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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX Ive noticed unauthorized inquiries on my report XXXX someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX,, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX
Product: Debt collection

LVNV Funding LLC which I never signed a contract with and I am not sure if this a company trying to scam me. I did send them a letter asking for the debt to be validated but have not heard anything from them. I also asked them to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX at the age of XXXX I was allowed to get a credit card from XXXX XXXX. 

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. 

Also, according to the Credit Card Accountability Responsibility and Disclosure Act of 2009 : ( 8 )  APPLICATIONS FROM UNDERAGE CONSUMERS. ( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of 21, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of 21 as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of 21 ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account. I was not 21 years of age when I was duped into having a credit card, I did not have any income, and my parents did not co-sign for me to have a credit card. I filed a dispute with Navy Federal but did not have the issue resolved.
Product: Credit reporting or other personal consumer reports

Equifax MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today, I closed my Wells Fargo bank accounts at their XXXX XXXX XXXX location in XXXX, NM. While I was working with one banker to close my account, another banker, who wore no name tag, began making rude, snide, aggessive remarks and mocked me because I wanted a refund on the checks I had recently ordered. He told me that I had to leave the building as soon as I got my money and made what sounded like a barking sound at me. 

As I waited for the teller to give me my money, he stared at me menacingly and talked to the security guard outside the bank area. I told the teller that I did not feel safe, and she did nothing. 

After I got my money, I left immwdiately and walked past the guard. The banker pursued me aggreessively outside the building and made threatening hand gestures at me as I got into my car and drove away.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXXXXXX XXXXXX/XX/year> Lowes/SYNCB XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX Regarding Disclosure of Nonpublic Personal Information Dear SYNCB/LOWES " To Whom It May Concern I am writing to formally dispute the disclosure of my nonpublic personal information in potential violation of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802. 

It has come to my attention that my personal information may have been shared with unaffiliated third parties without proper notice or an opportunity to opt out, as required under the law. According to 15 U.S.C. 6802 ( b ) : 1. Financial institutions must provide clear and conspicuous notice of their privacy policies and practices. 


2. Customers must be given the opportunity to opt out of sharing their nonpublic personal information. 



I believe that [ describe the issue, e.g., " I did not receive any opt-out notice, '' or " My information was shared without my explicit consent, contrary to the stated policy '' ]. 

I am requesting : 1. An explanation of how my nonpublic personal information was handled and shared, including a list of third parties that received my information.

2. Copies of the notices or disclosures provided to me regarding the institution 's privacy practices.

3. Immediate action to correct any violations, ensure compliance with the GLBA, and cease further unauthorized disclosures of my information. 



If this matter is not addressed promptly, I may escalate my complaint to the Federal Trade Commission ( FTC ) or seek legal remedies to protect my privacy rights. 

Please respond to this dispute in writing within [ 30 days or specific timeline ]. You may reach me at [ your contact information ] if further clarification is needed. 

Thank you for your prompt attention to this matter. 

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

XXXX, XXXX, and Equifax are reporting inconsistent information for the account listed as XXXX XXXX XXXX this account can not report XXXX  different ways that means it has not been properly validated so the verification they claim they have done is invalid. The account can not have late payments when any consumer credit account is open ended and neither bureau has supplied me with documents that prove I was indeed late. If you do not have documents update the records. 

XXXX XXXX are Last Verified : XX/XX/XXXX Date of XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : XXXX XXXX XXXX Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remarks : Closed Closed or paid account/XXXX  balance Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : XXXX Month ( s ) XXXX  Month ( s ) Payment Frequency : Monthly ( every month )
Product: Money transfer, virtual currency, or money service

A friend asked for a Referral to use SendWave money transfer Service. I provided XXXX XXXX my phone number. He quickly registered and Sendwave sent the acknowledgement asking me to confirm. As soon as we confirmed two separate transactions immediately left my Sendwave account totaling XXXX on XXXX. 
I immediately logged into my Bank Account and froze the Debit card and contacted my bank. With long hold times, I immediately drove to the XXXX XXXX XXXX IL XXXX and spoke with an account manager. 
we did not get the money back but it has been confirmed the money left my account and pending with Sendwave at this time.

The only thing I know at this time is Sendwave stated there is no Guarantee they will be able to do anything to assist I opened up a Fraud Alert with my XXXX bank as this transaction was not authorized to the phillippines. I do not live nor Do I know anyone in the XXXX. 
I use the app. from time to time as I would send money to my family in XXXX. 

There is no security mechanisms and controls in place for apps - I learned never to use a debit card as this is next to impossible getting your money back in the event of a FRAUDULENT Scam. Especially from someone I knew back in Pennsylvania
Product: Mortgage

I made a payment on XX/XX/XXXX and freedom mortgage didnt post the payment till XX/XX/XXXX and they also charged me a property inspection fee, they claim this was done because the account was 30 days late, it was not paid thirty days late and I explained that and they are billing for this service which should not have been done, I need to get a new servicer from the fha freedom mortgage is not a good servicer
Product: Credit reporting

Experian has had MORE than 30 days to looking into my dispute and have not shown any proof per FCRA laws I have done my due diligence as a consumer and have exhausted all options. They need to delete my inaccurate accounts since they are unwilling to verify and " show proof, '' key word is " show. '' Simply printing it with the exact same copy is not verifying or showing proof. Attached are the the XXXX reports that show the exact same copies of reports where nothing was updated as they claimed. They also need to delete inaccurate personal information it is not historical when it is n't mine. Telling me its from other sources is illegal it is n't mine. I am telling you what is my name and address you ca n't tell me someone else told you who I am.
Product: Credit card

No longer to provide properly for myself. Because of my ailing XXXX  years old health condition, I can no longer work to provide for my needs. I can not meet the obligation of making timely payments as my lost income hindered any progress for me. I wrote and called and explained this problem and asked if they would help me. Any consideration you give this matter will be greatly appreciated. Thank you.
Product: Student loan

