23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

USAA received a request from XXXX  XXXX XXXX to provide them a Hold Harmless Agreement or Indemnity Agreement so they can legally transfer my funds back to my account. It has been over a month since XXXX  XXXX XXXX requested this from USAA and they still complete and turned form in to XXXX XXXX XXXX. XXXX XXXX XXXX informed me today the longer my bank takes to complete form the higher the possibility for the scammer to remove my funds. 

My Bank ( USAA ) has sent multiple recall requests and XXXX  XXXX XXXX still hasn't respond the recall. XXXX XXXX XXXX of XXXX XXXX XXXX did a Wire fraud scam impersonating XXXX XXXX XXXX an real estate investor and committing a federal scam. Scamming me out of a total of {$9000.00}. My bank USAA requested numerous of times to XXXX XXXX XXXX along with the police report the circumstance and and XXXX  XXXX XXXX refused to their further investigation to give me my funds back. This scam of {$9000.00} has put me in a bind financially with the owner of the property and financially. I met XXXX XXXX XXXX late XXXX at Real Estate Investor convention in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a Real Estate Investor with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {$800000.00} once I pay the the {$8000.00} origination fee and a {$1000.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from XXXX  XXXX XXXX, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His LinkedIn, and XXXX XXXX XXXX XXXX  XXXX XXXX information ( routing and account no. ) I filed wired fraud investigation with my bank USAA and filed a police report. I have all documentation needed.
Product: Credit reporting or other personal consumer reports

I have XXXX HARD INQURIES ON MY CREDIT REPORT THATS STOPPING ME FROM PURCHASING A HOME. Iam A VICTIM OF FRAUD I NEVER AUTHORIZED THE CREDIT CARD COMPANY TO SELL MY PERSONAL INFORMATION WITHOUT MY CONSENT. I WOULD LIKE ALL OF THE HARD INQURIES TO BE REMOVED OF MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting

Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. Equifax XXXX
Product: Debt collection

In XXXX I was a client of XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Ph. XXXX XXXX XXXX. I had Insurance & went there for XXXX  & XXXX XXXX. WORST XXXX ever, never adjusted -just used a small pogo stick on XXXX  & XXXX  ... awful.. aFTER FIRST VISIT, HE SAID HE WANTED TAKE XXXX.i ASKED IF MY INSURANCE COVERED IT-HE SAID YES ONE SET BUT HE WANTED TSKE 2. iF MY INSURANCE WOULD NOT COVER-HE WOULD NOT CHARGE ME. he never EVEN SHOWED ME THE XXXX. aFTER FIRST ADJUSTMENT HE SENT ME DOWN TO AA ROOM FOR SOME EXCERCISE training. After I asked if my insurance covered this, because if it didn't-I didn't want it & I dont like excercise classes anyway-I work hard. I was asked to sign paperwork about insurance & patient responsability ... I did & WROTE ON THE PAPER : : If my insurance dont cover it I DONT WANT IT. I only went ther 6 or 7 times, found a much better XXXX  & stayed with him a few years until I moved to XXXX   in XXXX. Never heard from the smuck until XX/XX/XXXX when I seen on My CREDIT FILE. contacted office once but got no where. XXXX XXXX was a drunk & XXXX XXXX. I dont owe him anything.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is 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  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX when I received this payment, I was going through a tough divorce and struggling with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Because of this, I decided to resign from my job after nearly 11 years. During this time, I was expecting some funds to be deposited into my bank account. Once I received the money, I paid off most of my debts, but I only made a partial payment on my Mariner Finance loan. My plan was to continue paying it on time each month to improve my credit score. Unfortunately, Mariner Finance did not report my on-time payments over the last six months. As a result, my credit score didnt improve as I had hoped. A few months later, I was unable to find a job for about six months, and my savings ran out, which led to me being unable to continue making payments. I contacted Mariner Finance to discuss a possible settlement to reduce my monthly payment, but the representative was unwilling to offer any solution. As a result, I couldnt keep up with the payments. However, the company was quick to report my missed payments to the credit bureaus, even though they had failed to report the on-time payments I made over the previous six months. Due to this negligence, my credit report has suffered, and I have been denied jobs and credit. I am now in a difficult situation. Just to let you know, I receive Medicaid and Food Stamps because my current salary of XXXX annually isnt enough to cover my immediate expenses, such as rent, utilities, and car payments and food. I'm also a single mom supporting a XXXXXXXX Right now, I'm taking a few courses through XXXX to improve my skills and increase my chances of landing a higher-paying job.
Product: Mortgage

I was shopping for mortgage rates in XXXX, I was about to Choose a XXXX XXXX when I a local regional manager for CMG financial call me and offered me 2.75 %, I confirmed in email that I would pay not points. XXXX XXXX responded in email that it cost 1.25 % but he was giving me a lender credit to cover the points. Now fast forward XX/XX/XXXXand I receive my final disclosure and there are the points with no lender credit. So I emailed XXXX only to get some lie of an explanation that they didn't know it was a mobile home until the appraiser. But my agent has communication with them that we had to change title companies because that title company didn't do manufactured homes. That was early in the process. Now I'm 3 days from closing and they will cost me my home with their lies and deceit. What can be done about this? Its basically lock you in thinking your going to get your home an they switch the interest rate trying to take your dream away from you. 

