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

I sent these credit reporting agencies credit karma, XXXX, XXXX, and experian to remove these items off of my credit report that include all addresses, birthday, name, employment and hard inquiries, as I did not give permission and I did not give permission to share with XXXX XXXX corporations remove now or pay fines! 
They are also stating there are late payments as well this information is inaccurate 15 U.S. Code 6801 - Protection of nonpublic personal information. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you were seriously harmedsay, the credit reporting agency continued to give out incomplete or inaccurate information after you requested correctionsyou might consider filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several times to get my credit report from all of the credit bureaus. However, they then ask me for copies of social security and driver license. I've sent them XXXX different times. Still over XXXX years have not got them. I'm not sure what else to do. I've tried to do it on line but each time denied. I had to report identity theft since 2016. Reported to federal trade commission. Don't know if that has anything to do with it. Would appreciate any help.
Product: Checking or savings account

Wells Fargo has failed to send settlement check for previous clams. Wells Fargo has caused Financial Deformation by not opening up an account under XXXX XXXX XXXX. I have submitted 24 karat Gold, under the Mines and Minerals Act of 2009, at the Time of Opening up XXXX XXXX XXXX. XXXX XXXX XXXX, account number ending in XXXX ; XXXX ; XXXX. I have submitted XXXX XXXX and XXXX XXXX to Wells Fargo representative who open my account on record. XXXX submitted to Wells Fargo is supposed to be Transferred to the Department of Treasury.
Product: Money transfer, virtual currency, or money service

On XX/XX/2025 I attempted to initiate a wire transfer online. Their site is broken and could not do so. I tried again over several days with the same result. On XX/XX/2025 I called PenFed Credit Union and initiated a wire transfer around XXXX by phone. I was told this would be resolved within hours. I called back later that day as the recipient did not receive the payment. I was told that they had failed to verify the request. I went through the verification process at XXXX. I called back at XXXX and was told it would be handled in the morning. I called at XXXX and was told that I would need to call back once the underwriting team was in office at XXXX. I called again and was told it would be submitted very shortly. I called again at XXXX and was told it is still not processed and they need to wait to have someone available to process. I have informed them multiple times that even by their own policy this should have been handled by now. I also informed them throughout this process that this will delay closing. Their answer was oh well.
Product: Mortgage

I had to have an insurance check endorsed by Nationstar. I talked with a number of people, was put on hold, hung up on, finally talked to XXXX, who said to make up for poor service, would expedite handling and overnight to endorsed check to me so I would receive it XX/XX/2017. The post office said it was delivered Tuesday, XX/XX/2017. I called XX/XX/2017 as I had not received the check ; XXXX of the Loss/Draft/Correspondence department told me it had just been entered into their system on XX/XX/2017. XXXX called me at the end of her shift to let me know it had been overnighted on XX/XX/2017 ; I would receive it Friday, XX/XX/2017. When I 'd not received it, I called again, eventually speaking with " XXXX '' while discussing the issues I 'd been having with " XXXX '' on XXXX. XXXX finally admitted he had NO control over any of the processes, but he would call me with the resolution. He had " XXXX '' call me at approximately XXXX EST XX/XX/2017 to tell me the endorsed check was at XXXX and overnighted for delivery on XX/XX/2017. I asked specifically if the check would be delivered on Saturday, and was told yes. After repeatedly being lied to about the status of this, I checked XXXX. The check was NOT at XXXX, it was pending pick-up. It was not sent Saturday delivery, estimated delivery is Monday, XX/XX/2017. I messenged XXXX, who states she 'll get back to me Saturday after she reviews the issue - again. I called XXXX - the office is closed until Monday. I am sick to death of the constant lies, disrespect, waste of my time, etc. I have spent over 6.5 hours this week trying to get an honest answer about this, and I still do n't have any idea of what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Experian disputing the unknown inquiries. I have no knowledge to the below inquiries therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wish to see the original sources of the information reported including the original documents authorizing such inquiries with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. I have attached a copy of my driver license and social security card.
Product: Mortgage

