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

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX  - XXXX, XXXX  XXXX XXXX, XXXX - XXXX, XXXX - XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report.

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Money transfer, virtual currency, or money service

Money was sent from my Zelle account unauthorized but I wasn't able to get a refund. This happened a few times.
Product: Debt collection

This Account is not mine & was opened Fraudulently & I have yet To see a bill with my name On it, nor was I made aware From the utility company. I never signed up & Gave anyone authorization to put a bill under my name
Product: Mortgage

I was gifted a home. The.previous owner passed away XX/XX/XXXX. A month ago a man came and gave her papers saying there was almost {$400000.00} owed on a metlife home mortgage from XX/XX/XXXX & house is going to auction XX/XX/XXXX. It 's impossible. Before previous owner passed he was very organized and.kept extremely detailed records of everything. He owned multiple homes and.properties in XXXX, XXXX and XXXX. Also he personally helped multiple people out when they were at risk of losing there homes he bailed em.out and they made payments to him. One person specifically owes him a substantial amout of money & filed to start a buisness under the name and address of the.deceased prior to death. It is possible that this same person is the one that indeed took this reverse mortgage. I have paperwork.for multiple mortgages a in.the same time.period with this person being added to the deeds. There is so much I cant even.begin.to explain. But there is documentation to.back.up what I saying. And the conservatives took over my friend the deceased property and stopped making payments then tried to.have.me evicted which was thrown.out of court then in turn files probate and abandoned the home and never notified me of anything. They.new I lives here the.previous owner is the.one that told them.to.let.me move.back.home and to.dismiss the eviction they had placed on me. Its absolutely devastating what these people multiple people did to.my.elder my friend up to his death.and.now years later they.are trying to take the home that was given to.my grandson.and.myself. Another thing the property is only valued at approximately {$150000.00} @ the time of the loan why would any.mortgage company loan. {$420000.00}. & I have the starements showing every single month.payments were being made up untill the.conservators took control.of his bank.accounts. And if there really was this money.owed why.would n't it be paid off in.probate he had top notch insurance and more than {$200000.00} in multiple separate accounts and owns multiple properties. Please help me.my.home.goes.to auction at XXXX and nobody seems to.care that people are defrauding elderly and mortgage companies.
Product: Money transfers

Dear Sir/Madam, I 've sent my money {$820.00} to XXXX XXXX, XXXX XXXX XXXX, City : XXXX, State : XXXX, Zip Code : XXXX, USA by Money Gram. This address gave another person : XXXX XXXX, who works at XXXX XXXX XXXX XXXX, born Monday, XX/XX/XXXX, Age XXXX, from XXXX, XXXX. 
I 've sent the money to purchase XXXX laptops by XXXX from XXXX XXXX, XXXX. 
But money arrived and I did n't get not my laptops and not my money back. 
XXXX asked me for more money. I refused. She is not responding any more. 
XXXX name : XXXX, tel. No. : XXXX. 
I am XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I signed up to Wise.com - I needed to transfer {$8200.00} to XXXX to pay a shipping company importing my household furnishings there. I submitted all the identity documents they requested ; I verified my bank account via their system and proceeded to make the money wire. I received a XXXX XXXX request to send more information : Why I needed to send these funds and who was the person I was sending these to. I guess I did not answer soon enough, and the account was closed. I saw the information request on my phone a XXXXXXXX XXXX, it was sent at XXXX XXXX. 

I sent an email with the information they requested at XXXX XXXX ( approx. ). 

I called their customer service and they said they could provide no information. 

I sent an Appeal email, but it can take up to 20 days. 

There is no basis for this action, all my personal data is legally compliant, verifiable and was shared with them. 
My credit score is almost perfect and my relationship with my bank is more than 25 years old. 

The only explanation is my XXXX name and my XXXX destination ( I am a bi-national, XXXX ) XXXX 

I feel I was typecast and discriminated against in the middle of the night and given no explanation or resource to appeal other than this open ended " send us an email and we will respond someday ''. 

If they are suspecting me of being a narco or money launderer because of my ethnicity they need to present their facts to back up their suspicions and give me an opportunity to respond. 

This is blatant XXXX discrimination unless explained in some other way. and if so, why can't I respond to whatever questions they have? 



XXXX XXXX
Product: Checking or savings account

Subject : Urgent Complaint Regarding Withheld Funds by Eastern Bank Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to express my deep concern and distress regarding a pressing issue with Eastern Bank, specifically involving an employee by the name of XXXX. 

On the month of XXXX I deposited a cashiers check of {$18000.00} into my account with Eastern Bank. Along with my existing balance of {$5000.00}, totaled XXXX However, to my dismay, these funds have been unjustly held, and I have been unable to access my own money. 

I have reached out to XXXX at Eastern Bank on multiple occasions to resolve this matter and request the release of my funds. Unfortunately, instead of receiving assistance or a reasonable explanation, I was met with mockery and ridicule. XXXX went as far as to pressure me into admitting that the money was fraudulent, which is entirely untrue and defamatory. He even tried to persuade XXXX XXXX Bank to back him but they told him that check was from them and from my business account to my personal account. Instead of him to let go and release my money he refuse.. 

