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

After reviewing my credit report I must inform you that I am NOT responsible for the listed account ( XXXX ) as I have been a victim of identity theft. 

Ive already notified both my local Police Department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. 

Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. 

I am instructing you to please delete the following fraudulent account ( XXXX ) and inquiries from my consumer report immediately. 

Accounts : Reference Number : XXXX / XXXX XXXX XXXX XXXX / Account # : XXXX / Amount : {$8000.00} Reference Number : XXXX / XXXX XXXX XXXX XXXX XXXX Account # : XXXX / Amount : {$1000.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please delete the following inaccurate information listed below. 

Name ( XXXX ) : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Address ( XXXX ) : XXXX XXXX XXXXXXXX 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 XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Email address ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX Phone number ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Education : Graduation - XXXX ; Address - XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

Dispute filed I've emailed and went into the branch several times. No one has helped I have several other items that won't load to the portal
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX XXXX XXXX is reporting I have 5 missed payments on student loans that are duplicate accounts to Transunion. All of my school loans have been deferred for years now, because I am still in XXXX. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

As a military verteran, I attempted to refinance my existing home loan with USAA XXXX XXXX. I initiated the process in late XX/XX/2017 and worked with XXXX XXXX. During the process, I provided extensive information regarding my income, debts and the value of my home. USAA completed an appraisal and provided no less than three good-faith estimates of my anticipated closing costs. At most, the estimates for closing costs were no more than {$5500.00}. 

Two days before closing, I received an " updated '' estimate that placed closing costs at {$64000.00}. XXXX XXXX refused to explain the discrepancy and blamed it on an " underwriting decision. '' She promptly closed my loan file when I refused to pay the {$65000.00}. 

I wrote a complaint to the USAA Chief Executive Officer, who referred the matter to corporate representative XXXX XXXX. XXXX XXXX admitted that XXXX XXXX had made an error and explained that my case " would be used in training '' USAA representatives. Beyond the error, XXXX XXXX declined to make any corrections to the loan file or otherwise assist me. 

I believe that changing the loan terms at the last-minute, without any chance to address these issues, constitutes predatory, bait and switch lending under California and federal law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize XXXX, TransUnion, or XXXX to include the following accounts on my report : - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  # XXXX - XXXX XXXX XXXX XXXXXXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX -SXXXX XXXX XXXX XXXX # XXXX The open dates , dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties. 

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Product: Mortgage

I have received a letter from Selene Finance regarding the servicing transfer. 

This is the only document I received from them. I received this on XX/XX/XXXX. I used the coupon in the document and pay the XXXX payment. 

They have been calling me and tell me I am late on the payment, which I am willing to pay. However, I have never received a statement or payment coupon for me to use. 

I have requested my mortgage statement and payment coupon for four time, and all their customer services told me they have put the note in. 

First time was requested on XX/XX/XXXX XXXX XXXX  PT by phone. 

Second time was requested on XX/XX/XXXX XXXX XXXX PT by phone. 

Third time was requested on XX/XX/XXXX XXXX XXXX  PT by phone. 

Fourth time was requested on XX/XX/XXXX XXXX XXXX  by email.
Product: Debt collection

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX, who is acting as a debt collector on behalf of Discover Bank. I am experiencing significant financial hardship due to my XXXX XXXXXXXX and am XXXX XXXX XXXX XXXX XXXX from the Employment Development Department ( EDD ). 

On XX/XX/year>, I contacted XXXX XXXX XXXX XXXX to discuss a potential settlement for my debt with Discover Bank. Following their instructions, on XX/XX/year>, I sent an email detailing my situation and providing documentation of XXXX XXXXXXXX and XXXX XXXX. Despite my numerous follow-up attempts, including multiple voice messages, XXXX XXXX XXXX XXXX has not provided a clear response. 

