23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo did not accurately record our payoff amount and did not provide correct amount for disbursement. They kept changing the payoff amount also and added penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am certifying and contesting that this letter has been sent with my free XXXX. I am contesting out of good will and faith that I have not hired any third party to communicate on my behalf. 
I am an identity theft victim. This item that appear on my credit report do not belong to me. Due to you all reporting this item and incorrect information on my report, I am in fear that this will cause even more identity theft and harm to my credit reports. As it is your due diligence as a reporting agency to make sure that what you are reporting is ACCURATE. 

This letter is in request that you all follow suit with section 605B ( 15 U.S.C 1681 C-2 ) which states that you are to BLOCK these fraudulent account off my reports within FOUR days of receipt of this letter. I am asking that you all remove this items off my report within FOUR business days of receiving this letter as they do not relate to any transactions that I have made. 

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

The credit inquiries below are damaging to my credit rating. I have asked Transunion multiple times to provide full documentation regarding the circumstances surrounding their release of my credit report pursuant to the permissible purpose provisions of the fair credit reporting act. I have also filed a FTC report with the following inquiries and they failed to respond to my request for removal. 

1.XX/XX/XXXXXXXX XXXX 2. XX/XX/XXXX XX/XX/XXXX 3XXXXXX/XX/XXXX XX/XX/XXXX 4.XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX 5.XX/XX/XXXXXX/XX/XXXX 6.XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7.XX/XX/XXXX XX/XX/XXXX 8.XX/XX/XXXXXX/XX/XXXX 9XXXX XX/XX/XXXX If Transunion can not provide such documentation, they are obligated to remove the offending inquiry at once
Product: Debt collection

A collection for {$3400.00} was added to my XXXX credit report XX/XX/22. This is NOT my account. A similar collection attempted to be added to my account about 2 years ago, it was proven to NOT be mine, XXXX nor XXXX allowed Zions Debt holding to report anything on my credit report because it is not accurate & can not be validated.
Product: Checking or savings account

I visited XXXX XXXX XXXX, XXXX between XX/XX/2023 and XX/XX/2023. On XX/XX/2023 I was sitting outside of a restaurant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when a XXXX  man drove by on his motorcycle XXXX times. On the third pass by, the man then snatched and grabbed my bag that was sitting next to me on my chair outside of the restaurant I was eating at. The bag contained my phone, wallet, and travel documents. Chasing after the thief was useless as he had already turned onto the XXXX XXXX of XXXX XXXX XXXX XXXX. I immediately notified the restaurant I was eating at that I had my belongings stolen from me and was told that they could do nothing about it but allowed me to return another day to pay for the meal since all of my money on hand was in the bag that was stolen. I then was told that the XXXX XXXX XXXX XXXX police station was only just down the road on the main XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. I walked over to the police station and explained what had happened and was asked if I wanted to file a theft report. I insisted but then was informed that all police reports MUST be filed in the vietnamese language. I do not speak or know any vietnamese language so I requested a form of translation since I could not use my phone because it was in the stolen bag. The officers stated that " we are police officers, not translators '' to which I then requested that I would need to go back to my hotel to use my laptop to translate the report and file it. They allowed, and when I returned I filed the report. After filing the report, I then called Bank of America on the same day to report what had happened but realized that someone had already began charging every card that was in my wallet. I was charged over {$3000.00} in total, of that amount, {$410.00} was charged to my Bank of America checking account debit card. 3 days later, I returned to the XXXX XXXX XXXX XXXX to ask for a copy of the filed theft report and was told that they have no idea who I am or what I was talking about, saying that " if '' I did file the report then I still would not be entitled to a copy of the report as it is against their law. I was instructed that " if '' I did file the report then to wait and they will contact me if anything comes up. Then on XX/XX/2023, Bank of America notifies me that my claims for my checking account and debit card have been denied for the fraudulent transactions that the thief charged to my account. Very odd, since Bank of America 's policy is {$0.00} fraud liability and it is federal law that customers are not responsible for unauthorized transactions. Bank of America has not provided any proof for denying my claim besides saying that they are 'Unable to pay ' and that 'The charge was authorized by you or made by someone who has permission to use the card or account '.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was given the option to apply for a Carnival XXXX XXXX XXXX  card via Barclays Card Services. My XXXX  didn't qualify because my XXXX  was taking place in XX/XX/year>, which was less than 90 days out ( their rule/policy ). I called Barclays to ask them to notify all 3 credit bureaus to delete the hard inquiry. The representative told me to contact XXXX XXXX XXXX, but they weren't the servicer.
Product: Debt collection

