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

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX credit reporting agencies or persons has violated the following fair credit reporting act sections on my consumer reports : 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting, 15 U.S. Code 1681e - Compliance procedures- ( a ) Identity and purposes of credit users, 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, 15 U.S. Code 1681a - Definitions ; rules of construction, and 15 U.S. Code 1666b - Timing of payments. XXXX is reporting the following accounts and information violating the laws I listed above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Equifax is reporting the following accounts violating the fair credit reporting act laws listed above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account reporting XXXX {$140.00} balance with no creditor or person information. 

XXXX is reporting the following accounts violating the fair credit reporting act laws listed above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I've also attached the fair credit reporting act laws so the person can read the laws they violated.
Product: Mortgage

Since XX/XX/XXXX I have been trying to get approval to Short sale my home as I can no longer afford Due to XXXX and XXXX  issues and I owe more than its worth due to the several modifications since XXXX. My original XX/XX/XXXX Interest Arm loan from XXXX was the reason for the XXXX Market crash. When I said I need to short sale, I was told I need to be denied a Modification before a Short sale is allowed. Bank of America and XXXX transfer back and worth thruout the years making even more difficult to fix issues. Especially when they transfer 1st loan only. So I now need to deal with 2 different Companies to get approved for Short sale. In the past BOA has delayed things on purpose and they are doing it again. It took them 6 weeks to approve my County Authorization to help me. They gave them the Application of Mortgage Assistance to complete and then a few days later Im notified that BOA is transferring to Shellpoint in 2 weeks and I have to wait till they have it to send the completed Request for Mortgage Assistance. I have witnesses from my County help of all this and the difficulty and ridiculousness of BOA. They are definitely NOT helping Homeowners. Only making it harder to resolve issues to make it right. I have attached proof that I have been trying to get Authorization for my County to speak to BOA since XX/XX/XXXX. BOA said my signature didnt match yet its the same on my ID. Also that I spoke with Mgr XXXX who never called me back
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate without previding any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I had a my Best Buy Visa through Citi and it expired on in XX/XX/2018. When I logged onto my account it stated that there was a document for me to review ( I am attaching it to this complaint ). The letter states " We appreciate your business as a My Best Buy Visa Platinum customer. Unfortunately, as the result of a recent review of your account, we regret to inform you that your My Best Buy Visa Platinum account will not be renewed beyond the expiration date on your credit card. '' It also states the the account is in default. So the bank expects me to pay the charges and will continue to charge me interest at a rate of 26.99 % on a card that I can no longer use.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Unverified Bankruptcy Reporting Dear CFPB Team, I am writing to formally report an issue I am experiencing with XXXX, XXXX, and Experian, as they have failed to adequately investigate a bankruptcy reference number XXXX that is currently being reported on my credit report. I believe this entry is unverified and inaccurate, which is negatively impacting my creditworthiness. 

On XX/XX/year>, I submitted a dispute to XXXX, XXXX and Experian, providing documentation that supports my claim that the bankruptcy was not filed by me. According to the Fair Credit Reporting Act, I understand that credit bureaus are required to investigate disputes in a timely manner. However, I have not received a satisfactory response or resolution from XXXX. 

Despite my efforts to clarify this matter, the unverified bankruptcy remains on my credit report, affecting my ability to secure loans and credit. This situation is unjust and contrary to the protections afforded to consumers under the law. 

I kindly request that the CFPB investigate this matter further. I am seeking assistance in ensuring that XXXX, XXXX and Experian, fulfills its obligation to verify the accuracy of the information it reports and removes any unverified entries from my credit report. 

Thank you for your attention to this pressing issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

on XX/XX/XXXX i had {$550.00} taken from my credit builder bank account with Chime by XXXX XXXX XXXX, this only resulted because a Chime employee wrongfully informed me about a month ago that i could not block merchants from my account so i would just need to turn off my credit builder card. i have XXXX accounts, my regular checking account and my credit builder account. money from my checking account will go into my credit builder. When i noticed this money had not only been taken from my account unauthorized it was transferred from my checking to savings when i had the button to do so turned off and my card turned off as well. somehow i have no idea those buttons were turned on and i know for a fact i did not do so or authorize so. i called the company and the lady on the phone told me that the information i had been given is wrong. and i could've blocked the merchant. anyway i file the dispute with the lady on the phone and she advises me to delete my credit builder account as well. i told her i want to given i no longer feel safe that a bank employee is giving me wrong information. i then ask her if doing so will my money be refunded back to me properly and it wont interfere with depositing. she said " no '' i kept calling back chime employees to speak to someone higher up about this issue and nobody offered any help or had any desire to help me in my situation. even had some employees insult me. i have records of phone calls with the employees. 
finally on XX/XX/XXXX the dispute was settled but the money was not deposited back into my checking out. 
i call and again i was informed how another employee screwed up, they told me i should've never deleted my credit builder account because thats where my money would be given back. i told them i was told opposite. 
i would call almost everyday and same thing, wrong information, employees not wanting to help, employees not even knowing what to do. they even kept informing me that my money was already given back to me. finally after my XXXX call or more a lady says she can see i never received my {$550.00} back. she said the company would mail a check and it will be there in 30 days. i said thank you and asked if all the information could be emailed to me. she said they would be emailing me everything by the end of the day. i did not receive anything. i call the next day i was then told by another employee they dont offer emailed information because it is against policy, i ask to speak to someone higher up because i need my money they hung up. i called again and a lady told me to message the help center. i email the email address she gave me and i am responded back with " wrong email '' i call again XXXX at a loss now.
Product: Mortgage

