23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On dates approx XX/XX/XXXX I was locked out of my online access by Discover Card services. This continued for 3-4 weeks and they refused to talk to me over the phone regarding my account. When I was allowed to log into my account by Discover Card I learned during the time they blocked me from my account fraudulent charges have occurred on XX/XX/XXXX for {$1500.00} & {$430.00} from XXXX XXXX while my card was not in my possession. They failed to properly monitor my account while ignoring my security concerns about not being able to access my account and my wallet with my cards where stolen. I filed a police report with the sheriff on XX/XX/XXXX. I the gave XXXX the police report number. It has been almost 1 year and I have been stone walled by all the representative and they have passed me off to coworkers saying the are supervisors while they are not. No chance getting someone real with authority to resolve this internally. They are holding my credit report and score hostage by making me pay these fraudulent charges even as of XX/XX/XXXX. So far I am out {$7500.00} as of XX/XX/XXXX. 
According to The Fair Credit Billing Act ( FCBA ) which is the Federal law that protects me in this situation I would like a resolution according to the FCBA.
Product: Mortgage

The first of this year, Vanderbilt raised my payments due to a claim, a tree fell on my home. I am a senior on a fixed income, and they know this. So I could not afford to make the payments. So now that I am behind on the payments, they want to lower the payments where I can make them, but they want the money I am behind, again I can not afford this. Why didn't they do this to start with, good show, I guess they want my home.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to finishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i sent and have notified Experian that they are in violation as well as the company that is reporting a collection account on my report. I do not owe any debt I will be pursuing legal action per violation per account. You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a viaolation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
( Please see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting and account that has been removed from two other Credit Reporting Agencies report. The account is XXXX XXXX XXXX. Ive tried several times to dispute this on Equifax website. XXXX and XXXX have already removed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit builder loan from MoneyLion. On their website it states that no credit is required and this will not affect your credit however it resulted in a hard inquiry which lowered my score. I took a screen shot of their website as proof. I just want the inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent XXXX XXXX, Transunion a certified letter for a dispute into a few accounts that are on my credit profile falsely, including a bankruptcy that is not mine! XXXX deleted all these accounts and sent me notifications that they did so. but XXXX, and transunion credit bureaus say they confirmed and verified that the information was accurate. I then sent another letter that i disagreed and to please re investigate, They failed to respond to that letter so 46 days later i sent my third letter asking to please send me information on how they verified and who they verified with. still no response from them and this is not ok as of now its hurting my character as a borrower.
Product: Mortgage

For 3 months, I 've been in contact with PNC Bank in attempt to revised my mortgage payment that will increase early next year. Throughout this process, PNC Bank has repeatedly push me towards a Short Sale option on home I own since XXXX as their ONLY solution to the fact I 'm a XXXX American living strictly on XXXX XXXX. 

It should be known, that I never been late on any PNC Mortgage payments in 10 years & I 'm current on my Property Taxes & Home Insurance. So why is PNC XXXX bent to force me out my home & will not work with me to lower my home payment that will increase in 2 months?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 1. The inquiry was not authorized XXXX XXXX Date of inquiry : Please remove it from my credit report. XXXX. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 3.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5.The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6.The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX  ( Original Creditor : XXXX ) Account Number : XXXX Please remove it from my credit report. 10. The following account is not mine XXXX ( XXXX XXXX : XXXX ) Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXXXXXX XXXX  XXXX Account Number : XXXX / XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 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 crime which antedates the report by more than seven years. 14 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This has been really bothering me it's so frustrating, a credit inquiry on my report popping out of nowhere, I do not recognize this, I did not authorize nor consented to the company and to you having this inquiry placed on my credit, this is really stressing me out and making me anxious.
Product: Credit reporting

I recently disputed XXXX XXXX Account XXXX with Experian for reporting incorrectly. The account was discharged in Bankruptcy XXXX/XXXX/16. The account instead was updated paid, closed with late payment history added.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  are fraudulent on my following accounts : XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft which I have proved numerous times and sent in my identity theft reports. The company fails to properly investigate the reports. We also have a litigation case which wa suppose to be fixed and I am still dealing with the same issues. Due to the company 's failure to properly investigate and correct these inaccuracies, I have suffered financial harm, including but not limited to : Denied Credit Opportunities : I have been denied credit or subjected to unfavorable terms based on inaccurate information.