As a college student I borrowed Federal Aid from the years XX/XX/XXXX - XX/XX/XXXX. In total, about {$22000.00}. My loans went into repayment in XX/XX/XXXX. I was informed that due to my gross income, I had qualified for income based repayment and have been on the payment plan ever since. My issue is that I have only ever signed an application that did not disclose the terms or consequences of choosing an income based repayment plan, which has now incurred an additional {$10000.00} in principal balance owed. I want to know why a mortgage loan requires 100 pages of disclosure and a truth in lending/loan estimate to be signed, but there are no documents that indicate A ) your monthly payment may not be high enough to pay the interest that accrues on your loan each month, B ) the unpaid interest will be capitalized to your loan balance, thus increasing the principal amount owed, and B ) when your balance is finally " Forgiven '' the amount that is forgiven needs to be claimed as income on your tax return. I have gone through all of my paperwork since XX/XX/XXXX and can not find any piece of paper that acknowledges these items. I feel I was taken advantage of by this servicer in a financial hardship which has snowballed my financial trouble. I spoke with " XXXX '' today who was extremely rude and told me to " relax '' and to " Just keep paying since my balance will be forgiven, '' When I called him out on having to claim the charge off on taxes and that although I keep paying my balance will increase since the payment will not cover interest, he said my other option was to just go back to standard repayment. ( At $ XXXX/month ) I feel that numerous lending laws have been violated in the lack of disclosure of the terms of this repayment program. I want this investigated and I do not want to be responsible for an additional {$10000.00} that I never signed a Note to Borrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in reciept and using my XXXX XXXX credit card for a number of years always paid off balance in time, never had any issues until this week when I was informed my credit limit was to be reduced from XXXX to XXXX, I contacted XXXX card and I was informed by a rep to go online and check my credit rating, on doing this I came across a section saying that I have been bankrupt or ccj on my records none of which are true, I have never been bankrupt or held any cc judgements against me, I have had credit card for quite a few years now and cant understand why and how this has come to be on my record, this is the first time I have been on to check my credit score, I would like to know how they got this false information without checking or contacting me,
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX. ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX ( XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$740.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : {$480.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX XXXX XXXXXXXX XXXX : {$630.00} ; XXXX XXXX Balance : {$880.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I telephoned First National Bank of Omaha to transfer a {$1500.00} balance with a 2 % fee and 4.99 % interest for life into my Credit Card Account with ( into ) my First National Bank of Omaha Credit Card account ... FROM XXXX / XXXX Bank ... in the amount of {$1500.00}. Although I could have traveled to my local XXXX Store and conducted this transaction personally, and paid this amount at the XXXX Store with a First National Bank of Omaha convenience check, First national Bank of Omaha told me over the telephone that this transaction would " post more quickly '' by doing the transaction through First National Bank via telephone ... so I proceeded by telephone with this balance transfer. On XX/XX/XXXX, First National Bank gave me a Confirmation Number of XXXX for this balance transfer transaction. On XX/XX/XXXX I received my XXXX/XXXX Bank Credit Card statement in the mail and saw that this {$1500.00} balance had NOT been transferred. XXXX/XXXX Bank even imposed a {$27.00} Late Fee on me, plus an Interest Charge of {$39.00}. And they reported me as being late and overdue with a payment to the Credit Bureaus. I telephoned First National Bank of Omaha and asked them why they Never informed me of this problem of a failed balance transfer? Their only explanation was that XXXX/XXXX Bank had Failed To Accept their " wire transfer of funds for this balance transfer ''. WHY? It is my claim that BOTH of these two banks are at fault, yet neither will work to help resolve this matter for me. Can you?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found that some of my accounts on the credit report from the bureau that are not reporting a 100 % accurate data which violates the FCRA Law. Kindly review these accounts below and provide me update of the changes and corrections on these accounts in 30 days : XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$8700.00} XXXX XXXX  Opened : XXXX. XXXX, XXXX Balance : {$10000.00} XXXX XXXX - XXXX XXXX  Opened : XXXX. XXXX, XXXX Balance : {$4800.00} XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$600000.00} I also found some fraudulent accounts that are reporting on my credit report below : XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Opened : XXXX XXXX, XXXX Balance {$1400.00} XXXX XXXX XXXX XXXXXXXX Opened : XXXX. XXXX, XXXX XX/XX/XXXX Balance : {$9300.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$520.00} XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$4200.00}
Product: Credit card or prepaid card

TRANSACTION XX/XX/XXXX ... .. {$99.00} ON MY SYNCHRONY/WALMART MASTERCARD THIS WAS A FRAUDULENT TRANSACTION AND WAS REPORTED AND THE CLAIM WAS APPROVED BY SYNCHRONY BANK ( LETTER DATEDXX/XX/XXXX ) THE ACCOUNT WAS CLOSED. LETTER DATED XX/XX/XXXX I HAVE BEEN SENT STATEMENTS WITH CHARGES OF THE FRAUDULENT TRANSACTION, FEES AND INTERESTS. I HAVE NOT PAID. 
I WISH THIS TO BE REMOVED FROM MY RECORD FOR THE CREDIT SCORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my XXXX  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 n i made this clear for 60 days straight with transunion 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 Transunion. I do not understand why they are abusing consumers .This 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 Transunion more than 21 times. transunion 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting act protects consumers from inaccurate, incomplete and/or unverifiable information and these must be removed or corrected within 30 DAYS. 
Accounts : XXXXXXXX XXXX XXXXXXXX ( XXXX  Account ) XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX ( XXXX Card ) In addition, there are a number of credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX. XXXX  XXXX ( XXXX  Account )