In my email, I explained that I am currently XXXX and facing severe financial difficulties due to XXXX XXXXXXXX and XXXX XXXX. I outlined my debts, including judgments from XXXX XXXX and an impending judgment from XXXX XXXX, totaling over {$40000.00}. Despite these challenges, I am committed to avoiding bankruptcy and proposed a lump-sum settlement of {$4600.00} for my debt with Discover Bank XXXX This offer is consistent with the settlements I am negotiating with other creditors. Resolving this debt is crucial for my financial and mental health, and I am prepared to make this payment promptly if accepted. 

When I finally reached XXXX XXXX XXXX XXXX by phone, I inquired about the status of my settlement request and was told that it was denied. However, when I asked if the denial came from Discover Bank, who owns the debt, I did not receive a clear yes or no answer. Instead, I was given vague responses such as " the offer I made is not good. '' The objective of sending documentation and explaining my hardship was to have Discover Bank review it and decide as the owner of the debt. 

Despite providing the requested documentation and a detailed explanation of my situation, XXXX XXXX XXXX XXXX 's lack of clear communication has caused significant stress and hindered my ability to resolve this matter amicably.
Product: Money transfer, virtual currency, or money service

I went into my bank branch on XX/XX/22 and sent a wire transfer to a Bank XXXX XXXX account in the amount of {$15000.00}. I have since learned that the website I was working with, has become a ghost. I would hope Bank XXXX XXXX would see this as a fraudulent bank account, as I have learned I am not the only victim of this fraud scam.
Product: Credit reporting or other personal consumer reports

I've been disputing this with Truist Bank for over a year. A investigation was done and completed by Truist fraud dept, as well as the XXXX XXXX. The investigation lasted for over 2 months and it was determined that fraud actually occured with the account, and I was not held responsible for the unauthorized purchases, and was via XXXX another business card ending in XXXX. The fraud occurred on the XXXX account. The XXXX account was immediately closed on the same day I reported the fraud. After the investigation, I was issued another card, but still responsible for the debt on the unauthorized purchases that were investigated and closed. I was told to contact XXXX, and he never answers. I left over XXXX messages with case number, contact number, and XXXX XXXX does not reply, so to have to contact him once again when he is completely ignoring my calls is a clear violation of My consumer rights. I will be suing Truist by filing a Civil Suit immediately.
Product: Mortgage

XXXX is our current mortgage company and in the process of applying for refinancing they did not provide adequate guidance in that process. The loan officer would give us lists of things to do, such as paying things down, and closing open disputes in order to get our credit up to complete the loan process. In doing so they would repull our credit everytime and give more guidance. The process was horrible. So we decided to use Quicken Loans since they provided proper advice in helping us correctly. During this process we lost our loan capability due to a 5 point credit score drop over the entire process that involved almost 10 credit pulls combined by the 3 companies. That unprofessional guidance along with greedy loan officers has caused us to spend thousands paying the things off they asked us to pay and left us with no refinance to regenerate the money we lost in the process. We have made our house payment the last 7 years without missing a single payment and jow are denied based on 5 points in a system they abused through too many credit inquiries.
Product: Credit card or prepaid card

On XX/XX/XXXX I loaded my card through XXXX XXXX for the amount of XXXX dollars. I have never received the money from card.com. I have have called both XXXX XXXX and card.com and the issue has not been resolved. I do have a tracking number and verification that the money has been received to card.com from XXXX XXXX, they still will not refund or explain where my money is. They continue to tell me in 48 hours I will have a resolution and it's been sent to escalations but absolutely no follow ups and my money is still missing. I just want my money back.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested that XXXX remove the inaccuracies on my consumer report concerning tradelines and hard inquiries. XXXX, Equifax and XXXX have failed to promptly update and correct information that was furnished to the Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ).

Information was furnished to CRA about severely delinquent or charge-off accounts but failed to furnish Dates of First Delinquency for those accounts in violation of FCRA 623 ( a ) ( 5 ), 15 USC 1681s-2 ( a ) ( 5 ). 