The hospital reported a debt I have paid to the credit bureau. I have a copy of the check which the hospital cashed on XX/XX/2016. This hospital uses XXXX XXXX for in house work then bills from the hospital ; it, the account # starting with XXXX tells it from the XXXX. I have a copy of the paid bill I will submit.
Product: Credit reporting or other personal consumer reports

The Problem : XXXX XXXX 's " Apply with Confidence '' tool is designed to give you a sense of whether you'll be approved for a card before you formally apply. They promise this pre-approval check will only involve a soft pull on your credit, which doesn't impact your credit score. 

I did not agree and did not consent to a hard inquiry. 

False advertising XXXX XXXX 's marketing materials led me to believe there would be no impact on your credit score. 
Breach of trust I relied on their promise and felt misled by their actions. 
Unfair practice Hard inquiries can negatively impact your credit score, affecting my ability to get loans or other credit cards in the future.
Product: Mortgage

I reached out to you this month regarding my mortgage. Bank of America was informed of my complaint. They did contact me afterwards confirming it was me ( XXXX XXXX ) who contacted you. The rep said I will receive something in the mail. In which I got Monday ( XX/XX/XXXX ) The attachment I am sending is basically the same brief conversation I had on the phone. I did as instructed and only got voicemail. I will call again today to see what happens but Im not getting anywhere. 

The complaint is a follow up on this. 

Since XXXX I have been trying to work with countrywide for a fixed affordable mortgage. During negotiations, countrywide sold to Bank of America without fixing or modifying my mortgage. I proceeded with Bank of America to get a fixed affordable rate. The same employee I spoke to for my modification is from countrywide, now a BAC representative. Things are worse for me because the pandemic and The employee made it clear because of the pandemic its impossible to refinance and they will not help/negotiate anything and so now were in forbearance. Meanwhile adding more money to the end of the mortgage so they can add more interest on forbearance. The mortgage started at {$180000.00} and will now be {$270000.00} and climbing so all they have done to help us raise my principal {$90000.00}. I am looking for any help I can get or a referral. NOTE : The original mortgage terms was {$50000.00} at 12 % plus {$180000.00} with fluctuating mortgage rate. I was able to pay off the {$50000.00} while struggling with the other. As a first time home buyer I didnt know what I was getting into. All Im hoping is to have a fixed mortgage at a fair interest that is affordable.
Product: Checking or savings account

Unrecognized transaction, the institution reviewed the transaction and ruled in my favor, the transaction did not reflect the name of the establishment, even so the banking institution has not returned my money, the amount is XXXX XXXX The institution said that it would return my money no later than XX/XX/XXXX, but it is today and the money has not been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inaccuracies with XXXX XXXX Account on my profile. 
Experian, XXXX XXXX XXXX are also showing the following inaccuracies : Date Opened : XXXX Experian- XX/XX/XXXXXXXX XXXX XX/XX/XXXX High XXXXXXXX XXXX XXXX {$26000.00} Experian- {$26000.00} XXXX XXXX$7900.00} Last Reported : XXXX Experian- XX/XX/XXXX XXXX- XX/XX/XXXX Comments : XXXXCharged off as bad debt Profit and loss write-off Experian-Unpaid balance reported as a loss by the credit grantor. 
XXXX off account Auto Date Last Active : XXXX Experian- XX/XX/XXXX XXXX Date of Last Payment XXXX XXXX Experian- XX/XX/XXXX XXXX The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told Experian I had tried to contact the XXXX XXXX XXXX XXXX that says I have an open card on my credit, they have not responded to my messages or emails or provided any type of communication. Maybe I cant find the most direct number to them. But I disputed it and twice they claimed it's an accurate account but wont give me any information. I do not agree with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXXXXXX A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
This is a violation of this law. 
I did not authorize the company to put transactions and the account on my credit report and they violate this law, I want this account deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

