23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I submitted a claim for fraudulent transactions made with my debit card on XX/XX/23. Banco Popular told me that they have 45 days to investigate, and 10 days to give me a provisional credit until they finish their investigation. No credit has been provided as of today XX/XX/23. In that claim, they did closed my card and sent me a new one. Yesterday, on XX/XX/23 again over $ XXXX in fraudulent transactions were made with the same card that they said they closed. Now I have over $ XXXX in fraud transactions, no status has been given even though I call everyday, and they are not even able to make it right after the first claim. Their negligence caused another fraudulent transactions and they do not want to assist on the issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX last reported XX/XX/2024 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Mortgage

I applied for a loan modification ( HAMP ) Program on XX/XX/2016 with my servicer Wells Fargo Home Mortgage ( WFHM ). I hired an attorney to help me with my application and they confirmed my financial application was received by WFHM on XX/XX/2016. My attorney states I qualify for the HAMP program. WFHM underwriter refused to review my loan for a HAMP loan modification even though the HAMP program allows them to review me because my application was in fact received before the deadline for HAMP expiring ( XX/XX/2016 ). Wells Fargo Home Mortgage underwriter stated they were missing two pages of the application, Dodd Frank and the 4506T, neither of which contain any financial information. I believe WFHM is doing this solely because they do n't want to help me save my home. I qualify for HAMP and deserve to be reviewed for it.
Product: Credit card or prepaid card

Please ensure credit card prefilled application information has my current address when I input data and the system prefills info. I havent live in XXXX XXXX since like XX/XX/2022. I have a savings account with Discover
Product: Debt collection

Southwest Recovery Service put an account on my credit report in the amount of {$370.00} I called to find out what this account was  about back in XX/XX/2020. The rep told me it was a XXXX account for {$50.00} for a business called XXXX XXXX. I told the rep that the business was an LLC owned by me and two other people and why was this account on my credit report and why was I not notified before this charge was placed on my account. She told me to dispute the account and hung up. I disputed the account and it was still not removed eventhough I never received any letter from the creditor, no documents proving the debt and no time given to dispute the debt. I  then called back on Monday XX/XX/2020 and mailed out a payment to pay the debt in full even though I never received proof of the claim, or any type of mail. This was done before I knew my rights to file an complaint against the company. I also want my money back until the debt is proven.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX all are reporting unauthorized inquiries on my credit report. I did not authorize these companies to put an inquiry on my report and I do not know how these companies got my information. I need these inquiries removed immediately. 

Experian 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: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to investigate inaccurate items on my credit report and for not providing the specific information I requested regarding how they verified the disputed items, despite my efforts to provide all necessary documentation for identity verification.

On XXXX XXXX 2024, I mailed Transunion a Method of Verification dispute letter. In my dispute letter, I requested detailed information on how TransUnion verified the accuracy of the disputed items on my credit report. Specifically, I asked for ; The date they contacted the creditor and furnisher, The contact information of the creditors and furnisher, The name of the person who verified the disputed items, The method of communication used to conduct the investigation, Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address. 

Additionally, I reached out to XXXX, which is the furnisher of public records. XXXX has no record of bankruptcy on my consumer report ( Consumer Number XXXX, Case Number XXXX ). This raises significant concerns about how TransUnion verified the accuracy of the bankruptcy record reported on my credit report.

Despite my efforts to provide all necessary documentation for identity verification, I have not received any response from TransUnion.

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. Transunions refusal to provide the requested verification details and to properly investigate the inaccuracies has caused considerable inconvenience and distress. The presence of incorrect information on my credit report adversely affects my creditworthiness I am including a copy of my dispute letter sent to TransUnion as proof.
Product: Bank account or service

Good afternoon I thank you for responding back to my complaint inference to discover account XXXX XXXX I would Like to ask you per The FCRA XXXX ( A ) ( XXXX ) ( A ) AND sECTION XXXX ( A ) ( XXXX ) ( A ) Per the the FCRA I have the right to ask for a copy of the application with My Signed Signature attached It 's a federal Law also If you could provide The cfpb a copy of this document If you are unable to Provide this Information I urge to to remove this account from my credit file XXXX. Disclosures to consumers XXXX XXXX XXXX. XXXX ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumer 's file at the time of the request except that -- ( XXXX ) if the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and XXXX - XXXX U.S.C. XXXX XXXX the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 
( XXXX ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 
( XXXX ) ( A ) Identification of each person ( including each end-user identified under section XXXX XXXX XXXX ) ( XXXX ) [ XXXX ] ) that procured a consumer report ( i ) for employment purposes, during the XXXX period preceding the date on which the request is made ; or XXXX ii ) for any other purpose, during the XXXX period preceding the date on which the request is made. 
XXXX XXXX XXXX XXXX identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and XXXX ii ) upon request of the consumer, the address and telephone number of the person. 
( C ) Subparagraph ( A ) does not apply if - ( i ) the end user is an agency or department of the United States Government that procures the report from the person for purposes of determining the eligibility of the consumer to whom the report relates to receive access or continued access to classified information ( as defined in section XXXX ( b ) ( XXXX ) ( XXXX ) ( i ) ) ; and ( XXXX ) the head of the agency or department makes a written finding as prescribed under section XXXX ( b ) ( XXXX ) ( A
Product: Money transfer, virtual currency, or money service

PNC Bank did not allow me to transfer my money.
Product: Mortgage

It is with great desperation that I have written to Sp servicing requesting a loan modification that would be affordable for our family. I intend to stay in my home and, hope, through the loan modification program. I will be able to get my loan back on track. I am very frustrated. This process has taken so long that I have incurred attorneys bills, escrow account increases and monthly principal and interest. SP servicing has conducted a review in accordance with the investor 's eligibility rules. 
I qualified for a loss mitigation program which offers a repayment plan with a balloon payment at the end. I had to reject the plan because of the balloon payment. 
Sp servicing claims this program was intended to help you avoid foreclosure. .However, now that so I do not lose my home Iam willing to take that Trial period they are telling me the loan is no longer available.. Are they playing games with hard working people. 