Emotional Distress : The ongoing inaccuracies have caused significant stress and inconvenience.

Financial Losses : Higher interest rates and lost financial opportunities due to incorrect credit reporting.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, i applied for a loan with HFS financial in the amount of XXXX provided the requested documents. ( i had already obtained a loan with them previously, and it was virtually seamless ) .on XX/XX/2022 i received an email stating i was conditionally approved and that the process was starting.XXXX XXXX XXXX i received an email to retake my drivers lic. pic over and submit, i did.XXXX XXXX XXXX i resubmitted a voided check to the account for the direct deposit of the loan.on XX/XX/2022 i got a call from XXXX XXXX XXXX XXXX XXXX XXXX, stating the loan was approved for XXXX and they needed to ask me security questions.after the interview she stated everything was good and that i would get the documents to sign.when the email came i could not open the document to sign.i called the credit union and HFS they stated that it would be fixed.they attempted to send the documents three times that day i could not open to sign.XXXX XXXX XXXX i got an email stating the loan was approved and to look for the documents to sign again.the documents then arrived to sign again i could not open it.i called HFS, the credit union and the docusign support.after going back and forth all day i was then told that the loan consultant at HFS changed the loan to two loans in the amount of XXXX each.i did not request this and this action caused a glitch in the system to look like i applied for three seperate loans.i then got and email at the end of business day that the loan was now denied.no explanation from anyone.on XXXX XXXX, i heard from no one and called the credit union who stated that it was on HFS end due to the multiple loan attemts and that the loan was still approved on their end.when i called HFS i was told to speak to the vice president, who told me to call the credit union and he could not help me.i spoke to a manager at the credit union who stated once again that the loan was approved with them and that the documents to sign had to come from HFS. when i logged on to HFS it stated the loan was denied and i can not apply again for another 45days. i have hired contractors that are set to start in two weeks, i now have a hard inquiry on my credit report and nothing to show for it.this is totally unacceptable for no one to even follow up or get back to me.the loan processor XXXX was definitely trying to help me but it was above her.but she was the only one to answer the phone and try.the loan was already approved and cleared until HFS decided to change the terms and amounts of the loan.i applied for one loan for XXXX.
Product: Debt collection

In XXXX of 2018 I was contacted by the debt collectors, Coast Proffessional Inc, about a payment arrangement to settle my defaulted student loan. I agreed to the terms and the payment plan which was {$37.00} a month and they would stop my paycheck garnishment and get my loan out of default. Despite our agreement Coast Proffesionals Inc took my Federal income taxes of {$4300.00} even with me paying my {$37.00} a month as we agreed. I am a single mom who has lost her job as of XX/XX/2018. I have no other way of supporting myself and my child. I called Coast Proffessional Inc and discussed this with a manager. He let me know that I should have received a notice that this would happen but with me telling him I never received such notice, all he could do was be rude and repeat that I was still in default even though I am on a payment plan. As I stated above, I am a single mother with no income. My daughter is still in diapers, needs food and is starting school soon. It is not fair to leave us stuck in this bind without notice.
Product: Mortgage

I submitted a loan modification package and then once I found out that I was denied I appealed. I was never sent denial letter initially. Wells Fargo then attempted to proceed to sale but my attorney wrote them a letter an started the appeal process. Once the process began Wells Fargo requested a list of documents to verify income. All of the documents were faxed within the 8 days before sale with most of the documents faxed 12-15 days before sale. The last document did not go through on Wells Fargo 's fax and was refaxed on XX/XX/XXXX. Wells Fargo requested this documents which is evidence of support payments between the borrowers but it is an unnecessary document because Wells Fargo is considering all of the borrower 's income. The bank required the submission of proof of self employment income from the borrower that was making the support payments. In addition in the reinstatement interview it was never asked nor represented that the borrower and spouse are not currently living together. The support payments are not from an outside source and all the income in the household was presented. Wells Fargo has a full package and they had it timely and they are refusing to review the package for a modification. Wells Fargo is requiring unnecessary documents and is not complying with Regulation X with regard to my loan
Product: Mortgage

Customer reached out to Mr. Cooper in XXXX of XXXX due to an employment change during the Covid Pandemic. The Mr. Cooper representative suggested a loan modification, so he started the process. The forbearance was from XXXX - XXXX of XXXX. He was assured on multiple occasions that the mortgage payments would not be reported as late/past due because of this process.