In 2010 my loan was transferred to Green tree services from XXXX I had an approved loan modification from XXXX. Once green tree got the loan They refused to honor the modification and made me loose my home. 
The property is XXXX XXXX XXXX XXXX XXXX MD XXXX.
Product: Credit reporting or other personal consumer reports

My identity and social security number were stolen on XX/XX/XXXX. On this date, I contacted Experian, XXXX, and XXXX to put a fraud alert on my account. I received a letter from XXXX dated XX/XX/XXXX that they have placed a fraud alert and that Experian and XXXX were notified. A few days later I received a letter from Experian stating that the fraud alert had been placed. 
I have realized that Experian has breached this fraud alert. The person who stole my identity has changed the fraud alert and the verifying contact information to them. The phone number and email to verify my identity on Experian has been changed and I realized this on XX/XX/XXXX. I have attempted to call them and they will not let me speak to a representative due to not having verifying information to confirm my identity. The Identity Thief also made an online account so I can not make an online account to re-place the fraud freeze. 

I need this to be handled promptly as I am continuing to get credit card applications in the mail. On XX/XX/XXXX I received a credit card letter from XXXX and I am anticipating more to come now that my security has been breached with Experian
Product: Credit card or prepaid card

I called barclays and reported my credit card which I paid off over a year ago had payments on it I did not recognize they said they would do and investigation and would let me know what they found out and that I would not have to make a payment and it would not effect my score until they finished their investigation. this has been going on for over 3 months. Barclays sent me a new card canceled the other card and I was waiting to find out about the account I called them again after noticing that they said that XXXX and XXXX were on my card but those were subscriptions that automatically came from the card which I don't know how long I had that set up on the card. I explained I don't have the card that is why I asked for another, each time I called back because the new card kept showing and amount past due and a {$2000.00} dollars a month which they said they credited me for the fraudulent stuff they found not the card but now the other amounts of a card I don't have. they also did not keep their word on not having it placed on my credit report until they finished the investigation and this was stated by there customer service and fraud department. I checked my credit report today and it says that barclays has me 30-59 days late on my payment. I spoke with over 6 people and keep getting transferred to another customer service agent. they have tried to rewrite what My original statement was from not recognizing anything on the credit statement, to I called in to say that the XXXX and XXXX is the fraud which I called in to check which was not my original complaint. I keep explaining that yet they refuse to resolve my issue I agreed that I have a XXXX and a XXXX so if those are subscriptions they come out automatically. Barclays now wants to send me all of my statements to check and see what could possibly be mine on there and fax it back to them when I already explained I do not have the card and did not recognize any of the items on the statements. yet they have placed it as late payments on my credit report which has taken my XXXX XXXX down to XXXX on a perfect credit payment history for years and that is the only bad mark I have on my barclays card. I want my score corrected until they finish the investigation and clear up the debtXXXX case number Barclays call back 2 days. XXXX. 

XXXX spoke too on XX/XX/2023 spoke about why do I have a balance left and when I explained to them about not recognizing any of the charges they told me about my XXXX and to contact them about return of my amount because of the missing card. They said the amount deals with other charges not involved in the investigation. 

XX/XX/2023 XXXX could not understand her accent and kept repeating the same thing over about me owing interest and a past due balance of the account. 

XXXX XXXX not resolved XXXX is not a supervisor Legal Department - fax number XXXX mark account Id XXXX circle and fax them back for investigation 7 to 10 business days to finish.
Product: Student loan

