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

I received a credit inquiry om my Experian file on XX/XX/2023 from XXXX XXXX XXXX. This is a fraudulent loan attempt for bill consolidation in the amount of {$1000.00}. I did not request this loan and believe that someone has made an unauthorized attempt to obtain a loan utilizing my credentials. The contact email the requester submitted was XXXX.
Product: Credit reporting or other personal consumer reports

The reinserted accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The incorrect address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Violations of FCRA laws ( Section 611 ( a ) ( 5 ) ( B ) for reinsertion and Section 605B for fraudulent information.
Product: Credit reporting or other personal consumer reports

This information is incorrect and is in my report in a negative way, please delete. 


XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX-XX/XX/2022 XXXX XXXX XXXX - Incorrect
Product: Credit reporting or other personal consumer reports

I am submitting this urgent complaint regarding TransUnion 's blatant violation of my rights under both the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ) and the XXXX XXXX Repair Act ( DBRA ), H.R. 2332. As a victim of XXXX XXXX I am entitled under federal law to have any adverse items linked to this experience removed from my credit report. Despite providing this notification to TransUnion, they have failed to comply with the legal obligations mandated by these laws, causing significant and ongoing harm to my creditworthiness. 

Violations Committed by TransUnion : Failure to Remove Adverse Items in Violation of FCRA Section 605 ( c ) : Section 605 ( c ) of the FCRA explicitly mandates that consumer reporting agencies, such as TransUnion, remove adverse information related to XXXX  upon notification. TransUnion has failed to remove multiple adverse accounts that are linked to my XXXX  XXXX  experience, in direct violation of this provision. 

Violation of the XXXX XXXX XXXX XXXX ( XXXX ), XXXX. XXXX : The XXXX, passed as part of the National Defense Authorization Act of 2022, prohibits XXXX XXXX XXXX from reporting adverse information resulting from XXXX. TransUnion has continued to report such information, ignoring the protections this law grants to survivors. As a XXXX  survivor, I am entitled to self-identify the adverse information that resulted from my XXXX  experience, and TransUnion has disregarded these protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : XXXX, Experian, and XXXX XXXX. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again inXX/XX/XXXX presented pertinent evidence that non of the inquiries and/or two fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX, they ( credit bureaus ) stated they will not remove any of the information as it is verified. I provided again in XX/XX/XXXX a police report stating the facts. The two accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.
Product: Student loan

I have sent an online message to MOHELA on XX/XX/2023 with no response. Today XX/XX/23 I got the following message from MOHELA : " Your recent secure message received on XX/XX/2023 is expected to be reviewed and responded to within the next 15 business days. ". 

This means that it takes TWO MONTHS to receive a response from my loan servicer. When you submit an online message MOHELA 's website says " response with in 3 to 10 days ''. So their website is relaying inaccurate information and their response time is 2 months to answer an online message which is simply unacceptable for a loan servicer I owe thousands of dollars to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts from my credit report withXX/XX/XXXX, XX/XX/XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Product: Credit card

I have had this credit card since 2018 ( previously Sears and XXXX! ) for many years until Sears mastercard took over. I called a number of times as to why my monthly payments kept going up. I was informed that they 'allowed " me to go over my credit limit then tacked on a HIGHER rate. I asked why did your company do this? Well, to my SURPRISE my monthly payment ( XXXX ) went up quite a bit and the interest rate I am charged is 33 % WOW! I never heard of any interest rate this HIGH which is a RIP-OFF. One of the Worst company 's I ever dealt with after all these years as a senior citizen.
Product: Mortgage

We submitted our complete loan application on XX/XX/2025, and received a confirmation email from the lender acknowledging receipt of our application. On XX/XX/2025, we received a Pre-Approval Letter indicating that we were pre-approved for a loan. However, the Pre-Approval Letter did not include any specific loan details, such as the interest rate or estimated costs.

To better understand the terms of the loan, we requested a Loan Estimate, as required by federal law. In response, the lender provided us with a XXXX document titled " Loan Estimate. '' However, upon reviewing the document, we discovered that it was not a Loan Estimate but instead a Loan Worksheet, despite it being titled as a Loan Estimate. The worksheet lacked the standardized format and detailed disclosures required in a Loan Estimate.

