collection

Dear XXXX, My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me deleted these illegal accounts from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX
Product: Credit card

I would like CFPB to continue pursuing my existing case ( Case # XXXX ) with Discover. Thank you!
Product: Credit card

Synchrony Bank Amazon-Synchrony Bank/ Synchrony Amazon/ Synchrony XXXX has placed numerous inquiries on my credit reports ( XXXX, XXXX and XXXX ) . I did not authorize and have no knowledge of these requests for my credit. These inquiries are fraudulent and should be removed from my credit reports. The dates of these inquiries are as follows : Synchrony Bank Amazon XXXX/XXXX/XXXX Synchrony XXXX XXXX XXXX XXXX/XXXX/XXXX Synchrony Bank XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX In XXXX XXXX alone, requests for my credit were done XXXX times of which I was told is an indicator of identity theft. I have not recieved any correspondence from Synchrony Bank in the form of denial or approval letters. These requests for my credit were not authorized by me.
Product: Credit reporting or other personal consumer reports

This is my multiplt request ... .I 'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX Ct XXXX XXXX, Ca XXXX XXXX XXXX Ct XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX Balance XXXX : {$240.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX  XXXX XXXX XXXX : {$2500.00} XXXX ( XXXX XXXX Services ) XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Owed : {$970.00} XXXXXXXX XXXX XXXX Balance Owed : {$13000.00} - late open XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXX Owed : {$6100.00} XXXX XXXX XXXX Owed : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$2500.00} XXXXXXXX XXXX XXXX Balance : {$330.00}
Product: Vehicle loan or lease

The XXXX ( XXXX ) XXXX XXXX was giving me mechanical issues several times throughout the duration of usage. Causing financial distress and hardship. I am totally XXXX, and could not afford to pay for loan and repairs due to a lemon. The automobile has been in the repair shop since XX/XX/XXXX. Its been out of service several times and I have been having difficulties getting to my Doctors appointments, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes and an FTC report for a fraudulent credit card account and hard inquiries reporting to my credit. They have not been deleted. 

Account : Transunion - XXXX XXXX  {$2300.00} XXXX - XXXX Card {$2300.00} XXXX - XXXX XXXX  {$2300.00} Inquiries : Transunion - XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I went to XXXX to get a payday advance and was told that I already had XXXX. They gave me a phone number, XXXX, XXXX XXXX which I called and they told me someone took out a loan under my name at Advance America on XX/XX/year> and that I needed to file a complaint. I did not take that loan out.
Product: Credit card

I am trying to enroll in online banking at wellsfargo.com.

It is key to managing credit balances and monitoring fraud and making payments.

I have called 3 times to get enrolled since I was getting a vague error message and directed to call a help line. First call over 30 minutes and they submitted a ticket to fix the issue. I called again on XXXX and was hung up on. Called back and spoke with a supervisor on XXXX to resolve the issue. The supervisor told me I need to go to the branch to show ID to get my phone " Authorized. '' When I asked him if this would 100 % guarantee a fix he started backtracking. 
The reason I am having this problem is because it is banking practice to merge decades old data from closed accounts with new accounts. My account was populated with outdated and insecure/wrong information leaving my account open to hackers and social engineering attacks.

I can use the credit card, I can receive text message from Wells Fargo.. I even activated the card with a QR code with the phone in question. But they won't allow me access to the most important tool to monitor and pay my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX ( duplicate account, two trade lines ), XXXX   XXXX XXXX , XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : Unauthorized Accounts XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiries XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Product: Credit card or prepaid card

Chase closed my XXXX business visa credit card without any reason I had the card over 2 years and paided them ontime never late
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband died XX/XX/2022. I was mistakenly reported as deceased, apparently when my husband was appropriately reported deceased on XX/XX/2022 by XXXX XXXX XXXX. I was not aware until contacted by Transunion that my credit application was denied due to my being deceased. I have communicated with XXXX XXXX XXXX, as well as TransUnion and XXXX. 

