23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 
Equifax Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXXXXXX XXXX Incorrect Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXcorrect Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX Incorrect Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Name : XXXX XXXX XXXX XXXX  XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX  INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXXXXXX Incorrect Name : - XXXX, XXXX Incorrect Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a CD IRA - acct ending in XXXX that was in its grace period, starting XX/XX/year>. I called on XX/XX/XXXX ( first of 8 calls ) to have the account closed and the proceeds internally transferred to my MM savings account ( also an IRA. ) My last call was made XX/XX/XXXX. I have been unable to reach someone that can tell me the status of the request. CD went into renewal, which was not what I asked to have happen. I would like the account closed and the money transferred to the MM IRA as requested on the XXXX XXXX XXXXXXXX. 

I later completed and submitted paperwork for the same request, although I was assured that this was a back office request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times regarding these addresses do NOT belong to me & that I'm a victim of identity theft, have reported this many times and told them these addresses are a part of the identity theft report and claim. They have nothing to with me neither do the accounts that are attached to them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have mailed in several disputes with the 3 major credit bureaus ( XXXX, XXXX and TransUnion )XXXX XXXX XXXX XXXX shows on my credit report as late 90 days and settled for less amount. It's showing twice which I have never been late nor settled the accounts. It should show Paid In Full Closed Never Late. 

There is another derogatory on all three credit bureaus for XXXX XXXX. I have contacted all the 3 credit companies and XXXX XXXX regarding this XXXX XXXX XXXX XXXX XXXX which I never owed. I submitted several claims and disputes by mail and online and it keeps returning with the same negative information. XXXX XXXX is not aware of this account allegedly belonging to me I am writing to you to please help me get this issue resolved. 

The following is the most recent dispute results opened on XX/XX/2023 and Results came back on XX/XX/2023Report Number XXXX Date Generated XX/XX/2023 XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXXXXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 


Thank very much.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX XXXX  XX/XX/XXXX XXXX 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.
Product: Checking or savings account

On XX/XX/2019, I made an attempt to add an external account to my savings account with my banking institution, Synchrony Bank. Several days later, on XX/XX/2019, I received an email that stated that the deposit verification process for adding an external bank to my account failed. Afterwards, I log into my account and realize that my account has now been restricted. I called up the company at ( XXXX ) XXXX asking why my account is now restricted. They explained that for security purposes my account is restricted because of the unsuccessful attempt to verify the deposit of my external bank account. Also, they later explained that my account is under review and that the restriction should be lifted after the investigation in about 60 days. Over 60 days later, I have realized that the external bank account I added contained the incorrect banking information ; the routing number and account number came from one of my paychecks. So, I call up the company again and I explain this to them. The company gave me the same reply from before ; in about 60 days the investigation should be over and your account will be unrestricted. Over 60 days from the original date my account is still restricted.
Product: Debt collection

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX MI XXXX XXXX XX/XX/2024 Caine & Weiner XXXX Company Inc. Collection Agency XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX RE : Debt Dispute and Fair Credit Reporting Act ( FCRA ) Violations Account # XXXX Dear Caine & Weiner XXXX This letter serves two purposes : Dispute of Debt : I am writing to formally dispute any and all debts that you are attempting to collect from me. I do not recognize any debts owed to your agency. 

Fair Credit Reporting Act ( FCRA ) Violations : I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) alleging that your collection practices violate the FCRA in the following ways : 12 CFR 1006.34 ( b ) ( 5 ) : You have not provided me with the required validation information regarding the debt, including the name of the original creditor, the date of the debt, and the amount owed.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given a reasonable opportunity to dispute the accuracy of the debt before it was reported to credit bureaus. I request a proper validation notice allowing me to contest the debt.

12 CFR 1006.34 ( d ) & 15 USC 1681-s-2 ( 7 ) ( A ) : If you have reported this debt to credit bureaus, you have done so without providing the necessary disclosures required by law, including information about the validation process and my rights to dispute the information.

Additional Requests : In accordance with the FCRA, I also request the following : Debt Validation : Please provide me with a written validation of the debt, including the original creditor 's name, account number, date of delinquency, and a copy of the original purchase agreement between the creditor and Caine and Weiner.

