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

On XX/XX/2022, my partner and I submitted a pre-qualification construction loan application for a house we auctioned for. Later that day, the loan originator sent us another link to start a pre-qualification process. This created two loan applications. The loan originator said he had canceled the first application, but the bank nonetheless made two hard inquiries on our credit reports, one on XX/XX/2022, and another one on XX/XX/2022. On XX/XX/2022, we followed up with the loan originator and asked him about this since we never authorized two hard inquiries. We again followed up on XX/XX/2022, when he said he had sent this to upper management. We again followed up on XX/XX/2022. On XX/XX/2022, he just responded that he had " sent this on a while ago. '' On XX/XX/XXXX, he said he would send it to their credit agency representative to ask for removal. On XX/XX/XXXX, we called the three major credit agencies, and only XXXX took it off the credit report. However, XXXX and XXXX required a letter from NBT Bank specifically requesting the removal. We sent him that via email, and we tried calling the bank several times, but we could not get ahold of someone that would talk to us about it. They only took our information and never called back. The loan originator never responded to our email. So now we have an additional credit inquiry that shouldn't be there and a bank that won't help us.
Product: Debt collection

I called the company and informed them that the debt that they brough from another company was identify theft and they did help me, and I do not remember. The date when I called the company. I also remember doing the dispute through an XXXX representative.
Product: Mortgage

Started an online application on XX/XX/XXXX th, gave XXXX earnest money and all necessary documents that week, since then has been very limited contact from Amerisave mortgage, inconsistent information, misinformation, deceptive or inaccurate statements, attempt to contact, little success. When they do contact me they sound frustrated and befuddled, just say anything to get me off the phone. This company has all my sensitive financial information, am becoming concerned that the company can not complete this loan and doesn't want to admit it, possibly a total scam to get consumers information to sell?
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for failing to remove unauthorized credit inquiries from my credit report and for their lack of response to my dispute. Despite my request submitted on [ date ], the credit union has not taken appropriate action in accordance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a company may only access my credit report with my explicit consent. If an inquiry was made without my authorization, it constitutes a violation of my rights under FCRA. Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies and furnishers of information are required to investigate disputes within XXXX days. [ Credit Union Name ] has failed to comply with this legal requirement by not responding or providing evidence of permissible purpose for the inquiry.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information have a duty to ensure the accuracy of the information they provide to credit reporting agencies. If the inquiry was unauthorized and the credit union failed to correct or remove it, this is a clear violation of the statute.

I request the CFPB to investigate this matter and take appropriate enforcement action against Experian for noncompliance. I also request that these unauthorized inquiries be removed from my credit report immediately. Enclosed are copies of my original dispute letter, my credit report showing the unauthorized inquiries, and any supporting documentation. 

I appreciate your prompt attention to this matter and look forward to your response. Please keep me informed of any updates regarding my complaint.
Product: Credit reporting or other personal consumer reports

I noticed a collection that was on my credit report, company did not validate the account bearing a contract between me and them bearing my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had frozen my credit reports 2+ years ago due to the large data breech, and a desire to protect my credit. I now need my credit information to be available in order to change cell phone providers. I had no issue removing the credit freeze with XXXX  and XXXX. 

With Equifax, I am trapped in an automated black hole, and can not get this report unfrozen. The cellular provider I need to sign up with ( XXXX XXXX XXXX ) only uses Equifax. I have tried to login to myequifax.com, but am told to contact customer service after entering my login information ( I have also tried updating the password several times ). I have called a half dozen customer service numbers listed on their website, including the one I was provided when login failed, only to be directed to the same automatic phone tree, and told they can not complete my request, and then hung up on. There seems to be no way to speak to a live person, or to get this report unfrozen. I am at a loss as to what to do! Many message boards indicate this is a common experience of those trying to access Equifax. I am hoping the CFPB can provide some solution.
Product: Credit reporting or other personal consumer reports