Mr. Cooper sent closing documents on 4 separate occasions because they kept sending incorrect information. Mr . Customer was also told they could not find the documents that were sent back even though XXXX confirmed they were delivered and Mr. Cooper cancelled the modification making him start over again. Mr . Customer followed up with them on multiple occasions to have the process completed and this never happened. He finally gave up on the process after almost a full year of trying to complete it abiding by their terms. 

He made the following payments to catch up the payments : XX/XX/XXXX : XXXX XX/XX/XXXX : {$12000.00} XX/XX/XXXX, {$1300.00} XX/XX/XXXX, XXXX Mr . Customer 's ex-wife Customer 2, is still on the mortgage and signed all the documents Mr. Cooper requested. On XX/XX/XXXX, she received notification from XXXX  that her credit score had dropped ( substantially, over 100 points ). The credit report from XXXX is now reflecting over 120 days past due with Nationstar/Mr. Cooper and a past due balance of over $ XXXX. 

We are asking that Mr. Cooper/Nationstar please contact all 3 credit bureaus for each of us to have these late payments corrected and the past due balance removed since this is the negligence of Mr. Cooper/Nationstar not holding up their promise. Customer 2 works in the XXXX XXXX, and this could severely impact her employment if not resolved quickly. Mr . Customer 's employment is also impacted by a negative credit score. 

I have copies of the payment history, along with the negative bureau report for customers if needed. Customer 2 called Mr. Cooper/Nationstar on XX/XX/XXXX and was told that loan modification negatively impact credit and no help was given even though that is not was previously disclosed at the beginning of the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo would not allow me to pay my loan with my XXXX XXXX account online. I tried to make the payments with checks and they never processed those. I called Wells Fargo and told them of this issue an they stated they would launch an investigation. While they were " investigating '' they said my checking account was a credit crd and then they reported delinquency on my credit report stating that I never bothered to make payments. This information is false as I had reached out to them numerous times and every person I talked to was " unable '' to help me. The missed payments is an error on their end and I should not have to bear a horrendous credit score because they refuse to correct their own mistakes.
Product: Money transfer, virtual currency, or money service

I was sent money from a friend {$360.00} dollars I tried transferring the money into my bank on XX/XX/23 and it kept giving me an error message the same day I received a email from venmo telling me my account has been frozen that my identity needed to be verified. A photo id was sent and I was told that it was received. Yet I have not been able to access my funds at all. I have bills to pay and I am reaching due dates for all bills and can not pay them because the refuse to give me any information on why my account is still frozen after I have sent all documents needed to verify me! I emailed Venmo team and every time I email them I am emailed back by a different person who claims they can not help me that it is up to the XXXX department to unfreeze the account now they are ignoring my emails and I have not heard back from any team member at venmo about my funds!
Product: Checking or savings account

The FBI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX was on the phone when the representative from Navy federal credit union opened an account that my sister in Va sponsored. 

XXXX XXXX XXXX the vice president of membership mailed me XXXX checks and XXXX were stolen XX/XX/2023. 

I reported the checks stolen. 

I was forced to sign a navy federal membership agreement and tax id certification. 

I was approved for a bank account then went in person to deposit my money. The FBI sent decoys into the branch per my calls to them at ( XXXX ) XXXX. I was told at XXXX XXXX XXXX XXXX XXXX XXXX XXXX by the white teller that due to the color of my skin and me being a XXXX educated woman. I WAS also called a XXXX and unfortunately XXXX can not open any accounts. 

I called ( XXXX ) XXXX, I mailed the check as requested to open the account and I havent received anything yet from Navy Federal credit union.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY