23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

We were so happy, my boys and I until wells farg said they would not modify my loan. They gave me loans, using our house as collateral. My boys and I were separated after they watched me put everything on tables for a rummage sale and filed bankruptcy. I remember me crying with my youngest son and his words " mom your our hero " he went to live with his Dad which didn't work and my oldest with a friend which resulted in a XXXX which didn't go well. I've felt like a failed for 15 years, living with my XXXX XXXX XXXX mother I still cry. Then on XXXX 2022 being alone I decided to fight fight for my Grandchildren, myself, my kids. 15 XXXXXXXX XXXX not being with my family. Sitting in she'd I built in my mother 's back yard. I won't settle for less then what I could have now if wells fargo would not have said NO! I didn't have the chance to pay my dept, now at XXXX I suffer with NOTHING!
Product: Credit reporting, credit repair services, or other personal consumer reports

As one of the reported 143 million acknowledged by Equifax to have had my information compromised, I have been trying for days to get Equifax to implement a credit freeze without success. The efforts always end in a terse comment that the request can not be done at this time and to try again later.
I do n't imagine anyone attempting to fraudulently use my information to obtain credit is having the same problem. 
Equifax, who has know about this for weeks and surely had time to anticipate the predictable response and adequately prepare the necessary steps to minimize exposure to fraud, has failed miserably.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a car and I have requested to remove the freeze or Alert from my credit report. I have requested that my freeze be removed permanently for XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX PHONE XXXX. I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all security freezes at once.
Product: Money transfer, virtual currency, or money service

XXXX Previous complaint number In the previous complaint paypal rep said Im now able to transfer my crypto out of PayPal and be done with it once and for all. Yet here I am still stuck, unable to transfer my crypto out of PayPal, I get an error when I go to do it. Meanwhile Bitcoin has gone down another few XXXX and I AM FORCED TO LOSE EVEN MORE MONEY BECAUSE PAYPAL WONT GIVE ME MY MONEY BACK!!!! 
I have called customer service and they said they have to escalate it to a rep for review. This doesnt make sense since its already been approved in the previous complaint. CFPB I need your help BAD here, I am helpless and approaching XXXX. There is no reason why they wont let me transfer MY crypto out. They are just holding it captive for no reason. HELP!!!!
Product: Credit reporting or other personal consumer reports

Per XXXX ( XXXX ) ( b ). They are reporting charged off on XXXX different months.
Product: Credit reporting, credit repair services, or other personal consumer reports

It started on XX/XX/XXXX, I contacted America Honda Finance, also known as Honda Financial Services, about them reporting an account on my credit report and which I had no knowledge about. I mentioned I was a victim of identity theft in the past and continues to happen. They told me to contact the dealership who reported it to them, XXXX Honda, who I have contacted. They claimed I had originally asked about a Honda Passport and my business was denied credit but did not state any vehicle was in my name or purchased. I called back Honda Financial, and they kept on insisting they could not do anything and I would have to contact the dealership. They also stated I would have to make payments towards this account, or my credit would be showing late payments. I have been making payments since due to my construction business and I use my personal credit to obtain loans and could not afford to allow any late payments on my credit. On XX/XX/XXXX, I spoke with a XXXX, Honda Financial, and stated he would put in a request to investigate this matter. I was told I would receive a Identity Theft Affidavit, which I filled out and notarized and faxed to Honda Financial on XXXX XXXX XXXX I have yet to hear anything back and this account is still reporting on my credit report. I will stop making these payments as for over 6 months now, Honda Financial has done nothing and ignoring my requests to remove this account from my credit report. 
I've also emailed Honda Financial a Federal Trade Commission Identity Theft Report, reported on XX/XX/XXXX. XXXX police have also been notified of this situation. On XX/XX/XXXX, I called to check receipt of the Identity Theft Affidavit, i talked to a XXXX, who gave me an email address to send copies to as she did not see that in the system. XXXX hung up the phone on me after stating she would go look at what i emailed her. I have sent 2 emails to her since and no responses at all. I do not own a Honda XXXX  nor ever purchased one from XXXX Honda.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX To whom it may concern On the date of ( XX/XX/year> ) a late payment was reported inaccurately. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 section 602 ) states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under ( 15 USCS 1666b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose. Also under ( 1681a2ai ) it states the consumer report does not include transactions or experiences between consumers and the person making the report. Date of incorrect late payment ( 12/2020 ) Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and it has been a journey trying to get my life back to normal. I began my journey of reaching out to all 3 credit bureaus starting XX/XX/XXXX to now. The credit bureaus have continuously reported inaccurate information illegally on a number of accounts. Here are a list of the two accounts that are reported inaccurately : The Bankruptcy XXXX ( has been removed from XXXX and remains on Transunion and XXXX. There are two different court names and case numbers do not match. This violates the FCRA 15 U.S. Code 1681e ( b ) Accuracy of Report. There can only be one account number and one court for the records for filing. I have provided them letter from the bankruptcy court and Transunion and XXXX refuse to remove it. 

Bankruptcy XXXX ( has been removed from XXXX and XXXX and Remains on Transunion XXXX. 

The FCRA 15 U.S. Code 1681e ( b ) Accuracy of Report. States, If any information or items disputed by a consumer ( me ), 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 immediately. Please see the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX  TransUnion There are over unauthorized 35 inquiries on my credit report. I am asking for a wet signature proving the these acccounts and inquiries are accurate. I want the credit bureaus to do this their jobs instead of giving me the response of Accurate with no documentation is unacceptable and was not requested. Please remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

in early XXXX i contacted experian credit to remove a charge off because it had been ove XXXX years.in fact the company never proved it was even mine .the charged off account was deleted XXXX XXXX XXXX was told by the women at experian that my score should rise. in the coming days with no major changes ( no balance increases, alot of inquires.in fact obly positive occurences to do with trade lines to my report the fico score dipped XXXX separate times by a total of XXXX points. i requested information on a 2nd call last week .the rep refered me to FICO .called fico and they told me we gave been getting calls her on the advice of experian and they dont belong with fico but experian.so i called back experian numerous times, very difficult to get a represenative .i was promised a call last friday morning between XXXX XXXX central time.they picked the time.i got a call back at nite and missed it by a XXXX at XXXX called back and was advised XXXX would call yesterday between XXXX XXXX guess what... no call. i called tonite spoke with reney and experain has no record of my case!!! requested someone qualified to answer my question .theystated no one with credit credentials?? i responded your one of the 4 major credit agencies and this can not be escalated and nor do u have anyone on site credit qualified?? .i was denied escalation.i feel that my score is lower than should be and general explanations dont cut it XXXX am XXXX but well versed .i demanded be escalated and was met with general denial oe assistance by a lady named XXXX .this outrageous.this is a viplation of 93a it should not be a trade secret the exact details whats happening with my information!! i eas told even though the charged off account was negative it was still a trade line and can hurt a score. i said this is a catch 22 and is wrong
Product: Student loan

I co-signed a huge student loan for my daughter. She is repaying, but the debt has RUINED my credit rating! What immediate or long term action can I take to get this off of my credit rating??? THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a late payment showing for the month of XX/XX/XXXX that I totally disagree and it is effecting my credit report. 

There was an error received on their website the day that I was trying to make my payment as I usually do each month and it was not allowing my payment to be processed. Since switching over from XXXX in XX/XX/XXXX. I have not been late since XX/XX/XXXX. When i contacted them they stated that payment went through on the 1st that caused my account to be 30 days late and that there wasn't anything they could do for me. After explaining to the customer service rep repeatedly that it was an error on their site that caused the issue, she became non responsive in resolving the matter. I am coming to you to see if there is any assistance that you could help get this late payment removed. 

Thank you XXXX XXXX
Product: Checking or savings account

When I opened my account I was not offered Premier Banking. I believe opening an account with {$20000.00} or more they should of offered me premier banking. I served in the XXXX XXXX XXXX XXXX for 4 years and deposited all of my money with this institution then XXXX XXXX owned by Wells Fargo now operating as Wells Fargo. This Branch is located at XXXX XXXX XXXX XXXX XXXX Pennsylvania. I would like my FDIC insurance in full of {$250000.00}. This is impossible dealing with the bank. My Account with them either Checking or Savings I'm not sure it has been 16 years, has been hacked for over {$300000.00}. If anyone could please assist me in this matter I would greatly appreciate it. Thank You, to everyone at the CFPB and I will be retuning to XXXX in XX/XX/2019. I would like my money to be safe with this institution when I return. They have been very kind to my Father.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXXBalance {$950.00} XXXX  XXXXBalance {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is being made by me personally not by a third party or just some template letter. I tried to purchase something on credit and they told me i didnt qualify and then when i looked at my credit report i noticed some accounts that i never signed up for.
Product: Mortgage

We started our application with PenFed 60 days before closing ( XX/XX/20 ) on a new house that we were building as this was the earliest we could start with them. XXXX is who we worked with for the application and he was great. Super responsive and helpful. Then we got handed off to XXXX and everything went downhill. We received an email on XX/XX/20with the next round of documentation they needed. On XX/XX/XXXX, I emailed XXXX that we were having trouble getting access to the IRS site for some of the information that we needed and asked if there was anything we could provide in it's place. We never received a response to this email. We were able to get the documentation and uploaded it to their loan portal. A week later I gave XXXX a call and left a voicemail. Two days later I tried to call again and when there was no answer, I called the escalation contact on her email, XXXX. No answer, no call back. Next I tried a main line for customer service and ended up talking to someone that said they would email XXXX and her manager. I had already tried that. Kept calling back and eventually got someone that was helpful. XXXX must have left PenFed because XXXX had a new manager. That manager also never called me back. Eventually XXXX returned to work and notified us she had been out of the office. We couldn't get any help because one person was out of the office. Okay, at this point we have two weeks. I work for a bank, I know what you can do for a customer if you really want to. We need an appraisal and that was it. I ended up calling the appraisal company and they told me that the bank could put in a rush request for the appraisal. At this point, PenFed should have been responsible for that but we were willing to pay for it to get it done. PenFed wouldn't even put the request in. We were left scrambling to try to pay in cash, taking out 401k loans for both my husband and myself, which costs money. We have dogs and had no where to go to wait for the loan to close. This was one of the most stressful situations we have been through. No communication from PenFed. When I asked what our options were and how they could help with refinancing, no response. I filled out the surveys they sent, got a call back on one of them and told her our story. No response. As you can see in the attached, XXXX even says that it didn't help that she was out of the office. This is terrible management.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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