I have tried several times to get my account balances and status updated with XXXX and Equifax. They both are not showing updated balances and the last date of payment correct for XXXX. XXXX also is not showing the correct balance of my XXXX XXXX. I am not able to file additional disputes with XXXX. They only allow you to file one dispute at a time and it takes so long get a dispute resolved. I am trying to buy a house and this is really affecting my credit score with information not being update in a timely manner and not being able to file more than one dispute at a time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2023 and I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Confirmation # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors. friends. or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX  charged me {$72.00} on XX/XX/2020 to renew a service that wasn't supposed to renew until XXXX/XXXX/2020. I called XXXX on XX/XX/2020 to cancel the service and request a refund for the charge, since no service had yet been given for it. They refused the refund. I then called Chase Bank, and filed a dispute. Chase bank now refuses to recover the funds, saying I received services for the amount paid. I sent them several irrefutable documents proving that was not true. They still refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX  XXXX  XXXXI C SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX  ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

Comenity/Zales has on my credit report a debt that is not owed. I purchased merchandise XX/XX/2017 and paid CASH. See attached receipt. This is the only time I've ever purchased anything from them. I have had to dispute this with many collection agencies in which they did remove it as to proof of purchase with a XXXX balance. Unfortunately, Comenity/Zaes has not removed it from my credit report which has a huge negative impact. They even show that I had been making payments and that I opened an account back in XXXX. That information is incorrect and I am being penalized for inaccurate information..
Product: Credit card

On XXXX XXXX, 2025, I purchased an annual pass for Universal XXXX XXXX and applied for the FNBO  and XXXX XXXX co-branded credit card. At the time of application, the website indicated that my application was approved. Since the XXXX XXXX credit card offers a {$100.00} credit bonus after spending {$1000.00}, I expected to receive this benefit. 

However, about a week later, I received a letter from FNBO  stating that my credit card application had been denied. 

Now, I have received a billing statement from FNBO. 

My concerns are as follows : I have not received any information regarding my FNBO  credit card, so I am unable to make a payment or register for an FNBO  account.
Product: Debt collection

Velo Law is claiming I owe a debt to a place I have never even visited for a purchase I never made. The items purchased were not items I own nor have I ever been in possession of and the address ( Hazard/Hazzard ) used by the person who purchased these items I have never lived at. My name is a very common name and my identity has been stolen before. When I requested proof of my signature for these purchases and a list of what was purchased it was never provided. I was just told it was proven to be my debt but I was never given proof as to how they came to that conclusion. I want this debt removed from my credit report because it is not mine!!!!
Product: Credit card or prepaid card

I bought a temporary XXXX XXXX XXXX XXXX XXXX debit card from XXXX on XXXX, paying {$500.00}. However, the debit card that the XXXX associate handed me was the wrong card. They kept the actual card that got activated. Therefore, I requested and was promised a refund from InComm when I called and filed a case about it. InComm ignored my initial request on XX/XX/2023, so I filed another case XXXX  XXXX on XXXX with XXXX, and submitted documentation. Nothing happened. I called InComm on XXXX and spoke with XXXX. XXXX said that the back office team issued a refund check in XXXX. I never received a refund check. XXXX escalated the case and promised a response by e-mail in two business days. I never got an e-mail. I called again on XXXX and spoke with XXXX. He said I would get an e-mail. I never got an e-mail. I called again on XXXX with XXXX. She said " a team '' would look into it and see what actually happened. I did not get any follow-up and still have not received my refund.
Product: Payday loan, title loan, or personal loan

I applied for the Discover personal loan for {$34000.00} for debt consolidation on XX/XX/2017. I was requested to send in my wife 's pay stubs as well as mine, which i did promptly. After a day passes I tried to check the status of my application and I saw that it was denied because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I contacted them and asked for an explanation because they are required to give a specific reason why it was denied but they refused to and said thats the best we can say. I have a fraud alert of my credit reports for my own protection and when they checked my credit they did n't even call to verify that it was me who applied for that card and then they deny the loan because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I spoke with them for about 30 minutes and nothing changed and they were insisting that they are following the law and they do not have to give me explanation to why it was denied. I need to teach this company a lesson so they understand that they ca n't just advertise personal loans and when you apply they deny it for a reason that is not comprehendible.
Product: Credit reporting or other personal consumer reports