This misrepresentation is very concerning and appears to be misleading. A Loan Estimate is a required document that provides borrowers with clear and comparable information about their loan options. By labeling a Loan Worksheet as a " Loan Estimate, '' the lender has created confusion and failed to provide the transparency we are entitled to under the TILA-RESPA Integrated Disclosure Rule ( TRID ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9400.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I discovered inaccurate information on my credit reports related to debts that were publicly declared as paid in full. On XX/XX/XXXX, a " Notice to Creditors '' was published in the XXXX XXXX XXXX, confirming that all debts belonging to XXXX XXXX XXXX had been resolved. This notice ran multiple times until XX/XX/XXXX. Despite this, the debts remain listed on my credit reports, which unfairly impacts my creditworthiness. 

To address this issue, I filed disputes with the credit reporting agencies ( XXXX XXXX, Experian, XXXX, and XXXX ) and provided them with the official advertisement proof as evidence. However, the credit bureaus failed to update or remove the inaccurate information from my credit reports. This lack of action violates the Fair Credit Reporting Act ( FCRA ), which requires the agencies to investigate and correct inaccurate information in a timely manner. 

The debts listed on my reports have been fully resolved, as verified by the public notice, and the continued reporting of these debts as unpaid is misleading and harmful. I am seeking the removal or accurate updating of these accounts to reflect their true status. 

I hope this description helps others who may face similar issues and encourages companies to comply with their legal obligations under the FCRA
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not liable for XXXX XXXX XXXX XXXX  with account number ending XXXX for XXXX. I don't give my permission for XXXX XXXX  to have my personal identifying information to third party debt collectors and to share, trade, sell, or transfer to any of third party non affiliates and affiliates such as Credit Control , LLC, and Resurgent which they have already violated my rights to privacy and FDCPA. and FCRA. I do not have a contract with any of these entities and any of their affiliates. I do not want to contract with them either. Cease and Desist any form of communications such email, phone, and mail. I will be filing a FTC fraud report and identifying theft and defamation of character. 
Intent to sue for security fraud by Security Exchange Commission and auditing your company accounting records for this account. My claim against your company using all documents as proof of claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a XXXX illness which took me out of the work force while waiting for my XXXX to be approved a XXXX month process without a check or insurance. Followed by the death of my Father in law and Mother in law who we shared a house with and the lay off of my wife after XXXX years with XXXX in XXXX I found myself unable to pay any of the bills I had incurred and until we sold our house in XX/XX/XXXX was I then able to work out settlements with all my creditors except XXXX. I paid around XXXX dollars worth of outstanding balances to bring my credit report back into good standing minus XXXX. They were unwilling to work with me and unfairly treated my situation due to the fact they repo my leased XXXX  with below the mileage which I paid XXXX down and made all payment until XXXX when I ran into money problems. I reached out to Equifax to have them removed from my credit report and in the process they took a dispute from XXXX and lowered my credit score XXXX points because I pointed out the issue with XXXX. All my hard work and time and effort to bring my credit score to XXXX and bam its lowered XXXX points because I disputed something. I have reached out to equifax and asked them to fix this problem but I also wanted to see if you could help me with this issue Any more information please let me know XXXX XXXX
Product: Mortgage

We had our primary home foreclosed on XX/XX/XXXX, at the time we had a XXXX Mortgage as well as a XXXX Mortgage/Equity Line, both with Wells Fargo. The XXXX Mortgage has reported to the credit bureaus that the debt is attached to a property that was " Foreclosed '' and stopped actively reporting to the credit bureaus at that time. However, the XXXX Mortgage was listed as a " Charge Off '' but is still actively reporting every month to the credit bureaus. After consulting with a handful of real estate attorneys and Banking Mortgage Representatives, we are hearing from all of them that any attached mortgage should cease reporting on a monthly basis to the bureaus, and simply be listed as a " Charge Off ''. We already have the burden of carrying a foreclosure on our credit, but having the XXXX mortgage continue to report each and every month is simply insuring that we ca n't rebuild our credit. 
We submitted a dispute to Wells Fargo XX/XX/XXXX, using the fax # provided to us by a Wells Fargo Representative, requesting that we receive some feedback about this matter within 30 days ( the fax and confirmation are attached ). We have yet to hear anything from Wells Fargo, so we are asking for assistance from the CFPB. Any feedback that we can receive will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/1998 XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX/XXXX/XXXX
Product: Checking or savings account