Proof of Licensing and Bonding : Please furnish documentation proving you are a licensed and bonded debt collector in the state of Michigan.

Communication Revocation : Furthermore, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am revoking all rights for Caine & Weiner to communicate with me via email, text message, or phone call. Please restrict all future communication to written letters sent to the address above.

I expect a prompt response to this letter, including the requested validation documents and confirmation of my communication preference. If I do not receive a satisfactory response within 30 days, I will be taking further legal action. 

CFPB Complaint : I have also filed a complaint with the CFPB regarding the violations outlined above. You can expect to be contacted by them shortly. 


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

CBE Group is reporting a debt on my credit file that I need validated. I am not asking for verification of the debt but for validation I am legally obliged to pay them for this account. I have attached a letter with my demands.
Product: Mortgage

My mortgage has been serviced by Home Point Financial since I originally bought the house about 8 years ago. I have ALWAYS paid my mortgage on time and have always paid more than the monthly amount due in order to pay down the principal and pay it off more quickly. This was never an issue until 3 months ago and now every month instead of Home Point Mortgage putting the additional amount I pay towards my principal they are instead paying it towards future escrow and interest payments which is paying themselves instead of putting in towards my principal. This is infuriating. I called them twice and had them reverse and now this last time they were supposed to and they did not reverse. So they are stealing my money and I'm talking over {$3000.00} for last month. The total amount left on the mortgage should by about $ XXXX but it's still $ XXXX since they aren't handling my payments correctly. It seems that since they see that I'm paying this off quickly that they are trying to keep me from doing so by applying my payments to where they want to continue making $ $ off of me. BTW, there is NO Pre-payment penalty to this mortgage. Home Point Financial should be investigated and fined and I should have my mortgage payments fixed by them for this absolute illegal activity.
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase on XXXX through XXXX XXXX utilizing Paypal XXXX XXXX XXXX, and at that time, Paypal withdrew my first initial payment of {$180.00} which they pulled from my credit card, on the same day I cancelled the transaction through merchant and the merchant refunded Paypal. When I did not see that Paypal credited my credit card company back the {$180.00} and the charge posted, I initiated a dispute. with my credit card company. XXXX XXXX did not provide any provisional credit, they held the funds for the entire investigative process. Paypal refunded my Paypal account, I was unaware of that at time of dispute, when I discovered it, I thought a resolution had been made or they would respond to the dispute. Then they took out a second payment, when I contacted Paypal they stated that I had to pursue my own refund from XXXX XXXX, then another agent stated that because I initiated a dispute they were pulling another payment. So I initiated another dispute because I did not authorize the payment, they then initiated another withdrawal and kept withdrawing money for a total of {$560.00} until I would not fund my XXXX XXXX  any more. They initiated over XXXX transactions that rejected due to not enough funds. They refused to stop pulling money. They kept stating that I kept disputing transactions and until the XXXX XXXX XXXX  was satisfied I would keep paying, to date I have only been reimbursed for {$370.00} from the dispute process yet after talking to them today they said the only way to resolve this is to pay them an additional {$180.00}. My credit has been impacted and now its is lowering my score and effecting other accounts because of their negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX XXXX XXXX is reporting this account as a " Legally paid in full for less than the full balance '', which should not be any derogatory mark. I paid this account in full, then requested the account to be closed when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, but XXXX XXXX failed to notify me of the account 'NOT '' being closed. The XXXX XXXX sales representative sales manager stated my account was at a XXXX balance and my account was closed, in XXXX of 2019 before my planned XXXX, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the XXXX forces. I have disputed this account numerous times within the past 3 years and I have not received any instrument of indebtedness, contracts with my signatures, or statements of agreement. This company has continuously violated my consumer rights with incorrect account reporting and negligent account reporting. Please update this account to " paid '' and remove all associated late payments or delete the account in its ' entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act .The list of accounts below has violated federally protected consumer rights to privacy and confidentially under 15 USC1681 XXXX XXXX Delaware XXXX XXXX XXXX XXXX # XXXX 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 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) section sates : no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I purchased a prepaid gift card on XX/XX/XXXX, from XXXX, my local grocery store in the amount of {$230.00}. After registering the gift card, I was scammed. I called the toll-free number, XXXX found on the back of the card, and they explained that they could not speak to me about the card because I wasn't the owner of the card. I explained to them that I purchased the card and have the card in my possession and that's when I discovered someone in Texas was using the card. The customer service agent explained that I needed to file a claim and to submit a copy of the front and back of the actual gift card, my receipt, and a copy of my drivers license to prove that I was the owner of this card. I faxed this information to ( XXXX ) XXXX. I followed up and they informed me that I needed to wait XXXX business days to receive the fax and process this information. I have been following up every since. At first, they said the picture were too small and illegible. I resubmitted a clearer copy of the card and my id. They received it and stated I needed to provide a larger copy of my id. I have faxed it over 4 times and continue to follow up. I feel as if they're giving me the run around now. I faxed the requested information on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and the issue is still not resolved.
Product: Debt collection