Disputes was file with all three credit bureaus however in mine disputes i request the original Sign Agreement wr for this debt. On XXXX contact Sycn/PP stated no longer have any information on this debt. I'm requesting the original Sign Agreement stated I owe this debt or delete from mine credit report
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 or other personal consumer reports

This is a request for the Procedures used to VERIFY the ( 2 ) accounts listed in this complaint that I disputed and submitted via CFPB # XXXX on XX/XX/year> and I received the response from Trans Union on XX/XX/year> informing me that both accounts that I disputed pertaining to 15 USC 1681b ( a ) ( 2 ) and FCRA 604 ( a ) ( 2 ) were BOTH VERIFIED.

According to 15 USC 1681b ( a ) ( 2 ) and FCRA 604 ( a ) ( 2 ) the LAW clearly states that A credit reporting agency can not furnish an account without written instructions from the consumer.

I did not give written instructions to Trans Union nor did I give anyone at anytime Consent or Permission to furnish these two accounts on my credit report XXXX ) XXXX XXXX # XXXX 
XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX reporting as a ( CLOSED ) Because both accounts were not DELETED as I demanded, I am requesting in accordance with 15 USC 1681i ( 7 ) and FCRA 611 ( 6 ) ( B ) ( iii ) which states I have a right to request and receive the all the information that I am now requesting within 15 Days or I can SUE Trans Union for a {$1000.00} for starters.

I am requesting in accordance with 15 USC 1681i ( 7 ) and FCRA 611 ( 6 ) ( B ) ( iii ) all the Procedures used that led to Both accounts listed above to be VERIFIED.

I am also requesting the names of the person ( s ) you spoke with along with their address and telephone numbers in accordance with ( 6 ) ( B ) ( iii ) as well.

I understand you have no more than 15 days to provide this information to me or these LAWS clearly state that Io can SUE Trans Union!
Product: Mortgage

The estate of XXXX XXXX my mother, I complain to your co. back in XXXX 2016 of this year on RMS, Inc. After you sent complaint to co. XXXX XXXX XXXX state he was a Sr. Execution Resolution Analyst with RMS responded to my complaint. In letter he wrote that I could get my owe appraisal if I disputed the one did in XXXX XXXX, 2016. I did the appraisal after weather got better in XXXX because of all the flooding that had been occurring. In XXXX 2016 the appraisial sent them the knew appraisal. I spoke with a XXXX XXXX around XXXX XXXX, 2016 and stated the appraisal was coming out this week on Thursday XXXX XXXX, 2016. They stated in would take awhile to get the paper work done. Well on XXXX XXXX, 2016 I call to see if they received Appraisal, XXXX XXXX said it would that 24 hour well it was 24 hrs. He stated he would call me XXXX XXXX, 2016, which did and stated they received new Appraisal. And if they needed anything else they would call me and stated this was going back to Short Sales Dept. Well today is XXXX XXXX, 2016 I get letter from lawyers stating House is going in foreclosure. Never heard anything for Short Sales or XXXX XXXX or XXXX XXXX.
Product: Mortgage