We applied for a mortgage the beginning of XXXX. We received a pre-approval and began the process. We received an initial disclosure from the company that stated our cash to close would be {$8600.00}. During the process, we had a mortgage consult during which we disclosed we would be using a program for {$7500.00} in down payment assistance. We had a mortgage consultation shortly after and were told our cash to close would be around {$860.00}. Our disclosures changed several times during this process. At the end, the lender charged {$2400.00} in fees that were never disclosed prior to the final disclosure and they charged us incorrectly on the taxes. They did issue us a refund of {$600.00} for the taxes. They also locked in our interest rate on XX/XX/XXXX and charged us over {$700.00} to do so. Then on XX/XX/XXXX, AFTER our rate was locked in, they changed it and then charged us {$1100.00} to lock at the rate we currently have. I would like this reviewed to ensure that this was done correctly, as I do not trust anything that happened during this process. Our cash to close ended up being over {$4500.00}, and that is AFTER {$7500.00} in down payment assistance, due to fees never disclosed. It is a law that I receive a statement titled " Truth in Lending '' and that was never sent during this whole process.
Product: Student loan

Mohela sent me my letter of loan forgiveness under PSLF on XX/XX/XXXX. On XX/XX/XXXX they put the balance back on my account as owed and stated they " made a mistake ''. It had already been removed from my credit report and I had moved forward with new financial obligations aimed at retirement making it very difficult to absorb this monthly payment I was told was forgiven.
Product: Prepaid card

consumer financial investigation burau USA Subject : Complaint Against Money Network Regarding Fraudulent Charges on EDD Debit Card # XXXX XXXX XXXX XXXX Dear Sir / Madam, I am writing to express my frustration and concern regarding fraudulent charges made to my Money Network EDD debit card. On XX/XX/year>, an amount of {$400.00} was fraudulently used in two separate transactions : {$400.00} at XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  NY {$4.00} at XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA I have no idea how my XXXX XXXX debit card could be used in New York and Georgia, both out of state, where the CARD was with me all the time These unauthorized transactions occurred without my knowledge or consent, and I immediately reported the issue to Money Network . 

Unfortunately, the response I received from Money Network has been unsatisfactory. I was informed that their investigation could take anywhere from 45 to 90 days before any resolution or payment could be made. As a result, I am left without access to funds that are critical to my well-being. I sent back the paper work back to them which according to them they have received one day late and they could not process the provinal payment and I have to wait for 45-90 days.

I respectfully request the urgent recovery of my money. It is unfair that I should have to endure financial hardship due to what I believe to be a lack of proper security controls / compliance in Money Network 's system. 

Furthermore, I am concerned that Money Network is not fulfilling its obligations to secure customers ' funds, and I question whether their services have been properly audited by the Federal Reserve, the Office of the Comptroller of the Currency, or the Federal Deposit Insurance Corporation.??? 

Additionally, There is a serious deficiency in their controls of, and its a reflection of the deteriorating financial oversight by Federal Reserve, the Office of the Comptroller of the Currency, or the Federal Deposit Insurance Corporation. in America. As President Trump has rightly pointed out, the situation resembles that of a third-world country.

I am requesting immediate action from your department to investigate this matter, hold Money Network accountable, and ensure that I receive the {$400.00} that was fraudulently taken from my account. 

Please let me know how this can be resolved urgently. I also request that the California EDD consider reviewing Money Networks license and their ability to manage EDD payments if such issues continue. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Years Cell XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Discover bank, have 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 an 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