My loans were transferred to Mohela in the spring of 2024. I submitted a SAVE plan application XX/XX/2024. According to the Federal Student Aid portal my application was not reviewed or processed by Mohela as of today 's date XX/XX/2024. The Federal Student Aid website temporarily approved my monthly bill with the SAVE plan for XXXX a month. In XXXX, The SAVE plan was put on hold due to supreme court legislation. I received a bill for XXXX. I called Mohela and it was impossible to speak to a representative. After an hour and a half on the phone, the representative I spoke with was not aware of the legislation, did not " see '' my SAVE plan enrollment and said they are not processing electronic IDR plans. I was not given any information on how to reduce my payment since I am not able to afford a nearly XXXX dollar a month payment. She told me that I would be put into forbearance. This was XX/XX/2024 I did not get a bill for XXXX but in XXXX I received another bill. I tried calling Mohela again because I was under the impression that I was in forbearance and would be put automatically into forbearance since I had applied for the SAVE plan in XXXX and should have been enrolled in the SAVE plan and now the legislation will not allow for that plan. Since I was not able to speak with anyone, despite calling and requesting a call back, I tried to enroll in forbearance myself online through their portal. I also submitted a physical copy of an IDR form to try to lower my monthly payment. It is now XXXX, and my forbearance request seems to not have been received and I am " late '' two payments. I have also submitted a PSLF form and according to the Federal Student Aid Website, I only need to make XXXX more payments. However, Mohela is evading my requests for genuine help to reduce my payments, they do not have " any '' record of my PSLF and they simply tell me to keep submitting paper forms that will be processed by whom? This is an absolute nightmare and Mohela is obstructing the process to pay back loans putting the borrower in default.
Product: Debt collection

Transunion allowed XXXX XXXX XXXX to put inaccurate and incomplete information on my credit file. On XX/XX/2019, I wrote a letter to Transunion and XXXX XXXX XXXX stating for them to supply me with a signed original contract, so that I can establish a time period of the debt. I also asked for a full accounting of this account that will show payments made, if any. 
My request was simple and of reasonable nature. 
On XX/XX/2019, I received a letter from Transunion stating the reporting of this debt was verified as accurate. I also received several random bills from XXXX XXXX with three unrecognized random phone numbers. I have serious concerns about this account and the way that they are furnishing the information on my credit file. 
They is no history being reported which means that the information that's being reported in inaccurate and incomplete. 
Since Transunion has stated that they have verified this account, I now have the legal right to have them prove that they are furnishing accurate information to my credit reports. 
Again, provide me with an original signed contract and a full accounting of his debt. 
I have attached the letter that I sent to Transunion and to XXXX XXXX on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Comonwealth Financial Systems didn't send any correspondence to me in reference to this debt. I have disputed the debt through credit agencies and have sent them letters requesting verification including original bill/signature and haven't received anything from this company. Commonwealth isn't bonded in the State Of Georgia to collect debts..
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX PayPal Holdings , Inc. 


PayPal Reference : XXXX XXXX have been using PayPal without any problems for years. However, my son, XXXX XXXX asked me for help money-wise, {$2000.00}. XXXX did not have XXXX or PayPal so I asked XXXX to get XXXX or the other so I XXXX transfer money to him. 
On XX/XX/XXXX, XXXX informed me he had a PayPal app. I told XXXX I would send him {$25.00} to see if it would transfer properly, and it did. The PayPal transaction is # XXXX. Up to this point, I had no contact with XXXX XXXX 's name. 
On XX/XX/XXXX, I sent {$2000.00} to XXXX using PayPal and my debit card to XXXX, PayPal Transaction # XXXX. XXXX did not receive the money. When I checked with PayPal and filed a complaint, I noticed XXXX new contacts I did not know about, for a total of XXXX contacts for XXXX XXXX : XXXX ) XXXX XXXX backgroundXXXX XXXX XXXX XXXX, XXXX XXXX written below the circle ; XXXX ) XXXX XXXX background, XXXX XXXX XXXX XXXX, XXXX XXXX written below the circle ; and XXXX ) a blue circle with an icon in the middle of it ( do not know what it represents ), and XXXX XXXX below the circle. 
The PayPal XXXX informed me the {$2000.00} went to the email XXXX my son XXXX informed me that he has never had any XXXX email address. 
First and foremost how did XXXX unauthorized XXXX XXXX contact icons get added to my PayPal page if XXXX nor I requested or put them there? In my opinion, PayPal was hacked and this person who performed the hack put these XXXX false XXXX XXXX contacts on my PayPal account and does, has, or had an email address of XXXX and received my {$2000.00}. If those XXXX unauthorized contacts were not hacked into my account, then my {$2000.00} would have transferred to my son, XXXX as did the {$25.00} I sent him on XX/XX/XXXX. 

Secondly, PayPal informed me that the messages in their message box would be available to me for 3 years as of XX/XX/XXXX. I have not been able to access the message box nor print the messages I had with the PayPal XXXX on XX/XX/XXXX, XXXX. 
When the PayPal XXXX was asked by me how can I print our conversation, I was informed that they would send me an email with a copy of our conversation, which I have not received as of XX/XX/XXXX. 
I believe that my {$2000.00} should be returned to my debit card since the money was sent to my son XXXX XXXX who had received {$25.00} in a test run on XX/XX/XXXX, and I did not add, or have knowledge of the hacked contacts added to my account. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX cc : Consumer Financial Protection Bureau XXXX Bank Colorado BBB XXXX Colorado