Ive been a homeowner for 19 years was never once late on my mortgage in 19 years until the end of 2019 when I was out of work due to an injury and had XXXX surgeries and was not receiving any income. In XX/XX/2019 I called Bayview they sent me up on a fresh start program that forgives the few payments I was behind even though I was paying each month and set me up on auto pay I thought everything was fine and when I went to go make my payment in XXXX the website would not let me nor over the phone it would transfer me to a loan specialist who Ive been calling for over a month and he has not called back I finally got a hold of yesterday and he proceeds to tell me that XXXX who I spoke to in XXXX never put me on the fresh start program and completed the process which no one ever called and advised me that and now he tells me that my mortgage is in foreclosure and theres nothing he can do for me he said he has a modification which I will not except my interest rate is at 4.25 % on a 30 year fixed and he wants to give me a modification Starting at 8.75 % and an annual increase adjusted interest rate every year and I will not except that offer I said I was in a fresh start program and to my knowledge I should be current and able to make XXXX payment. Also for 19 years I never had escrow included in my mortgage and I received a statement that all of a sudden in XX/XX/2019 they want to add escrow into my mortgage payment and my original mortgage with XXXX has a stipulation that escrow was not included in my payments and also my mother and my uncle help me and they pay my property taxes they will not fix this and take my escrow out
Product: Credit reporting or other personal consumer reports

I am writing to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud. I kindly request this action to be taken within XXXX business days of receiving this complaint. 
The fraudulent, inaccurate, and false information includes the following : Credit Accounts : XXXX XXXX XXXXXX/XX/XXXX, {$620.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX Bank, XX/XX/XXXX, {$2400.00} XXXX XXXX, XX/XX/XXXX, {$140.00} XXXX Bank XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX, XX/XX/XXXX, : {$0.00} XXXX XXXX, XX/XX/XXXX, {$6200.00} XXXX XXXX, XX/XX/XXXX, {$190.00} XXXX  XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX  Financial, XX/XX/XXXX, {$0.00} Collections : XXXX XXXX, XX/XX/XXXX, $ XXXX XXXX, {$2700.00} Bankruptcies : XXXX Bankruptcy XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, Hard Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Employers : XXXX XXXX XX/XX/XXXX About M These fraudulent accounts have led to several hard inquiries and collections appearing on my consumer XXXX credit report. I do not recognize any of these accounts, collections, hard inquiries, addresses, or bankruptcies, as they were not opened, made, or initiated by me. They are all the result of identity theft and fraud. 

Attached to this complaint, you will find copies of the FTC Identity Theft Criminal Complaint as proof, verifying that all the aforementioned accounts, collections, bankruptcies, and addresses are the result of identity theft and fraud. 

I kindly request that Credit Bureau blocks all these fraudulent accounts, collections, bankruptcies, hard inquiries, and addresses from my consumer credit file within XXXX business days of receiving this complaint. Additionally, I request that all written confirmations regarding this complaint be sent to me via email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
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  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Mortgage

Summary : I was a Wells Fargo customer between the years of XXXX. Although my credit was and is excellent I was given a no-doc 80/20 loan to finance the home. During that timeframe, I applied for a loan modification and was twice denied both times. I subsequently sold my home in XXXX to avoid losing it. Based a number of CFPB enforcement actions and class-actions I believe I am entitled to a settlement. I opened a complaint ( XXXX ) with Wells Fargo on XX/XX/XXXX and was denied. However, the investigation failed to address the loan modification issue and incorrectly treated the 80/20 loans as a mortgage that was later used to get a home equity loan ( XXXX ). I subsequently opened a second complaint ( XXXX ) on XX/XX/XXXX with XXXX XXXX, a supervisor that recommended a new claim to address the two distinct original concerns : discriminatory/predatory lending ( no-doc 80/20 loan ) and the denial of a loan modification. At one point he said, 'why didn't you file this complaint sooner? ' The second complaint was denied via a phone call from the case owner, XXXX XXXX. He said, 'the 80/20 loan I received was typical of that time ' so the claim was denied. He did not address the loan modification issue, when asked he said, 'I do not have an answer for why that might have happened '. He told me I would receive a letter recapping what he covered in the discussion and if I was not satisfied I could file another complaint. To date I have not received any such letter. It feels as though they are just kicking the can down the road to run out a clock. 

All of the paperwork and notes associated with these complaints are attached in chronological order.