I called all three consumer reporting agencies about an erroneously reported item on the public records portion of my credit report. The item concerns an incomplete and incorrectly reported judgment from when I filed a countersuit against a landlord ( actually I attempted to file first and she beat me to it ) for improper withholding of a depost and an improper lease. I won the judgment in XXXX Co Special Civil Part - I have a copy of the judgment and a copy of the credit invoice to the plaintiff - a realtor. I spoke with a XXXX in the XXXX Co. Post Judgment Team - who confirms that the court records reflect XXXX XXXX XXXX plaintiff as being held accountable for the judgment and that I won the judgment. Somehow the entity furnishing the information to XXXX, XXXX, and Equifax has not been accurate and is not being held to any accountability for the accuracy of this report. I contacted all XXXX credit agencies to include XXXX. The XXXX website wo n't let me enter data - keeps coming up with an error message ( I have a copy ). The transunion online automated reporting system keeps hanging up on me - two hours I 've spent out of a busy day. I am a physician - the reason I was even in the aforementioned rental property - and I am trying to run my own business. I applied for a loan. My credit is fairly good - and could be great if there was not this GLARING inaccuracy on the reports. The credit reporting agencies have a very flippant and avoidant attitude towards this issue and other ones like it. We are held accountable through financial penalties for processes and issues which may or may not be accurate- while it seems the the agencies and their clients who are paid to report the information to them ARE NOT. This is hurting my credit score and my credibility in general. These are very trying times to start a business of ANY sort in the US and this has been an incredible drain to try to get this recognized and reported correctly. Equifax just has noted the matter as " settled '' on the report - also reflecting that I LOST the judgment. Transunion is not even letting me report it. And Experian states it has to check with its private vendor of the information even though I sent in the statement of judgment from the court, from my lawyer, and a copy of the entire judgment received from XXXX County Special Civil Part for the docket in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer it has come to my attention that your office ( Transunion, XXXX and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). The information that has been reported on my credit report is inaccurate and is a result of fraud. This inaccurate information is causing significant harm to my credit score, and is preventing me from obtaining credit and loans at favorable rates. I am requesting that this information be removed from my credit report as soon as possible. I have previously disputed this information with the credit reporting agencies last year, but they have refused to act on this matter. I have since pulled another report with them this year, and the inaccurate information is still being unjustly reported under the law. Despite my repeated attempts to get this issue resolved, the credit reporting agencies have failed to provide me with any contract that bears my wet signature as required by federal law. I am requesting that the following information be removed from my credit report as soon as possible. 

Transunion : XXXX XXXXXXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX XXXX XXXXXXXX, Date Opened XX/XX/XXXX, In the amount of {$3900.00}. 
XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX, In the amount of {$140.00} XXXX XXXX XXXX, Date Opened XX/XX/XXXX, In the amount of {$2100.00}. 

XXXX : XXXX XXXX  # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2700.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, In the amount of {$140.00} XXXX XXXX XXXXXXXX, Date Opened, XX/XX/XXXX, In the amount of {$2100.00}. 
Unauthorized Hard Inquiries : XXXXXXXX XXXX  on XX/XX/XXXX and again on XX/XX/XXXX XXXX : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, In the amount of {$2900.00}. 
XXXX # XXXX, Date Opened XX/XX/XXXX, In the amoint of {$0.00}. 
XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX In the amount of {$3900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed below are two collection accounts that are being reported on my credit record and neither belong to me. The XXXX account was the result of identity fraud and I provided details in the form of a police report and it was removed previously however it now reappears on my record. I have never been a customer of either company. 

XXXX XXXX XXXX  The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. 
Account Name ERC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
First Reported XX/XX/XXXX Original Creditor XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX First Reported XX/XX/XXXX {$880.00} XXXX XXXX. 
The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. First Reported XX/XX/XXXX Original Creditor XXXX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a new car at XXXX XXXX on XX/XX/XXXX. I turned in my existing lease which was paid up to date. I started a new lease with a first car payment of {$450.00} due XX/XX/18. I was told to leave a check at XXXX XXXX for my XXXX payment. I did. Fast Forward to end of XXXX when I receive a collection call saying I never made my XXXX payment and I was delinquent on my lease. I had to pay 2 car payments to catch me up. I contacted XXXX XXXX 3 times over the phone and twice in email and never received a response from my sales person or the finance department. I reached out to XXXX XXXX XXXX on XX/XX/18 hoping for some help. I was contacted by their representative who said that she could not help with this issue but would contact the dealership. I still have not been contacted by the dealership. I would like the delinquency removed from my credit report.
Product: Credit reporting or other personal consumer reports

