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

I have made many cfpb complaints concerning Experian reporting of my name! My name is hyphenated and someone is intentionally manipulating info from tax documents to 1098. It seems again someone is changing my information on documents and possibly loans that were mine in order to attach loans that are not mine in the name of XXXX. I recommend you document this- it might get closed/ deleted and attachments deleted like the pertinent complaints that after 3 months of being on file was deleted. Other things occurring in my apt and car.. Items are being stolen from my possession of w2s old tax documents etcold jobs - evidence of fake and real -its crazy that people are allowed to do this! Experian once said all accounts were submitting XXXX but that wasnt true at the time- I am concerned that someone has taken loans out in name of XXXX XXXX 100 % verified my loans are in my hyphenated name! Why would they ( those behind changing my name in other places ) go through this to prove a point thats false - because it is a way of doing business and more people will suffer until this is exposed! I cant even risk saying what I want about why Experian continues to report my name wrong then right, then Im blocked- then report it wrong again! Follow up doesnt happen /! its like a scam is going on in dept of Ed/servicers and Experian. Loans were removed and put back on -! I believe they redid the loans I did take out and went through my accounts, schools, changing things to XXXX - Whats happening is illegal- so many are acting as if the are above the law! XXXX was compromised and used to change Experian info - I didnt do some of these and it seems disputes were reopened and activity kept happening with out me involved- so much control and I would love to be able to have a fair chance to defend my name instead - someone is determining and changing my name without legal presidence? 
in XX/XX/2022 it seems XXXX added accounts XXXX XXXX back on that were already on.. there are so many things that lead me to believe what Im saying- mainly changes and theft of documents finding two of same thing in diff names!
Product: Checking or savings account

On XXXX XXXX my accounts with Wells Fargo were hacked. I suspect that it was an inside job as I received three phone calls from the Wells Fargo customer service number. The person that called me had all my personal banking information what debit card was linked to what account also my ATM PIN number I did not provide the information they had it all, including to text messages from Wells Fargo. My atm cards were in my possession and not even my husband of 26 years had my atm PIN number. I filed a complaint immediately with Wells Fargo the denied my claim accusing me of robbing myself or giving my PIN number to clean out the accounts. I have kept reopening these claims and I filed a police report, but with all the hacking going on with customers of Wells Fargo they refuse to pay me my money and overdraft charges incurred by this fraud. Besides they have accused of being a thief and committing fraud this constitutes defamation of character. Something has to be done with the fraud constantly committed to Wells Fargo customers. Ive had to borrow money to cover my bills that were set up as Ach debits. The most important evidence is that the person that took out my money is seen in the atm camera and it was an XXXX American male, nothing to do with me.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I tried to transfer {$100.00} to my cash app account but it was declined on XX/XX/XXXX. I then proceeded to try to send money that was also declined on XX/XX/XXXX. Nothing was took from my bank account few days later XX/XX/XXXX {$100.00} was took from my account by cash app. I contacted support and they said the money would be sent back to my account I never received it. I then sent my boyfriend {$100.00} but he refunded it on XX/XX/XXXX and I had {$100.00} in my cash app account. On XX/XX/XXXX cash app took {$100.00} from my account claiming that it was took because my bank couldnt cover the funds but I never transferred any funds nor did I authorize a refund to anyone. I feel as if cash app stole my money twice in a row. My money was took twice and never returned to my account and it was supposed to be refunded but it never did. I hope this is an eye opener to many people that you should stop using cash app
Product: Debt collection

His always blowing up my cell phone if I do n't answers they call my work number or sometimes my reference and they send over employment verification as well.
Product: Mortgage

To Whom This May Concern ; XX/XX/XXXX I am confused on the situation all this information this company and attorneys have documented is false, accept that we have not made a payment to Planet Home Lending, the company that bought the mortgage illegally, since XX/XX/XXXX since nothing that has happened is legitimate. We were not up to date on our payments in XXXX through XXXX, due to XXXX not accepting payments at that time. XXXX did, however, accept one last payment in XX/XX/XXXX. The payments sent before this monthly were refunded and refused, so when this mortgage was sold under false pretenses. I am sending along all the documents and the new ones from the present attorney trying to foreclose on our house, when none of the actions and activities leading to this has been within the law how can this happen. I have asked for answers from this company with no received none. I have more paper work I would like to send for more info, but I could fax it would be quicker. I have the current documents from Planet home lending 's current attorney and it is not correct. 
Thank you for your time,
Product: Checking or savings account

I deposited a check via mobile on XX/XX/2019 in the amount of {$1.00}, XXXX. The check was from a XXXX personal checking account. Despite the fact the check cleared through XXXX on the XXXX, Bank of America put a hold on the check until XX/XX/XXXX. I received the check from a friend, I have a recorded conversation with my friend and XXXX XXXX, wherein XXXX assured that the money was sent to Bank of America on the XXXX. 

Furthermore, I have a copy of the cleared check from my friend. Bank of America does have my money and despite talking to numerous " so-called '' managers, wherein I recorded each conversation, to name a few : " XXXX XXXX '' Financial Center Manager, XXXX, IN who stated he would get my money release. I met with " XXXX XXXX '' in person also and he saw the proof from XXXX that I provided that the check did clear from XXXX. " XXXX XXXX '', Supervisor, also stated she would get my money released I have a recorded conversation, however all to no avail! 

Bank of America has received the money from XXXX XXXX, I have proof and they are holding my money for no reason! This should be unlawful!
Product: Money transfer, virtual currency, or money service

Fifth third bank customer service said XXXX XXXX refund XXXX, XXXX  times. Then she said what type of service is XXXX XXXX. I tried to get super visor to speak with, Customer service hung up on me. I did ask what was the phone number association for refund transaction she refused to say.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 553 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

On XX/XX/XXXX my son received a Vanilla gift card in the amount of {$500.00} for his high school graduation. He also received another one in the amount of {$250.00}. He did not open the cards right away as he was saving them for a special occasion. In XXXX of XXXX he tried to use the cards and they were declined. After getting on the Vanilla gift card website and checking the balance and looking at the transactions, he realized the card had been compromised. that same day I reached out to Vanilla gift card making them aware of the scam activity and they told me to file a dispute, which I did. I was told the process would take a maximum of 60 days and have been told several different dates I would receive a replacement card in the mail. I just got off the phone with them again and now they are saying the case has been closed and I never received the stolen money back. 

The first XXXXXXXX XXXX XXXX case # XXXX The second case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to TransUnion to check my credit report for accuracy and to verify each account and if it can't be properly verified and my credit report isn't accurate, then to delete each account from my credit profile. I sent this dispute letter on XXXX to reinvestigate each account by XXXX certified mail under tracking number ( XXXX XXXX XXXX XXXX XXXX ). It's been more than XXXX days has passed and still no response from the bureau. I then sent another letter to TransUnion to delete each account from my credit report due to the bureau not being able to verify the accounts in XXXX days. This letter was sent by XXXX certified mail under tracking number ( XXXX XXXX XXXX XXXX XXXX ). After I sent the letter I called TransUnion and they still didn't remove items which is a violation. According to 15 U.S. Code Sec. 1681i. Procedure in case of disputed accuracy. They didn't send any letter or inform me of them conducting an investigation by mail to my current address. Also 15 U.S.Code 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I'm attaching a copy of both letters I sent to the credit bureau and my state ID and proof of address, which was also sent to the bureau along with the letters. Below is the accounts that was in my letter to be verified and check for accuracy, which the bureau didn't. 
Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Number : XXXX
Product: Checking or savings account

I contacted Early Warning I disputed it and sent them my bank statement that XXXX XXXX help me to download to show my account is active and i didn't overdraft. I contacted XXXX XXXX XXXX  which i still have now. Early Warning is stated the information is accurate and I owe monies and I don't.
Product: Credit reporting or other personal consumer reports

The creditor has this account listed as a write off on my credit file and they failed to send me a 1099-C for at the time of charge off, and is still reporting this item to my credit file. According to 60415 USC-1681b Income can not be reported to a consumers credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB complaint requesting that the Crediet Bureaus remove the disputed fraudulent items removed from my Creditt Report. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bankruptcy XXXX # : XXXX Liability : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX account that was opened XX/XX/XXXX. The account was closed XX/XX/XXXX. Because I never made payments on the account, I had a judgement against me. The judgement was satisfied after I made my final payment. XXXX XXXX, a representative from XXXX XXXX was over-seeing the account. After making my final payment in XX/XX/XXXX, he said that the information would be sent in the credit bureaus to update my report. I've been contacting Mr. XXXX since early this year ( XXXX ) to help with the corrections. Mr. XXXX then told me he didn't have any control of what would be updated with the bureaus. I contacted the 3 bureaus and they told me to contact XXXX  XXXX. I contacted XXXX   XXXX and they told me that they couldn't do anything about it. I've been experiencing the run arounds since XXXX of this year. I've contacted the Minnesota Attorney general 's office as well. I have yet to find help with this issue. The status on my credit report is not showing paid as it should be. It also shows that I still have a balance. I've written multiple letters to all 3 bureaus and nothing ever happened ( No response ). I've had the status to change on other items on my credit report accurately this year, but nothing has been done with the XXXX XXXX account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I was searching for personal loans on line. I looked at what Regional Finance had to offer. As I was looking on line, I get a call from the company. I told Regional Finance I was looking to borrow {$1500.00}. The Lady ( XXXX or XXXX  I think ) took my information and ask some general questions like how long l have been my Job, what kind of of car I own/mileage, own or rent home etc ... .I gave permission for them to run my credit. I got asked abt a charge-off that happened abt XXXX ago ( my credit has improved since then ). The next day I get a XXXX from XXXX or XXXX saying I was approved for {$2100.00}. I said did not need the funds like I thought at that time. I was then told they hold the offer for 30-days. The next day I called to find of the offer still stands and was told the Manager/Supervisor has decided to deny my application and that I will get paperwork in the mail explaining why. I asked to speak to the Supervisor/Manager, I was told that person was busy. I also want to add I am a person XXXX XXXXXXXX and you may or whatever agency want check into how many loans they give to people in certain demographics to make sure they are discriminating against any protected class.. The business phone # XXXX. XXXX XXXX. XXXX. XXXX, XXXX
Product: Credit reporting