I am pleading now to please review my case and offer a more reasonable program. I do not understand how now that there is a change of circumstances the servicing company can not work with me,. 
I was fortunate for in XXXX of XXXX, I became employed at a restaurant near my home. My income has greatly improved with these increases. I will be able to to make my payments. I live at my residence since XXXX. I want to maintain my home for my children. 
I also must tell you that refinancing is not an option. My home does not appraise. 
I ask again you reduce the interest, extend the terms of the loan and I will be able to afford my home. 
I have submitted requested appropriated documents including my spouse 's financials such as paystubs, bank statements, to demonstrated that I am serious. 
I am hoping you can understand..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a recent college graduate. Upon checking my credit report, I found several inquiries, wrong address and a collection account that does NOT belong to me. I am trying to seek employment but these erroneous items are preventing me from employment. 

FOR THE RECORD : This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Fed Credit Union ( twice ), XXXX Card, XXXX, XXXX XXXX XXXX and XXXX XXXX NA. I also have a collection account with no name but an account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking XXXX, XXXX and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 


This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX  and XXXX  continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. I am expecting you to follow the laws and have this information blocked from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I got a notification on XXXX XXXX that credit card with Truist ( formerly SunTrust ) that reporting past due. I have not used the card in over 7 months. On XX/XX/22 I called Truist, after holding and being transferred to different departments for almost an hour I filed a Fraud claim as I never made the {$17.00} purchase. I expected that the open Delinquency would be removed but I was told that it would take up to 30days as they investigate. I advised them that I am closing on a house in less than 30days and that it needs to be removed. I was transferred to a manager ( fraud dept ) whom was very rude and short with me. I advised that this could have been prevented had I received proper notice of the account balance / status via mailed statement / email / text / call, but I didnt receive anything notifying me. He claimed that they have been sending statements, I advised him that They Didnt even have my correct address updated. On XX/XX/22 I called to update my address, when I called XX/XX/22 they still had my prior address on file. I also mentioned that I have been mail forwarding ever since and have not received any information about my account owing a balance or being past due. He said that he can transfer me to the credit card dept and maybe they can better assist. Then I waited 35 more minutes and was transferred 2 more times ( was on the phone 1 hours & 58 minutes total ) I was transfer to XXXX  credit card dept but was told they can not help and I was transferred to XXXX dept, they advised the same. That they can not help me and I would have to wait up to 30days, said maybe Fraud just didnt want to deal with it as Credit Card dept can not help either. I mentioned that this could affect my personal life / ability to close on my home as this information is incorrect and the transaction is fraud. I have never in my life been late on a single account and now this could prevent me from closing up n my new home. I need this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX$1700.00} XX/XX/2021 accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit card or prepaid card

I need to file a complaint on behalf of discover card I received a pre approve credit noticed in mail so I applied for the card and got denied. the advertise information stated that I was approved I reached out to discover reconsideration line this morning to find out why the rep was so rude and nasty Saying whatever this whatever that this is a very unprofessional bank and the way you conduct business. I'm not the least bit concerned about getting an account with discover if the services is going to be this way. But however since discover sent in fraudulent noticed I asked that you delete that inquiry from my credit report. I'm not talking about the soft pull I'm talking about the hard pull please delete ASAP
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXXXXXX XXXX from 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. 
This account reported on my credit report is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/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

My credit information was grossly misused by Equifax. I am a victim of the recent security breach, and now am having to take numerous steps to try, and protect myself due to Equifaxs unbelievable negligence regarding customer security. This has not only affected me, but my husband as well. Along with 143 million other Americans. I have been working hard to build my credit, and now I have to worry about someone taking all of that from me due to Equifaxs negligence. Not only do I have to worry about  someone tanking my credit score, but I have to worry about the possibility of fraudulent tax returns in my name, or someone emptying my bank account.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint about being a victim of identity theft. According to Fair Credit Reporting Act Section 605B ( a ), you are required to remove/block any items opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX in late XX/XX/XXXX for the amount that's past due and that is on my credit report. I submitted a dispute with XXXX and Equifax, but they have updated the info rather than deleted. Also, I submitted a dispute for the XXXX XXXX that's no correct and even reports twice on one of my credit reports for XXXX. This account keeps is not mine and shouldn't be reported twice on any credit report. Also, in XX/XX/XXXX and XX/XX/XXXX, I was looking for a car, went to a car dealership and applied. Last month somehow 19 inquiries showed up on my credit reports. That is not correct and those inquiries should be deleted off of my credit report.
Product: Credit reporting or other personal consumer reports

Compliance with FCRA XXXX necessitates the removal of any erroneous accounts from my credit report. Could you kindly review the documents? Certain listed accounts exhibit inaccuracies in their reporting.
Product: Consumer Loan

We were offered a payment extension on our loan which stated that the payment would be moved to the end of the loan and that our final payment might be " slightly '' more. It is close to XXXX which in my opinion is not slightly more than {$590.00} which is what our final payment was to be. I truly feel that the advertising for this extension was fraudulent & deceptive and had we known that there would be that big a difference in the final payment along with having to still make the payment that was skipped, we would have never agreed to that.