My wallet and SSN was lost and have been a victim of identity theft still to this day. I called to remove inquiries in XXXX, XXXX, & XXXX, said company said that a FTC report is needed to remove inquiries. FTC report was sent in and said company is stating of not receiving it. Will not remove inquiries from report after non stop reportings. They will not remove them over the phone but also will not admit to receiving information that was sent in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on the American Express website to look for other card options, they told me I could look at the cards and a soft pull not inquiry, the inquiry was there showing hard credit pull, but I didn't apply. 
These are bait and switch opportunities for the company and it affected my credit scores, I have a copy of that with XXXX 
credit scores are affected now by BLINKING so these private companies can make money off you.
Product: Student loan

I submitted a PSLF form to update my monthly tracked payments in XX/XX/XXXX. The payments were never processed or updated. I tried to follow up by phone and there is no option to speak directly with an agent. I resubmitted a new form ( and asked my employer to re-do their portion ) and submitted in XX/XX/XXXX. I received a PDF form through my MOHELA account that the form was missing employer information in section 4 that is NOT missing. I attempted to send a message through the form and the site redirected me to call them ( it did not allow me the option to send a message about PSLF through their site ). Again, there is no way to speak to an agent : just pre-recorded messages.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I have recently become a victim of identity theft following a major data breach, as reported by XXXX XXXX on XX/XX/XXXX. This breach exposed sensitive personal information, including Social Security numbers, leading to a significant and unauthorized impact on my credit profile. 

Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I discovered multiple unauthorized credit inquiries and the opening of a business account that I did not consent to. These unauthorized activities began appearing on my credit report as early as XX/XX/XXXX, and have persisted throughout XXXX. Specific entities such as XXXX XXXX, XXXX XXXX, XXXX, XXXX, and several others have made hard inquiries or opened accounts in my name without my authorization. 

The most egregious of these unauthorized actions includes a business line of credit opened under my name with XXXX, bearing the account number XXXX. This account was reported as opened on XX/XX/XXXX, with a high balance of {$650.00} and was subsequently charged off as bad debt by XX/XX/XXXX. This has not only misrepresented my financial behavior but also adversely affected my credit score and overall creditworthiness. 

I have never authorized these inquiries or the opening of this account, and I assert that their existence on my credit report is a direct result of the data breach. This situation has placed an undue burden on my personal finances and XXXX XXXX, as I navigate the complexities of restoring my good name and credit standing. 

I am in the process of disputing these inaccuracies with the respective credit bureaus and have alerted them to these breaches of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have also informed them that should these discrepancies not be resolved within the legal timeframe of 30 days, I am prepared to take legal action to protect my rights and recover my credit integrity. 



In XX/XX/XXXX, following a major data breach reported on XX/XX/XXXX, which involved the compromise of sensitive personal data including Social Security numbers, my credit profile was adversely affected. Several unauthorized credit inquiries and the opening of a business account were made without my consent. 

Key Events : XX/XX/XXXX : An unauthorized business line of credit was opened, later charged off as bad debt on XX/XX/XXXX, with a high balance reported as {$650.00}. 
Throughout XXXX and XXXX : Multiple hard inquiries were made by various financial institutions and companies, including but not limited to XXXX XXXX, XXXX XXXX, XXXX, and XXXX. These actions were unauthorized and have significantly impacted my XXXX XXXX and standing. 

Actions Taken : I have initiated disputes with all XXXX XXXX  credit bureausTransUnion, XXXX, and XXXX rectify the unauthorized inquiries and account openings recorded on my credit report. 
I have clearly informed the credit bureaus that if the discrepancies are not resolved within 30 days, legal action will be considered to enforce my rights under the Fair Credit Reporting Act ( FCRA ).