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

On XX/XX/ I wrote Equifax about inquiries on my credit report that I do not recognize and that are not tied to any accounts that I have. I just checked my credit report again and the inquiries remain on my credit report. In my letter I let them know that I did not give my permission to the companies listed as viewing my credit to check my credit file, so why do these inquiries remain on my credit report? Furthermore, per 15 U.S. Code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates- so once again I do not give my permission to these creditors to remain on my credit report, nor did I give any sort of instruction or authorization for these creditors to check my credit score or credit file/report etc. Remove them at once please or I will not hesitate to seek legal counsel for damages due to not complying with FCRA. Doing an " investigation '' now will not suffice. Remove these unauthorized inquiries that are not in compliance with permissible purpose at once from my credit file. Thank you for your assistance! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the security breach with Equifax. The breach was discovered XXXX XXXX and yet it took over a month for them to even report it.
Product: Debt or credit management

I paid them {$75.00} per month for about 5 or 6 months. They did not provide the service but continued to take money out my account.
Product: Credit card or prepaid card

I am a veteran and am currently in the fiduciary program, my fiduciary uses a service called " True Link Financial '' to send me money periodically. I recently had a declined transaction in the amount of XXXX at XXXX XXXX, however the money was taken from my account and not returned, and True Link refuses to re-release the funds to me, I've spoken to everyone under the sun and have had no success to date. I have even sent confirmation emails of the cancelled transaction to the customer support team at true link. This is the money I fought long and hard to get with my service to this country, I was wounded in action, and for them to treat me like this is completely unacceptable. 

If you should need any information from me, my name is XXXX XXXX, my email is XXXX, my XXXX is XX/XX/1986, and the card I have on file with True Link has a last XXXX of XXXX, also the last XXXX of my social is XXXX, that should be all they would need but if you need anything else feel free to call me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account name XXXX XXXX XXXX  Account number XXXX Recent balance {$410.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX Recent balance {$260.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX .... 
Recent balance {$420.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$980.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$14000.00} Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Recent balance {$800.00} Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Recent balance {$290.00} Date opened XX/XX/XXXX Account name XXXX XXXX  XXXX Account number XXXX .... 
Recent balance {$1400.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$300.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$300.00} Date opened XX/XX/XXXX Account name XXXX Account number XXXX .... 
Recent balance {$1400.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Recent balance {$570.00} Date opened XX/XX/XXXX Account name XXXX & XXXX XXXX Account number XXXX Recent balance {$310.00} Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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
Product: Checking or savings account

So I originally submitted a complaint about Bank of America asking me to a lot to money that was supposed to be in my possession as of XXXX of last year. Their telling me to get notaries signed and everything for something that makes no sense to me. I never got the check and now they want me to go out and spend money on stuff for their own leisure. This is downright disrespectful. So another complaint must be sent. They also have in their possession {$8700.00} in frozen assets from over a year now. Which is unfair and unjust. What investigation takes that much time And everytime I call them its a new lie and excuse as to why they wont release my funds. They finally sent me the paperwork shedding light on this. Bank of America needs to be sued via a class action lawsuit for this type of action as Ive read they keep doing this constantly to their customers/clients however they deem us. Somebody obviously stole my check or it was lost XXXX  which is on bank of XXXX part, but either way it seems like a big corporation like Bank of America is stealing money from me and there is nothing I can do about it but seek legal counseling regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2023 I checked my EXPERIAN consumer report after receiving a text message about a change and a decrease to my XXXX score. I noticed that EXPERIAN was reporting an collection account from XXXX XXXX XXXX I never gave EXPERIAN written permission to report anything to my consumer report which is a violation of 15 USC 1681b ( a ) ( 2 ) and thats a violation of my consumers right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) they have assumed a vital role in assembling and evaluating consumer credit, inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The INTERNAL REVENUE SERVICE in their publication 1212 states that collections are income to companies and their are suppose to supply me a 1099c I never received that form, so they receive income and trying to extort money from me and EXPERIAN is aiding and abetting this extortion. I have taken the liberty to file an complaint with CFPB and will also file complaints with FTC and the ATTORNEY GENERAL
Product: Student loan

Account # XXXX XXXX & # XXXX To be honest with you, I have no idea regarding this company because if my student loans were sold or transferred to someone else I would have gotten a letter etc. I never got anything from my original lender etc. I have no idea regarding this company etc. I've tried reasoning with them to let them know I was never informed etc. 