This situation has caused me immense stress and financial strain, as I rely on these funds for my livelihood. I am pleading for your immediate intervention to ensure that Eastern Bank releases my money back to me. 

I am confident that the Consumer Financial Protection Bureau will address this issue with the seriousness it deserves. I kindly request a thorough investigation and prompt resolution so that I can regain access to my funds. 

Thank you for your attention to this urgent matter. I eagerly await your response and hope for a swift resolution. 

Sincerely,
Product: Checking or savings account

I filed a complaint on XX/XX/XXXX against Santander Bank ID # XXXX, regarding XXXX 's XXXX XXXX. Santander Bank told another person named XXXX XXXX that the account belonged to her. 

XXXX 'XXXX  XXXX XXXX established a business checking account XX/XX/XXXX under XXXX XXXX with two signers on the account ; XXXX XXXX and XXXX XXXX. A branch of Santander Bank took it upon themselves to add a different XXXX XXXX to the account. Attached is a letter from Santander Bank admitting there error. I would like Santander Bank charged with violating the Banking Privacy Act.

By Santander Bank giving this information to another person without verifying with the account owners is a violation against Banking Privacy Act and because of this we need to establish a new  account. In order to establish a new account we must file a " Certificate of Organization for a LLC '' which will cost us {$120.00}, which I would like them to refund to XXXX 'XXXX  XXXX. Because if they had not caused this error we would not be in this situation. 

I have attached the letters and email from the first complaint along with the letter received from Santander Bank admitting to error. 


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

XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  these inquiries were not made by me XXXX XXXX, equifax, XXXX and the individual companies invovled refuse to take them off my report. I would like these inquiries removed from my credit reports.
Product: Credit reporting or other personal consumer reports

There is a vehicle reporting in my credit report from Exeter Finance My identity was stolen and used to purchase a vehicleI filled out the theft package and also completed a police report and they still will not remove the account I also sent a copy of an FTC report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX BV XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX TX XXXX ] [ Date ] XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam, I am writing to dispute the following information in my credit report. The items I dispute are also circled on the attached copy of the report I received. 

Account Name : [ SECURITY CREDIT SERVICES ] Reason for Dispute : Not my account. 


I request that these items be deleted ( or corrected ) to reflect accurate information. Enclosed are copies of documents supporting my position. 

Please investigate these matters and delete or correct the disputed information as required under the Fair Credit Reporting Act. Please also send me an updated copy of my report once the investigation is complete. 

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

I filed a complaint with the CFPB and the complaint was sent to Equifax and they did nothing. They still have not answered where and how they got this information. I need this account removed immediately. 

I submitted a dispute to Equifax on XX/XX/2022 through certified mail and I received a response stating it was verified. In my initial response, I asked for who verified the information and how? These questions were never answered. I then sent a follow-up dispute on XX/XX/2022 after receiving the letter from Equifax stating it was verified and again I asked for how this was verified and who verified it and Equifax sent me the same information they sent previously, which was nothing, but just stating the information was verified. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This is a violation of my rights and I want this removed. This account is negatively affecting my credit.
Product: Vehicle loan or lease

I applied for a loan on XX/XX/XXXX. I received a response the application was received and I would hear back in 3-4 days. I never heard back. I received notice in the mail my credit had been pulled and my credit score was over 800. I have not received an approval or denial letter or phone call. It's my understanding they are required to notify me one way or another to be in compliance with the law. Today is XX/XX/XXXX and I still have not heard back. I've tried to call multiple times and I sit on hold only to be hung up on eventually. I emailed with no response. I feel this is not a legitimate operation and I'm concerned I've given my NPI info to an unworthy party. I take my personal information and credit very serious. 

The company name is Essex Credit and division of Bank of the West.
Product: Credit reporting or other personal consumer reports

Equifax did a 30-credit report update on my account as of XX/XX/2024 and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more. 


They are showing a XXXXXXXX XXXX account ending in XXXX with a balance of {$200.00}. And they account was paid in full as of XX/XX/2024.
Product: Mortgage

During the month of XXXX I receive a letter from a mortgage company that i was not familiar with and they stated that i did not have hazard house insurance. So i call them and they informed me that my 2nd mortgage had been sold to another company by the name of SN Servicing Corporation, so they gave me their number and i made contact with that company, after talking with that new mortgage company they inform me my loan had been sold. I inform them that i did not receive a phone call or any type certify notice that my loan would be or has been sold, they stated that they don't have to send out notice and stated they did mail out a notice. After several phone calls to this company to inform them i was unaware of the sale and that my account is three months behind due to the sale of my mortgage and ask them if they could modify, refinance or move what was behind to the rear of the loan they refuse help or to give any assistance on that matter rather they insist if you can't pay then i suggest we will have to start foreclosure.
Product: Credit reporting or other personal consumer reports

