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

I am denied every time I ask for a loan or credit card increase. I received a few letters that explained why and yesterday, I received one that mentioned " key factors that adversely affected your credit score. '' - SSN LIKELY INVALID - LACK OF HISTORY AT THIS ADDRESS - LACK OF HISTORY AT THIS PHONE - INQUIRIES DID ADVERSELY IMPACT SCORE with XXXX. 

Today I received another one that gave me a credit score of XXXX with TransUnion. 
This is impossible and shocking. 

I called each reporting agency, and nobody could help me, as always. When the subject of the call is about your three-digit score number, we always receive the same answer from all credit bureaus ; " I don't know why sir, because it's an algorithm, so we do not have a control over your credit score '' or " I have no access your credit score, you need to pay {$990.00} to have it. ''
Product: Mortgage

Upon initiating a mortgage with Santander Bank I forwarded tax bills to their mortgage servicing department. Santander Bank did not pay my real estate taxes in a timely manner resulting in a {$1000.00} penalty by my township. To date I have made approximately 18 calls to resolve this issue to the tax department and mortgage department but they refuse to return my calls or resolve this issue. The last conversation was with   XXXX   XXXX    XXXX . I have left her repeated messages and she has not returned my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian, XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and 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. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/19 Balance : {$14000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. The most recent event took place on XX/XX/scrub>/2025 and resulted in a {$1000.00} loss. Ive reached out and reported these monies to Cash Apps customer service multiply times and it has yet to be resolved with effective measures or due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX ( 4 years ), I have been trying to get Bank of America to update the information used on my mothers profile which Contains my social with my mothers name and address. During a XXXX software update, Bank of America admitted to merging profiles of same names and accounts that were held within the same home address. The last time I had a checking account with Bank of America was in XXXX. I moved mid XXXX and was married in XXXX, so I have not resided with my mother in 15 years and Ive had a different last name since XXXX. 
My mother has a credit card with Bank of America that has been open since the early XXXX when I was still a high school student. 
In XX/XX/XXXX my mother was solicited for a rewards version of her Bank of America credit card. The teller mistakenly pulled my credit and open the account under my social security number despite my mother presenting her own credentials. As soon as I got an alert regarding the hard inquiries and new credit card. I called to file a complaint and issue a fraud alert. The card was closed and BoA admitted to mistakenly using the wrong profile yet again. I do not understand why they have certified the information on my credit to be truthful when I have not done business with them in 15 years. I now have 2 new hard inquiries and another credit card shown to have been opened and closed on the same month on my credit report which do not belong there.
Product: Credit reporting or other personal consumer reports

I have requested several times for XXXX and Experian to correct the information being reported and I have not received the corrections updated and I have received no proof of the information being reported. 

Incorrect names, addresses and various other information
Product: Checking or savings account

Hey guys, on XX/XX/XXXX I got deposited sba relief loan in the amount of XXXX. I got accepted from the sba after all the pending process so I have a current contract with sba and the application # XXXX to make certain payments every month and I still dont have my funds. So I received my funds to the account so since my account is on Restriction due to the loan. I showed them proof of my loan agreement and contract details and everything and still nothing. They put it on restriction for quite some time now n they decided not to be in relationship with me anymore n close my account but before they close my account they said they have to send the loan back and it might take some time within weeks or months or so and Im still waiting and they havent sent the funds back to the sba and is like I did everything in my power to sort this all out. I already did a complaint with the cfpb.com and they sent me a letter which is in my other complaint saying they going to send the money back to the sba but they still havent at all what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve an account with the company AFNI, inc. The account number with AFNI is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. 

I have also disputed this account with XXXX  and XXXX  both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for AFNI on my credit report is : XXXX. This account with AFNI has been removed from my XXXX   report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.
Product: Mortgage

I 've been stuck in this modification XXXX with my for several years now. Last time I applied for a modification was on XXXX XXXX. I have submitted every document that they have requested yet no results have come out of it. just two weeks ago, my company requested some more information which I provided promptly. My current manager went on vacation and my servicer decided to start a foreclosure process on the property even though I am in a review for modification. California homeowner 's Bill of Rights strictly prohibits dual track process. The law says it that bank can not review for the modification while starting the process and filing a notice of default. My lender has broken the law. 

Wells Fargo Bank also continues to ask develop the same information over and over and over again. I have provided RMA and other requested information at least five in the last three months. however, the done nothing but ignored it and send me letters requesting it again.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into the inaccurate reporting of my credit information and to demand the deletion of the following account XXXX XXXX XXXXXXXX Account Number : XXXX In XX/XX/year>, information regarding this account was provided by a data furnisher to the credit bureaus. However, there are discrepancies in the reported data across the three major credit reporting agencies : - XXXX* reported the account as a charge-off in XX/XX/year> - **TransUnion** data shows no information regarding this account. 