XXXX XXXX-I 've filed with all three bureaus and of course, nothing was done with them- certified mail never heard anything back. Looked at my report all they stated is the other party disagree. I requested specific documents with my signature but never got anything back from the company and the 3 credit bureaus.
Product: Mortgage

Two years ago, I was late on my mortgage payment. I made the payment and my check cleared the bank and the mortgage company was paid. My lender, Wells Fargo Mortgage sent me an invoice for the next month 's payment, which I paid. Wells Fargo sent me a check for the mortgage payment saying that they were refusing my payment. I deposited their check into my personal checking account. I received an invoice for my next month 's payment and I paid it just like I had done the previous month. This payment was also returned and I received an invoice for my next payment. As I usually do, I went to a Wells Fargo bank branch and tried to make my mortgage payment. This time the cashier came back and told me that my account was in default and I was in foreclosure and she couldn't accept my payment. I was served with documents stating that Wells Fargo had started the foreclosure process! I ended up pay legal fees and costs plus the payments that Wells Fargo had refused! About 1 month later, I started the process with Wells Fargo to get a HARP modification on my mortgage. The rate is 6.8 % and the current mortgage rates were much lower. After several months and after sending the same documents to Wells Fargo Mortgage many times, my application was denied because " It was not economically justified ''? So I went from " BEING IN FORECLOSURE '' to " MAKING TOO MUCH MONEY FOR A HARP MODIFICATION ''! Wells Fargo Mortgage caused me to have to pay hard earned money to them and fees to the attorneys and the court system. This was totally wrong and resulted in me paying money that was not justified and now showing a " FORECLOSURE '' on my personal credit reports. This resulted in my being denied for a mortgage refinance, cancellation of my credit lines, rejection and interruption of business relationships! Can you help me with this?
Product: Credit reporting or other personal consumer reports

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to anyone with the intent to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me
Product: Credit reporting or other personal consumer reports

This is not my debt and does not appear on my XXXX Report.
Product: Credit reporting or other personal consumer reports

Capital one 09/10/2024.

CHRYSLER CAPITAL 08/31/2024.

ALLY FINANCIAL 08/31/2024.

ALLY FINANCIAL 08/31/2024.

CBC/GALEANA CHRYSLER D 08/31/2024.

BANK OF AMERICA 08/31/2024.

JPMCB AUTO 08/31/2024.

NCCINC/ NAPLES CHRYSLER 09/10/2024.

MACYS /CBNA 08/10/2024.

MIDFLORIDA CREDIT UNIO 08/31/2024.

SUNCOAST CREDIT UNION 05/26/2024.

IR /ALCOVA MORTGAGE LLC 12/27/2023.


DISCORVER BANK 10/29/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership trying to apply for a car. They said that they were ONLY going to run my credit once through jeep. However, there are 21 Hard 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 XXXX XXXX XXXX
Product: Mortgage

ConsumerFinancialProtectionBureau This complaint is directed with over 8 lenders who have received monies from me since 2003 when I originally purchased my home from the builder. 

I have detailed in a summary document how my loan has somehow gone from a 30 year mortgage to a 44 year mortgage, how my loan amount varies throughout the lenders, how did a fixed rate loan change so often ... these are just a few questions. 

I have provided documents that show both my bankruptcy attorney and the bank 's attorneys kept me from filing the one document of re-affirmation needed to prevent the issues that have occurred. They blocked me until time expired. 

This is a very well documented complaint that is clearly predatory and should never be allowed to occur. 

Note : Some attachments ( pdf ) were too big and had to be broken into smaller files. I was not aware til after the index of attachments was uploaded, so I named them similarly and included page numbers. 

I need someone to take an interest in this complaint and give it the consideration it deserves. 

I worked over 30 hours to produce these documents. Being XXXX and having to confine myself to a chair for long hours is extremely painful but I did it. 

You should have everything you need to resolve the main issue of terms of loan ... when passed from lender to lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried reaching out to Comenity Bank Victoria Secret Credit Card Services due to status not updated on my credit reports for XXXX, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance back in XX/XX/XXXX and have not used the card since then. I reached out to the company on XX/XX/XXXX to request the account to be closed, but the company never updated the Closed status. I've requested a number of Comenity Bank cards to close, and this card is one of the two out of nine credit cards I've requested to close that did not. Its the end of XXXX and the status is still not correct.
Product: Checking or savings account

I was always charged overdraft when I never signed up for overdraft this has put me in bad credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 fraudulent accounts that are reporting inaccurate/incomplete to my report. Somehow Innovis has verified accurate after the first dispute it does not have an address attached the accounts. XXXX & XXXX Accounts that are erroneous & needs to be deleted as it is a violation of FCRA that all the information must reported as accurate including name, address, phone, number etc. The
Product: Credit reporting or other personal consumer reports