I am closing on a home in 5 days and i am unable to obtain a loan from the bank because of negative reported items on my credit report. Based on the 15 U.S. Code 1681 all fradulent & negative reports should be removed from my credit report immediately. There should not be any damages on my credit report that is a defamation of character & i will would for this to be fixed immediately so that i am able to close on my house in 5 days.
Product: Mortgage

I was on forbearance due to the eviction moratorium and tenants not paying rent. I ended that forbearance in XXXX of 2021 and Caliber Home loans began dragging their feet for approximately 8 months. Finally, they sent out a modification packet at the beginning of XXXX which I signed and notarized the same day and sent back. Afterwhich, I heard nothing. Today, two months later, I received a phone call saying there was an issue with one signature and its been in a holding pattern and has to be reworked. I asked specifically what was wrong they did not know. I asked when the new packet would come back to me, they did not know. I asked to speak to a supervisor, there were none available. I asked to speak to an underwriter, there were none available. I asked to speak to the processor who flagged it whose desk it is sitting on for XXXX months, and I was told that she is unresponsive to their internal communications. I have no idea what is happening and Caliber Home loans doesn't either. I have been unable to refinance my primary residence due to Caliber dragging their feet on this and now rates have gone up significantly. Their actions have affected me financially in a destructive way. Caliber does not care for the home owner and certainly doesn't care enough to notify me when an issue arises nor do they care to resolve it. I have never had such a horrible experience with a company in my entire life. They are clearly too big and the right hand does not know what the left hand is doing.
Product: Credit reporting or other personal consumer reports

TransUnion makes it real difficult just to put a freeze on the account, and if you want to know what the credit score is on your account they want to charge you a monthly {$30.00} fee for that information.

The other credit bureaus are much better and more user friendly and don't charge you for that information and don't make it difficult.

TransUnion should not be able to control or make any changes to your credit. They just try and SCAM you out of your money for a service that should be Free. 
The US government " CFPB '' needs to shut down TransUnion.
Product: Credit reporting

File # XXXX I reported that in XXXX 2016 XXXX of XXXX XXXX Florida did a hard pull on my transunion credit report WITHOUT express written or verbal consent from myself. 
I called XXXX and they ran my son 's that day but claim never ran mine. Yes they did, yes they lie, check my credit report. My credit was shared illegally and wrongfully with XXXX. 

Transunion did nothing but add my letter to my file. The hard pull is still there and I request it to be taken off. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX * Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Bank of America in full, for an over drafted bank account. The account number is, XXXX - XXXX. Amount requested by B Of A, {$1200.00}. 

Amount paid by XXXX XXXX, {$1200.00} for XXXX balance. 

This account was initially reported as Suspected Fraud Activity. This language is suggestive that elements of Fraud were present. When this was just an overdraft. A customer issued me a check, I deposed the check in good faith. The check amount was credited to my account, but later returned to me as NSF. The bank overdrew my account {$1200.00}. However, there was never any elements of Fraud involved. 

Bank of America reported this erroneous information to XXXX. XXXX is reporting this erroneous information to those who pull my information. 

XXXX XXXXXXXX XXXX is declining to open a new account because of this language.
Product: Checking or savings account

Wells Fargo did not credit interest earned on a monthly basis and post the subsequent interest earned based upon those cumulative amounts as stated in the financial disclosures for the CD over a nearly 18 month period. Consequently, back interest accumulated is owed, according to the Wells Fargo Bank branch. Wells Fargo refuses to respond by correcting the error. The complaint that was referred to their corporate office originated from the local bank branch manager because they believed that the bank had made a mistake and back interest needs to be calculated and paid.
Product: Debt collection

a few months back, my identity was stolen and several accounts was opened using my information. 

I did not consent to these accounts being opened. 

Please help me with resolving this situation. I tried resolving it with the collectors and creditors but nothing has been done.
Product: Student loan

In XX/XX/2015 Fedloan Servicing reported my student loan account was 90 past due. In fact my loan was in forbearance at this time and no payment was due for one year. 

I have contacted the company on several occasions requesting the info be evaluated and reported accurately. At one point, I was told the info can be removed but no actions were taken by Fedloan to correct their inaccurate reporting. 

The biggest problem is ; although the 17 accounts were consolidated into one payment, the Fedloan reported each accounts as separate accounts. I now have 17 accounts showing 90 days delinquent ; when its truly has been consolidated into one. 

Their in accuracy has caused my credit score to drop by 50 points and in return Ive been denied loans and credit that I truly qualify for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report the credit bureaus reporting charge offs and late payments which I paid to delete but comes back verified. This is hurting my XXXXredit score which I am rebuilding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. An account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Checking or savings account

My XXXX Bank of America debit card was hacked and someone withdrew a total of {$4500.00} in a span of a week on XX/XX/2021. I called the banks fraud department hotline to report what happened and was advised to file a police report to help back up my claim. I filed a report with my local sherrifs office and faxed it to bank 's fraud department. On XXXX XXXX XXXX1 i received a letter from Bank of America saying the case was resolved and no wrong doing occured in my account. I am upset and in a difficult situation with no help in sight. Bank of America failed to secure my XXXX debit card, making it vulnerable.