I am attempting to further establish/augment credit in my own name. I have been denied credit cards by XXXX, denied continuation of our XXXX XXXX cards, and bXXXX XXXX XXXXXXXX XXXX. My XXXX score today is XXXX, but assume adversely affected when applications have been denied. I have understood these declinations remain part of my report for 25 months. 

Thank you. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to make it crystal clear that I am not responsible for the debt with Midland Credit Management. I have no contract with them, and despite my request, they have failed to provide me with the original contract. Therefore, I can not be held liable for any debt associated with Midland Credit Management. 

{$670.00} Opened XXXX XXXX, XXXX ( 1 yr, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info
Product: Credit card

I am requesting that accounts shown on my credit report be deleted immediately as my data was breached.
Product: Debt collection

This company garnished my wages without proving that is was my debt. They also garnished my wages before any court date provided. They where sending notices to an incorrect address that was listed on the court documents. Did not receive notice of right to dispute. I have no knowledge of this account.
Product: Checking or savings account

My ex girlfriend had a bank with Bank of America her name is XXXX XXXX. She had a checking account in the early months of 2021 she had my XXXX  sent to her account without my permission it was around XXXX. The bank did Flagg and freeze her account due to the checks not in her name. They told me to file a police report and they would release funds back to me. Its been over XXXX  years now and I still can not get the bank to release the funds to me or to even send the money back to XXXX  and let them send me a new check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company dont want remove account in my credit report.I was a victim of fraud, I was in prison from XXXX to XXXX and the creditors do not want to eliminate accounts on my credit report, they do not want to comply with the law. accounts that I never applied and do not belong to me.
Product: Mortgage