I got a call from the Cherrington firm in XXXX Utah and with out confirming they had the correct person the representative named XXXX provided the account details and amounts owed with out trying to make sure they had the correct person I do not have any documentation but I can get it and I do have a number which is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had decided I wanted to get a copy of my credit report and find out my credit score. On XX/XX/XXXX, I went first to consumer.ftc.gov, and that website transferred me to the annualcreditreport.com website. That website asked me where I wanted to get my credit scores from. I clicked on Transunion and was transferred to the transunion.com website. There I was asked again where I wanted to get my credit scores from. This time I clicked on all three credit reporting agencies. At that time, I did not know that, while credit " reports '' are free, credit " scores '' are not free. After Transunion showed me my Transunion credit score, I logged off. I figured I would receive notification of my credit scores from the other two credit reporting agencies by email later. What I was not expecting was a notification from my credit card company that Transunion had billed me {$29.00} and {$19.00}. I called Transunion ( XXXX ) on XX/XX/XXXX to find out what these charges were for. The Transunion representative informed me that obtaining credit scores from all three reporting agencies cost {$29.00}. I don't recall seeing that on the website, but at least I got something for what I paid. But when I asked what the {$19.00} charge was for, the Transunion representative told me it was for one-year of a credit monitoring service. I said I was not aware that I had purchased that credit monitoring service, and that I did not want it. I asked to cancel the credit monitoring service now. The Transunion representative told me that they could cancel the automatic renewal of the credit monitoring service at the end of the year. I said, " No, '' I do not want the service, I want the service to be canceled now, and I want the {$19.00} charge to be reimbursed. The Transunion representative just repeated that they would cancel the renewal, but that they would not cancel the first year 's service. For this reason, I am filing this complaint : Transunion will not let me cancel an order for a credit monitoring service that I did not know I had ordered, that I do not want, and that has not yet been performed.
Product: Checking or savings account

On XX/XX/2019 I opened up this U.S. bank checking account with the promise of a {$300.00} opening bonus using this link https : //www.usbank.com/checkingbonus2019/. I used promo code XXXX. Months later I became aware of an issue regarding this promotional offer via a popular banking blog website. US bank has documented records of the wrong code being applied to accounts during the morning of XX/XX/XXXX. I have been in contact with multiple bankers at USBANK that have said they fixed the promo on my account and have corrected the issue as well as XXXX XXXX. who says I did indeed meet the requirements for the bonus. Nothing was fixed and I have screenshots of the website as I applied for the account and screenshots of the popular blog website discussing this error that effected many others.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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: Mortgage

I contacted Wellsfargo when I started struggling to pay my mortgage. I asked for help with the {$1100.00} plus a month in a neighborhood, where houses where not worth half of that. ( truth ) They suggested that I modify or at least try. They denied modification after all that and I continued to struggle to pay payments until I could no longer afford to keep the house after 30 years when it should have been paid for. So I had to pack up my stuff and move from my home of thirty years. The sheriff was notified that I had to be off the property. Wellsfargo took thousands of dollars from me because I didn't know any better. All of this took place from XX/XX/XXXX to XX/XX/XXXX XXXX