Per the documents provided. The following accounts have been deleted and blocked from my XXXX credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please follow suit and delete and block the following accounts as well. The inaccurate and erroneous reporting of these unknown, XXXX validated accounts have caused me to be XXXX  and XXXX XXXX and has defamed my character causing me to become severely XXXX. I have been denied credit by the banks and several other companies. Per the FCRA I am entitled a fair and accurate report across all credit reporting agencies, therefore you have to delete the accounts as well. You have refused to properly investigate and address my previous disputes regarding this same situation with proof of deletions of accounts. According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Therefore this is an FCRA violation and the dispute has not been resolved. Furthermore, The FCRA demands that CRA use reasonable procedures to assure maximum possible accuracy of the information they report 15 U.S.C Section 1681 e ( b ). When a consumer disputes an item of information, the agency must investigate the dispute. I have forwarded this complaint to my state attorney general, the better business bureau, and I am aware do to your improper sham investigations that I can consult with a attorney that would include monetary damages, removal of incorrect reporting, attorney fees, and statutory damages. I have provided proof of deletions and proof of identification.
Product: Credit reporting or other personal consumer reports

I did get a refund but not thy right amount, They charged me again after they cancelled my account? They gave me a Refund for {$260.00} but was suppose to be {$340.00}, & still charged me a extra {$29.00} on XX/XX/year>, They stold again, & my account is still cancelled? Please investigate TransUnion they keep taking extra money & hide the truth about their thieving, I can show payment records thru XXXX XXXX XXXX. for later documentation.
Product: Consumer Loan

I have requested a payoff ad nauseam to a avail. I continue to get voice mail. I have left VM for the telephone office ... 
Springleaf Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I even applied for a new loan ... no answer ... no once has called me. I am okay if not approved but I still need a payoff. A simple call back would be greatly appreciated.
Product: Credit card or prepaid card

Hello so XXXX complaint was back in XXXX my card was frozen might have been XXXX to from Bank of America due to fraudulent charges so they froze my account for like two three months was put me in stress couldn't pay my bills almost got a victory out of my home almost lost my car cuz I had no access to my money waited for hours and hours on hold with unemployment because the bank stated it was their problem I heard there's a law too on Bank of America for what happened am I going to be part of that lawsuit if you could please get back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account XXXX 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. 
View your Report | View your credit score Remains + 'icon ' Remains DEPT OF EDUCATION/XXXX  Account XXXX The company that reported the information has certified to Experian 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. 
View your Report | View your credit score Remains + 'icon ' Remains DEPT OF EDUCATION/XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated DEPT OF EDUCATION/XXXX   Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated DEPT OF EDUCATION/XXXX   Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX   Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated Important Information About Your Dispute Results filed ftc long time ago
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and tracking these transactions was infeasible.
Product: Credit reporting or other personal consumer reports

I have received a letter with my credit report from XXXX with false information pertaining to my name and never have I had an alias! That is what this complaint is about. Experian has my middle name incorrect on the name ID # XXXX. This is not my middle name. The name ID # XXXX is the core middle name information recorded.
Product: Mortgage

I have been a customer of Freedom Mortgage for almost 10 years now. Always paying my mortgage on time and independently escrowing for my property taxes. Then the errors by Freedom Mortgage began : In late 2018, Freedom Mortgage erroneously paid my 2018 property taxes claiming that they were delinquent. 

Property taxes arent due until XXXX of the following year ( see attached ) I contacted Freedom Mortgage in late 2018 to discuss this and was transferred to the Tax Department. 

The Tax Department claimed in late 2018 that my taxes were indeed delinquent and paid my 2018 property taxes for that reason. 

Explaining this over and over and over again, including with a supervisor, I was unable to get anywhere with this even after faxing over my tax bill attached. 

Then with that payment, Freedom Mortgage began to ESCROW for future taxes on my account. 

This was an erroneous next step seeing that my 2018 or any prior years taxes have never been delinquent. 

I have continued to pay my monthly mortgage payments of {$1500.00} and have been independently escrowing my property taxes. 

I contacted Freedom Mortgage several times, sent in an email with proof to the customer care email as prescribed by the customer service person over the phone ( never getting a response to ) In this email, I asked to remit payment for the 2018 taxes and get ESCROW removed from my account No response from Freedom Mortgage After getting a dedicated teller, I still have never talked to the actual teller assigned to my account. 

All of this time, Freedom Mortgage has never gotten someone to see the error they made and have continued to charge me erroneous fees and have continued to erroneously ESCROW my property taxes ( accruing fees on that ). They say I owe them over {$16000.00} when I have NEVER missed a Principal and Intersest payment in 10 years.