Hello, I am writing to complain about my mortgage that was being serviced by Ditech Mortgage and then sold to XXXX  XXXX XXXX. My mortgage was sold in XXXX by Ditech. My payments were being auto paid to ditech. at the time of the sale, I was not aware my mortgage was sold. My bank account was continuing to be debited for payments on the XXXX of every month. In XXXX I received phone calls from XXXX XXXX XXXX stating that my mortgage was past due and they were going to start foreclosure. I called ditech and they confirmed that they sold my loan to XXXX XXXX XXXX. They also confirmed that they had received my payments each month, and that they had not forwarded the payments to XXXX XXXX XXXX, but they would do so. Fast forward to today, I got another call from XXXX XXXX XXXX saying that I was still past due. I called ditech and they told me that it is their policy to make the first two payments, and then they forward any future payments back to the customer. They said they forwarded my XXXX and XXXX payments, but not XXXX, XXXX or XXXX because they sent them back to me. I said I hadn't received anything and they said that they had not sent them yet, but they would go out by the 2nd week of XXXX. They should have told me this rather than telling me they would forward all of the payments. Also, they shouldn't be allowed to hold my cash that long ... So, in this situation, I have continued to make my payments. The servicer has been happy to take my money, but since they didn't forward the payments, I am getting charged for late fees, and my credit is probably affected negatively. Even though I have done nothing but try and make my payment. I also want to complain about mortgages being sold. I own a couple of homes with multiple mortgages. I would say my mortgages have been bought and sold 20 times over the last 7 years. It is such an inconvenience to go through so much trouble every time a mortgage is bought or sold. Calling in to these banks and waiting on hold and then getting disconnected and then having to call back in is pretty standard. There should be a limit to the number of times a mortgage can be sold, or the customer should be able to opt out of their loan being sold, or the servicer should have to compensate the borrower for selling them and taking our time. Part of the problem is that they are relying on regular mail to notify me that my loan has been sold. I had no idea my mortgage was sold. I can't rely on regular mail in my line of work if I am notifying someone. I can't rely on regular mail if I am evicting a tenant and need to give them notice. I get 100 pieces of mail from XXXX XXXX XXXX. I just assume it is junk and throw it out. How would I ever see their welcome letter? The servicers should need to notify us our mortgage has been sold by registered mail. Or call me and actually speak to me, but regular mail is the least effective way to communicate. Why is it ok to use it when dealing with people 's biggest asset? Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX, Florida XX/XX/XXXX I would like to file some complaints against Experian Credit Bureau. 
1. On XX/XX/XXXX, Experian got from a request from me for there method of verification as it pertains to a XXXX XXXXXXXX XXXX account listed on my credit report. The account number for that account is XXXX. Its been more than 5months since that request was made and I have not gotten that Method of Verification. All I have gotten from Experian are letters stating that the account is reporting accurately on my credit report, and they will not investigate the matter further and this is a clear violation of my rights under the Fair Credit Reporting Act. The law states that I have a right to request this information and if the Credit Bureau is unable to provide this information, then the account should be deleted from the credit report. I am currently speaking to a lawyer about this. 
2. On the XXXX XXXXXXXX XXXX account listed on my credit report it says that the address associated with this account has an INDENTIFICATION NUMBER AND THAT NUMBER IS XXXX. Now there is no such address listed on my credit report with such an identification number. My address is XXXX XXXX XXXX XXXX, XXXX Florida XXXX and this address has a different identification number. So, who is that address and identification number associated with as its not associated with me, and that address with that identification is not listed on my credit report. 
3. 
On my Experian Credit Report, it says that the account was paid in full with a zero-dollar balance and that the last payment was received XX/XX/XXXX. So, if the account was paid in full on the XX/XX/XXXX as according to the credit report and the account was in good standing in XX/XX/XXXX then how can it be that Experian is reporting that the account went into a charged off status in XX/XX/XXXX. There is incorrect account and payment information. There is also missing payment and account information and this makes the credit incomplete and if a credit report IS INCOMPLTE, THEN THE FAIR CREDIT ACT SAYS THAT IT SHOULD BE DELETED. This is the account that Experian says that is reporting accurately on my credit report and this is totally false. 
4. Based of Experian erroneous reporting of this matter on my credit report has prevented me from getting funding to getting my business off the ground. I have been disputing this account for months now showing the various inaccuracies as it pertains to this account reporting on my credit report. I am tired of filing disputes with Experian, and they never take me seriously. So, if they continue to claim that this account is reporting accurately on my credit report and or fail to provide me with proof that I am responsible for this account then I will ask my lawyer to proceed to take action against Experian as I am sick
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX  Equifax, XXXX  )  and the Creditors ( US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXk XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 i submitted a dispute to Transunion for XXXX XXXX XXXX  in which i have no idea where this account originated from. I also mailed XXXX  XXXX on XX/XX/2018 to validate this said account. I never received any response from either and followed up on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have yet to received any correspondence in regards to this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  wanting to report a fraudulent account on my credit after I was compromised in the security breach to Experian and it remains on my credit report
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

For years I have made numerous attempts to get Dept of EducationXXXX Navient to rectify the inaccurate information reporting to all XXXX credit bureaus pertaining to late payments on my students loans. Loan # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX are all reporting as late for XXXX XXXX and XXXX XXXX. I previously spoken with representatives, supervisors and disputed with the credit agencies to which all resulted in findings stating the late payments were accurate. 

I finally was able to validate my accounts with a representative XXXX on XXXX/XXXX/XXXX at XXXX XXXX EST, employee code XXXX which she confirmed all of my loans were in a voluntary forbearance. From XXXX loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX were in a voluntary forbearance and from XXXX loans XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX were as well. At no time were my student loans in a negative payment status for the time reporting on my credit report. 

I am requesting that you review my credit report, voluntary forbearance status and delete the negative payment history, which has been reporting negatively for years. The inaccurate information report to the credit bureaus XXXX and XXXX has negatively impacted not only my credit but also my life. 
I have made multiple attempts to have you resolve these issues and have been forced to file a complaint with the Consumer Financial Protections Bureau. 

I am asking since these loans have been consolidated that these accounts either be updated to reflect no negative payment history or they be removed from my credit report in its entirety.