MY PHONE WAS STOLEN XX/XX/2024 AT XXXX XXXX I CONTACTED THE XXXX SECURITY AND THEY CHECKED CAMERAS AND SAW THE PERSON THAT STOLE MY PHONE.THEN THE SECURITY OF THE XXXX WANTED TO SHOW THE FOOTAGE TO THE POLICE, THAN CALLED THE POLICE AND THE POLICE SHOWED UP AND THEY SAW FOOTAGE AND THEN THEY MADE THE REPORT.THEN THE POLICE CALLED THE PERSON THAT STOLE MY PHONE, AND THEY TOLD HER TO RETURN THE PHONE AND THEY WOULD DIMISS THE REPORT AND IF NOT, THEY WOULD ARREST THIS PERSON, THEN THE SAME DAY LATER THE POLICE CALLED ME TO ASKIF THE PERSON RETURNED THE PHONE AND I TOLD THEM SHE DID NOT RETURN THE PHONECASE # XXXX XXXX NAME : XXXX, BADGE # XXXX, OFFICE HANDLIING THE CASE : XXXX XXXXXXXX CALL CHASE BANK STOP ANY ON LINE TRANSACTION CLAIM # XXXX CHASE AKS ALL DOCUMENTS SEND THEM KNOW CHASE NOT WANT TO PAY ME SEE ALL ATTCHED PAPER
Product: Student loan

I obtained a private loan with Wells Fargo for living expenses during grad school. It involved XXXX separate loans that accumulated each semester as I needed more as I went through grad school. This totaled to {$120000.00}. When I graduated XXXX XX/XX/XXXX, I had to wait to pass the board exam and obtain a job. I took over 1 year for that to happen. During that time, I had to go into forebearance with WF. When forebearance was up, I still did n't have the position, and I could n't pay the monthly repayment amount when forebearance was over. I ended up accumulating about 4-5 months of missed payments because I could n't afford it. I ended up getting a position which I started XX/XX/XXXX. It pays well, but I have additional debts : federal student loan payments for XXXX tuition, XXXX school, my wife 's XXXX loans, XX/XX/XXXX back taxes ( there 's a lien on our home because of this ), and a stack of credit card debts which one has gone to collections because I can not afford all of this even with my new income. I am trying to salvage what credit I have left. So ... ..lately, I have spoken with WF 's financial assistance people because they sent me letters and emails wanting me to call them to discuss " options. '' I spoke with them, and I told them my new income, my financial situation, and I can not pay their required monthly payment. One week later, they called me and stated that they can not work out any income based repayment because I make too much, and they can not lower the monthly payment because it would be subsidizing my other debts that I 'm trying to get under control. Because of my additional debts, my credit score is quite low, so they wo n't consolidate/refinance. They are threatening to " charge off '' my loans if I do n't pay {$5000.00} in back payments and then continue to pay the monthly {$1200.00} amount. They tried to explain to me their perspective of debt to income ratio which unable them to work with me in any way. 
So ... ..my complaint with Wells Fargo is this ... .... They are refusing to work with me on a lower monthly payment that I can afford in order to pay them back. They are threatening to charge off my loans at the end of this month. They are about to ruin me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting inaccurate information on my credit file regarding XXXX XXXX XXXX. 

XXXX reports the Balance {$780.00} and the date the account was opened was XX/XX/2019. This is inaccurate information. They also list XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. # XXXX. 

Experian lists XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. 

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). XXXX, XXXX, and Experian are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts posted to a person 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof of an original Consumer Contract with my Signature on it for XXXX XXXX XXXX. You can't provide one because NO CONTRACT exists. In addition, XXXX XXXX XXXX lists XXXX XXXX XXXX XXXX XXXX as the original creditor. This isn't the accurate name of the original creditor and I never gave my consent for any of these companies to share my data. 

One of these companies has fraudulently reported that the business address for the storage unit is my personal home address. This is false, misleading, and I don't think a business should be able to dictate to a credit reporting company where I lived or did not live. 

I am not liable for this debt. I never signed a contract with XXXX XXXX XXXX and have been harassed by their constant calls and damaged by their fraudulent reporting of this debt. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. I have asked multiple times for validation and received nothing. How are the credit bureaus validating this?
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a call from a phone number with an Arizona zip code. The person claimed to be from American Express and told me that he was calling as I applied for an AmEx card and knew my name already. I had not applied for a card, so I told him this and he told me to freeze my accounts on credit bureaus. I am filing this to see if I am a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank / Victoria poses a mistake reporting wrong information in my credit report ... this account is not mine .... was open in XX/XX/2022.
Product: Money transfer, virtual currency, or money service

My Name is XXXX XXXX, My friend banks with Chase bank. I received money from winning a game and i used her XXXX to recieve my winnings. This amount was accidentally deposited to her bank from her XXXX. She called her bank and asked for a refund because it isnt her money by law. 
The bank refused to reverse this transaction and im extremely mad because i needed this money to feed my kids. Please do something about this!