File a dispute with Experian, in XX/XX/XXXX and XX/XX/XXXX. I have 2 accounts that show status date XX/XX/XXXX and XX/XX/XXXX Experian did not investigate nor the companies I will upload the proof of my report on each account. Ordinal status dates from when account was open. I want these 2 accounts deleted.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. Chapter 7 Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , I was   XXXX   and in search of new car. I went to   XXXX   XXXX     XXXX  in  XXXX , SC and spoke with a gentleman with the last name of  XXXX . We came to an agreement on the car that I wanted and we were negotiating the price, I filled out an application but told him that I would not give it to him to run until we get the car prize down. He wrote down an offer and took it to his superiors to finalize. His superiors ran my credit and reneged on the offer that they intitally gave and that  XXXX  offered. I left the delearship with no car and about  XXXX  hard inquiries on my credit. He intitally told me that when we come to an agreement and he runs my credit, it would only result in  XXXX  inquiries. I bought the agreed upon car for the agreed upon price in  XXXX   XXXX  at another delearship. I filed complaints about what happened, but no one has been able to help me. I have no recourse to get these hard inquiries off of my credit and  XXXX   XXXX  is probably still doing shady practices to unsuspecting consumers.
Product: Vehicle loan or lease

We were provided the 10 day payoff but the representative provided a business office address which was incorrect when relating to where the pay off checks are to be mailed. We XXXX the total loan amount in the form of a cashiers check. When they received the check, they then stated we did not endorse it ( which was false ) and sent it back to us via regular mail. When we received the returned check, we confirmed it had in fact been endorsed and we immediately sent it back yet again to the pay off office via USPS overnight. After applying the check to the loan amount, bridge crest stated that we had accrued additional interest due to the delays in payment. We called numerous times and were given different replies on each call. We were advised the additional interest would be waived and then advised it would not be waived. Our last communication was they would not remove the fees even though their notes reflect their error. They still have our vehicle title and state we owe them {$200.00} for additional interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 the company XXXX XXXX sold a sick puppy to me. Not only were the selling practices unfair and unethical the contract and selling price of the puppy are not the same. As seen in the contract with XXXX XXXX XXXX XXXX the selling price of the puppy was XXXX with a XXXX tax fee. Now on the original sellers receipt which I have added below the sellers price for the Animal was instead XXXX. The contract and original sellers receipt both depict inaccurate information to the sell of the animal. I have reached out to the company on several occasions to alert the dog did not live past the warranty initiated by the original seller. The company then sold the account to a debt collector upon looking over the information. I plan to see higher counsel if the company does not attempt to settle the debt as stated in the contract the selling price and original price are not accurate. The itemized description states puppy the original selling receipt shows that the price listed and the price charged were in fact not the same.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes 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 thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of 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.
Product: Vehicle loan or lease

XX/XX/year> dealership XXXX XXXX XXXX ran my credit with several banks that denied myself and my husband. I want it off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled XXXX XXXX Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX 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

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2017 I recieved a debt I felt I shouldnt have to pay from a apartment I use to live at amount is XXXX we told the lady we was leaving and we finish our lease but she told us if we dont come sign papers then we automatically will been put into a month to month contract so weird right? How are you going to put us into something without or permission all we have to do is tell you we are not resigning to stay just like any other apartment I stayed or anybody else I know stayed everyone I talked to said that sounds stupid and looks like they are trying to get over on you. This is wrong
Product: Credit reporting or other personal consumer reports

Inaccuracy of Information : I recently obtained a copy of my credit report from XXXX XXXX XXXX and discovered several inaccuracies : 1. 6 counts of inaccurate names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  ) 2. 7 counts of inaccurate non-mailable addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 3. 3 counts of Inaccurate employer information Experian is in violation of my consumer rights pursuant to Title 15 U.S.C. 1681by reporting false information on my credit report.
Product: Debt collection

I believe that this account was paid off back in 2014. It had been removed from my credit report until a few weeks ago when it suddenly reappeared, claiming i owed over {$600.00}. i went to the webite of the account in order to find out what payments were made and if i actually did owe them this amount but they don't have any information about the account whatsoever. 

At the very least, this account is uncollectable based on the statute of limitations for california. I have emails regarding this account which show that the last activity on this account was late 2014. 

polease have it removed from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  XXXX  to report the same account for {$1.00} more than what was reported before.
Product: Credit reporting 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. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

According to 15 USC 1681c-2, This is my statement of all my listed accounts that have been reported without my express, written consent, and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 
Fraudulent listed accounts as follows : 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 XXXXXXXX Delete these accounts IMMEDIATELY!!!