Due to the failure to delete the inaccurate information and willful noncompliance I am request damages as well.
Product: Money transfer, virtual currency, or money service

My PayPal account can not be linked to the bank and withdraw cash, and I have called the customer service representative many times to solve the problem, please help me!
Product: Student loan

Upon graduation, I contacted Navient on the repayment on my student loan. They told me that I no longer qualified for the 6 month grace period since I already used it the year before when I had to take off XXXX semester due to moving out of state with my husband who is in the XXXX XXXX. My college told me that I should still be eligible for a 6 month repayment grace period directly after graduation. I also contact Navient to ask them to lower my monthly payments since I was expecting to have a 6 month grace period and I was still looking for full time employment. They were very rude and said that they could not help me as there was nothing they could do and hung up on me.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan of {$40000.00} from SoFi that is supposedly a fixed XXXX XXXX XXXX and the balance owed continues to grow rather than decreasing. My payment is {$1300.00} and I am paying {$1500.00} to try to decrease term of the loan ( without penalties ). Granted, I am only two months in to payments, but I don't understand how the a fixed rate loan 's balance owed increases in between payments. I have contacted them via chat only, and not via phone due to long wait times. The chat did confirm that I have a fixed interest rate but that it accumulates interest daily and that is why the balance owed increases daily. I feel like this is false advertising/ not truthful lending practices and that I would not have agreed to the terms if I knew the amount will continuously grow rather than pay down. The truth in lending is not outlining that the remaining balance grows. I searched for a personal loan over a credit card or line of credit so I could pay down my debt, not accumulate more debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my dispute regarding Inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a through investigation. This practice violates the Fair Credit reporting Act ( FCRA ), 15 U.S.C which mandates a reasonable investigation disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 



These are the accounts thats reporting. 
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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

There were unauthorized transactions on my Wells Fargo debit card from approx. XXXX XXXX through XXXX XXXX. The loss prevention department has issued a provisional credit for a portion of the charges. They issued only partial credit because at the time, some of the fraudulent transactions were pending. I am expecting another credit for approximately {$50.00}. Wells can not give me a timeframe as to when this credit will be posted to my account. In part due to Wells Fargo 's misfeasance, I am now homeless. I do not expect the bank to provide housing, but I would like a clear and definitive answer as to how long it will take to receive the money. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several investment properties which I've been paying on auto pay for years. In XX/XX/2022 my mortgage provider, XXXX mortgage, transferred my loan to Freedom mortgage. I did not receive notice of this. Months later, in XXXX, by chance I noticed my credit report took a major hit due to a late payment to Freedom mortgage. 

I called them to figure out what happened, and it turned out they were now the servicer of my mortgage, and so I was late paying them because I had not realized that my mortgage had been transferred. They had an old address of mine on file, an incorrect home phone number listed that was not mine or any of my past phone numbers, the correct mobile phone number, and the correct email address. In addition, I had been receiving advertisements by email from them for months, but received no emails relating to billing or late payments. 

I immediately paid off the bill and requested Freedom mortgage remove the late strike on my credit report, and they refused. I filed disputes with XXXX, XXXX, and XXXX, and they refused to rectify the situation. Finally, I contacted an attorney, and they suggested I reach out to the CFPB. I've had a stellar credit report my entire life, and never miss any payments, and now my XXXX XXXX is down over XXXX points due to this issue. I feel this is not my fault, the mortgage provider had my cell phone number and email address, which they were using to advertise to me for months, but never sent any notice of bills due or late payments.
Product: Debt collection

Repeated calls, all hours, Do not owe this company, not my debt. Don't know why they keep calling.
Product: Debt collection

The company which is pursuant to sue for wage garnishment have not ever spoken to me, notified me of my knowledge by mail or any other form of communication that they were the direct agent assigned to resolve the debt until I received a summons for a wage garnishment lawsuit against me. The company is misleading on my credit reports & in summons that they have a record of constant communication with me concerning my default account. I have spoken to no actual representative at all to resolve anything. Also, the statute of limitations is up for this account. So, far I responded to the summons to go to trial by XXXX XXXX, 2017 and will be sending a sworn denial on XXXX XXXX, 2017 with courts and trying to follow the FCDPA guidelines.