I did try and resolve this I forwarded the email that had the communication with the area manager to the loan officer, and asked if they would put the lender credit on the disclosure like promised, no response. XXXX XXXX told me he already paid 1.25 % and gave me credit when he locked the loan but this can not be true because it is not on the disclosure so they still owe me the lender credit promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 accounts from XXXX XXXX XXXX I disputed with the credit bureaus to no avail. My dispute is that XXXX XXXX  manipulated my payments to re-age my account. I requested proof of payment they never responded and the credit bureaus are validating this fraudulent activity. I have been affected by Covid-19 and I am just getting back on my feet. 
They reported a payment of {$0.00} on XX/XX/2019. On both accounts. It is illegal and very unfair. I have attached a picture of the page to experience credit report.
Product: Debt collection

XXXX XXXX and direct recovery services repeatedly contacted a third party by text in reference to my account. They contacted me as well. But they texted the third party details abt my account status through text. They had my phone, email, and address the entire time. I expressed to them on at least 7 occasions that they were texting my account info to the wrong person. I expressed this by email, text, and verbally. They continued to ignore my requests to remove the third partys info. I know they can leave messages with third parties.. but they are not supposed to give out my account information.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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: Debt collection

XXXX, reporting as " XXXX XXXX XXXX '' is reporting old debt as new. Old debt of {$2900.00} is more than XXXX XXXX XXXX and should not be reported to credit. Said delinquent date is from XXXX. I then reopened a new line with XXXX in XXXX and have had the same line since. They are now reporting old debt is new and marking delinquent date of XXXX instead of XXXX. I have written them several times to dispute and instead send me negotiations. When I call them they give me a run around and representatives hang up on me. I have tried every way and no success. 
I have uploaded a picture so it can be seen that I currently have a line open with XXXX and it is my current phone number. Also, please note account number. Old debt has different phone and account number. Please help.
Product: Debt collection

XX/XX/2023 I sent this company a letter asking for legal verification & I never heard back from them in the timeframe according to the credit laws. Can you help me? I have going back & forth with these companies for a while. They keep sending statements as verification & this time they sent nothing. 


XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX )
Product: Mortgage

I have been trying to work with Bank of American to either get a modification for my XXXX and XXXX or to refinance them. Over the course of many months, I have tried every XXXX of the Home Loan Assistance they offer with denials because I either have XXXX high of a debt to income ratio or because I make too much money to qualify. That in itself does not make sense because they seem to contradict each other but that is besides the point. I have not missed a payment in the almost XXXX years I have had the loan and am struggling to continue with this record. About XXXX months ago my XXXX mortgage reset to a 4.00 % increasing my payment by about {$700.00} a month. I was working with them before this and they kept denying my applications. Now the XXXX mortgage is going to reset and raise the monthly payment another {$600.00}. I can not keep up with the increased costs. All I want is to refinance into a 30 year conventional loan to keep my payments affordable but they say I do n't qualify because of the 80 % loan rule. I owe about {$390000.00} ( that is including both the XXXX and the XXXX ) and the house is valued at about {$450000.00}. Because there is not enough equity they refuse to help. I do n't understand their reasoning because if I have been able to make the current payments how I would not be able to make the lower payments if I could refinance. I am not asking them to give away money, I just want to refinance to be able to keep my home and be able to pay back the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items with all three credit reporting agencies and the investigation took well over 30 days I was never notified of results or status of my dispute.
Product: Credit reporting or other personal consumer reports

It is imperative that this account does not appear on my credit report because it is not mine and appears to be fraudulent. I urge you to take the necessary steps to correct these errors immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors have violated my rights. Under 15.USC1681 Section 602 states that I have a right to privacy, 15.USC 1681 Section 604A Section XXXX it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15.USC 1666B a creditor may not threat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The companies are in violation are below : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I applied for a payday loan of {$500.00}. It was given to me. Pandemic hit which hurt the entire world. Wasn't able to pay it back. Now I have a lady named XXXX XXXX calling me and my family members every day saying that there is a case being filed against me. I called the number she gave me back. Asked for XXXX XXXX, they replied there is not a XXXX XXXX that works here. Then presented to ask me for my personal information, as well as my debit information to pay an amount of court costs, fines and restitution of {$2900.00}. I of course didn't have the full amount and I wont. I now have gotten a call from my ex which is the mother of my first child, she tells me a constable and an officer are looking for me for warrants in XXXX county, which i have none, I checked. They now have been at her house two days in a row. I know this cant be legal. This is not how the law works.
Product: Checking or savings account