The item XXXX, Account number XXXX classified as an individual, utility company account was opened on XXXX/XXXX/2015 and maintained in good faith to be paid in full, every charge which was relayed to the XXXX residence. The date of delinquency first reported was XXXX. This is the same date as the final payment which was provided immediately upon notification of a delinquency in the amount of {$97.00}. The item XXXX is delinquent because, I changed the address on file from XXXX Address to Second Address to which they failed to send notification of an outstanding balance. We received no correspondence indicating an outstanding balance before it was sent to a collection agency and reported to you. Upon notification from the collection agency of an outstanding balance to our new residence we paid the balance IMMEDIATELY in full, which was to include a late charge. Because of this administrative failure by the XXXX Company my family has a now tarnished perfect credit report history, which is to say we have never missed a payment of any kind. I request an investigation to be performed to include any position which might dispute my claim. I attempted to contact the XXXX management to view my previous account and was told that this function was not possible. I also tried to verify phone transcripts and was told this was also not possible. If no proof can be found which invalidates my claim OR if my since closed account payment transcripts are not available I respectfully request that pursuant under the Annotated Code of Maryland XXXX XXXX, et seq and under Common Law basis XXXX my credit report is updated by the item XXXX being removed from a delinquent position to accurately reflect this truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account listed as XXXX XXXX in the amount of {$3500.00} is appearing on my most recent Transunion credit report. In fact this account was previously reported by the same collection company using the abbreviation XXXX, this was disputed directly through the XXXX XXXX website and was deleted by TransUnion on or about X/X/2017, per XXXX XXXX.
Product: Mortgage

I just bought my first home. I made it very clear to the lender that I was not going to pay points. As a matter of fact, I sent this email to him when he sent me an estimate after I told him that. 
" I thought you said there was no origination fee? But on this form it says origination charges 1.776 % of loan amount and then it says ( points ). That's very high. Can you please clarify? Are there points or not on this loan? And if this is not an origination fee, why does it say it is? I do not want to pay points and why is this fee there. I understand this can be negotiated and I'd feel much better if this fee was not here or it were a lower rate. The payment keeps going up and up and up. I feel like I'm paying a high interest rate already and now an origination fee? Most origination are XXXX5 to 1 %, this is almost 2 %. '' And he said this ... ... There is no free interest rates in todays crazy market & that is not a choice of mine. The Federal government dictates the cost of interest rates. Rate costs are essentially mandatory right now because investors know that people will be refinancing in the very near future & if they did not get up front money for their investment, they would lose XXXX of dollars. '' I told him over and over no points. He made it out to say that they were not points but that he had to " buy '' the loan. At closing, again, he said they were not points but he had to put them in that spot. 
I am a 100 % XXXX veteran and have never bought a home before. I had a lot of questions and he made a lot of promises and then double talked them. I have XXXX and a XXXX XXXX, am on a lot of meds and feel like he took advantage of this. After the closing, he never contacted me again and sold my loan within a week. He would not answer my questions and would not assist me with things he said he would. He promised that the loan rate would go down in XXXX and that we would refinance. He lied and lied and I feel really XXXX  but I was afraid to lose the house as the person who sold it had to take an offer asap. 
In addition to the loan issues, he inappropriately ( he was married and so was she ) and aggressively pursued my female real estate agent ( and friend ) and told her lies about the loan too. She was a novice. On more than one occasion, she asked me to stay with her so she would not have to be alone with him. 
The bottom line is that I can not find anyone to help me with a solid answer as to how it is okay to lie and misrepresent loan fees and points, especially to a XXXX veteran. He also added all the closing costs to my loan after telling me that I was not going to pay any closing costs. The name of the company is Supreme Lending ( Everett Financial ) and the individual who did this is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified by a third party ( XXXX XXXX XXXX whom received a phone call from XXXX XXXX Credit Card by Chase bank, that my credit-card was 6 months past due on payment. 

I immediately called the company and explained that the account was closed in XXXX, XXXX. They said they had no record of that and that they allowed reoccurring payments to proceed. They stated that after no payments from me, XXXX XXXX, that they closed the account and reported it as non payment. 

Never once was I notified that this card was past due, as it was clear that the account was terminated. I was further advised that if I payed the account in full, they waived all the fees, that they would notify the credit bureau of their mistake. This did not happen, once I made the payment, they immediately transferred me and I was advised there is nothing they can do for me. I have never had something like this happen, you can see all my past history. 

Additionally, we NEVER received ONE email, text or correspondence from this company. The agent on the phone advised me that they have no legal requirement to call me or notify me. 

We tried settling the issue professionally with Chase, but they lied and stated that if I paid them, they would fix it. The bottom line, I respectfully request that this false and erroneous non payment be removed from my record ; as Chase did absolutely nothing to help with the situation nor attempt to notify me regarding this matter besides today, XX/XX/XXXX. 

Thank you for your time and consideration. Please feel free to contact me anytime regarding this matter at XXXX XXXX XXXX XXXX.