PayPal froze my account after charging me fees for fraudulent transactions and accusing me committing fraud. But they won't allow me to protect my data or close my account. Because my PayPal account is linked to many bank accounts, a credit card, and all my personal details, I demand that they delete all unnecessary accounts and addresses and close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX credit card when never opened by me and needs to be removed from my credit report
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Items to Dispute Personal Information Previous Address 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This company has fraudulent practices. They filed twice my loan in the small claims court. The first time. I had already contacted them to get my account in order. I caught up what was due quickly. They still filed. I continued to make payments through their main office in XXXX XXXX. I finally setup automatic payments because they kept trying to add fees that were not warranted. They changed me XXXX for court cost the first time in XXXX. They filed again in small claims court in XXXX, same judge, saying I never made any payments. This happened in XX/XX/XXXX. Again, I am doing automatic payments. So, this was another action of fraud. I sent response to court stating, I had proof account was current. This made no sense. They have charged me another XXXX for another court cost. My balance should only be {$50.00}. They are saying I owe them the additional court fee of XXXX. They have never reported my account to credit bureau correctly. Though I had account set up to pay automaticly they still show ut every month as past due. I tried to resolve this through them. They insist they did nothing wrong. A criminal organization. I am exhausted! I do not owe them additional fee for something that should not have been filed even once, they did it twice. 
I need help! They depend on people feeling overwhelmed by life to steal from them. I paid the {$51.00} XX/XX/XXXX. I need account reported correctly to credit bureau and additional fee removed of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was " impacted '' by the Equifax data breach.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe someone used my personal info to get credit cards. I noticed there was accounts on my credit which I do not recognize such as XXXX, XXXX, XXXX XXXX, and XXXX  XXXX XXXX and XXXX XXXX. I think I am a victim of identity theft and these accounts are fraud. Help remove with credit bureaus.
Product: Credit card or prepaid card

MIDLAND CRECIT MANAGEMENT PUT SOME ONE ELES INFORMATION ON MY CREDIT I HAND NEAVE HAND ANY TYPE OR CREDIT WITH THEMI LOST MY ID LAST YEARS.
Product: Credit card

I signed up for a Chase Plan, which is an interest saving promotion, late last year. With this plan you put a certain purchase on a no interest payment plan and owe a specific amount each month. When your statement is due each month you are to only pay what chase calls your interest saving balance which is any new charges plus your plan payment amount. I have been doing this each month while using the credit card regularly. However, this past month I had made a large purchase on my Chase credit card to try some clothing from a new brand ( an online retailer ), but 8 of the 10 items ordered got lost in the mail and didnt make it to me. The online retailer provided a refund to my Chase card ( the original form of payment ). Fast forward to my Chase statement rolling over for the month of XXXX and my Chase plan has disappeared. The customer service representative saw that my Chase Plan was removed from my account because the credit to my credit card from the online retailer was applied to the plan and not back toward my Online purchase. This credit wiped out my Chase Plan making my entire balance ( not just the interest saving balance ) due this month. Im unsure whether Chase is purposefully applying credits incorrectly as a predatory practice ( I would think the main function of a credit card and bank as a company are to ensure correct application of charges, credits, debits in their systemseems like basic accounting ) or if this was an honest mistake, but the representative I spoke with told me that Chases application of the online retailers credit to the Chase plan was irreversible. Had I known this I would have not used any Chase products to make purchases while I had the outstanding Chase plan. If this was an honest mistake I would expect Chase would fix their system to apply credits back to purchases outside of their Chase Plan items. I suspect this is not an honest mistake. The Plan was advertised as interest saving, but in the end was just a tricky cash grab.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two errors on my credit report and nothing changed. Every credit reporting agency but Transunuion has removed the errors.
Product: Checking or savings account

Issue Summary : U.S. Bank denied my dispute for two refundable holding deposits, even though the merchant, XXXX XXXX, confirmed via XXXX and text that both payments were refundable. After I requested the refund, she blocked me and kept the funds. What happened : On XXXX XXXX 2025, I paid a refundable holding deposit of {$990.00} via XXXX Pay to XXXX XXXX for a red XXXX XXXX I was considering purchasing. On XX/XX/scrub>XXXX XXXX  2025, I sent an additional {$500.00}, again with her confirmation that both deposits were fully refundable if I chose not to move forward. All communication occurred through XXXX messages and text messages. Before sending either payment, XXXX XXXX explicitly confirmed in writing that the funds were refundable. When I later decided not to proceed with the car purchase, I contacted her for the refund. She acknowledged the request, confirmed the refund would be issued and then blocked me on all platforms and never returned the money. I filed disputes with U.S. Bank for both transactions, but the claims were denied because the payments were authorized. While I did authorize the payments, they were made based on clear written conditions that they were refundable deposits tied to the potential purchase of a specific vehicle. The merchant violated that agreement, and I believe U.S. Bank failed to consider this in their decision.