These inconsistencies highlight the inaccurate reporting of my credit information. I have provided documentation demonstrating these discrepancies and showing the inaccuracies across all three bureaus. This inaccurate information falsely manipulates the statute of limitations and has caused significant harm to my credit profile. 

Under the Fair Credit Reporting Act, I have the right to accurate and consistent information across all credit bureaus. Your failure to investigate this account properly and correct the discrepancies has violated my rights. 

I am demanding the deletion of the XXXX XXXX account from my credit report due to these inaccuracies and the improper investigation of this account. I expect a prompt resolution to this matter and confirmation of the deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank has not reported several of my credit cards to the credit bureau since XXXX of 2022 which has a big impact on my credit report because I paid off all 3 cards, but they are still reporting high balances. I emailed them in XXXX and they said it would be fixed soon but it's still not updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Product: Credit card or prepaid card

Capital one charged me twice. Due to automated payments set up.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name/ # : XXXX XXXX  # XXXX Account name/ # : XXXX XXXX  XXXX Account name/ # : XXXX # XXXX Account name/ # : XXXXXXXX XXXX  # XXXX Account name/ # : XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account name/ # : XXXX # XXXX Account name/ # : XXXX # XXXX Account name/ # : XXXX XXXX  XXXX # XXXX Account name/ # : XXXX XXXX  # XXXX Account name/ # XXXX XXXX  # XXXX Account name/ # : XXXX XXXX  XXXX # XXXX Account name/ # : XXXX XXXX # XXXX Account name/ # XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX Accountname/ # : XXXX XXXX XXXX Account name/ # : XXXX XXXX XXXX XXXX Account XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX Account name/ # : XXXX XXXX XXXX # XXXX Account name/ # : XXXX # XXXX 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 furnace 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. 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 inaccurate
Product: Student loan

Navient has denied my XXXX XXXX XXXX application and has provided no reasoning for the denial. 
Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX XXXX. As a matter of fact, The XXXX XXXX XXXX XXXXXXXX was investigated by XXXX XXXX Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX XXXX, I was able to file a XXXX XXXX claim with the Dept. of Education against XXXX XXXX XXXXXXXX XXXX XXXX, and my Fed. loans of {$24000.00} were discharged and my credit repaired. My XXXX XXXX XXXX was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the XXXXXXXX XXXX didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! XXXX XXXX XXXXXXXX? XXXX
Product: Vehicle loan or lease

Made a payment on XX/XX/2019 for a XXXX XXXX, and traded the XXXX XXXX in XX/XX/2019. I traded the XXXX XXXX in on a XXXX XXXX from XXXX XXXX on XX/XX/2019. An automatic withdrawal was made from my primary checking account at XXXX XXXX XXXX {$430.00} on XX/XX/2019 for the XXXX XXXX I previously traded in. I called commerce bank where the XXXX XXXX was financed through, and they directed me to call the dealership as no payoff payment had been received on this vehicle. I called the dealership, who said they cut the check to commerce bank, and stated they had sent payment the day XXXX took possession on the XXXX XXXX, and that I should contact the bank about the lost check. The bank told me that they received a check in XXXX that was back dated to XXXX, and that any over payment would be returned to me. Now I have documentation that the loan was payed in full from XXXX, but fails to show any refunded payment amount for XXXX.
Product: Debt collection

I am extremely dissatisfied with the inaccurate reporting of late accounts on my credit file. The accounts in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should reflect a positive review or be marked as closed/never late. After a meticulous review, the banks have agreed to remove these accounts.
Product: Debt collection

I had two collection accounts put on my credit report from Helvey & Associates. I paid these accounts as soon as they were brought to my attention and they told me that they would be removed from my report and it would not damage my credit score. This is not true as my credit score has decreased by 90 points. 

They had an incorrect address for me and I never received any written letters. They did not have a specific unit number and sent the letter to a general commercial address and I did not receive any written correspondence from them. Now, my credit is destroyed and i'm trying to purchase a home and i'm unable to get approved as a result of this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank needs to verify how they did a complete and accurate investigation to the credit reporting agencies under section 623 A. If you use the EROscar system you did not properly do a complete and accurate investigation and the reporting of the account needs to be removed promptly. Continuing use of the E-Oscar system as a form of verification validates my rights and I will seek litigation
Product: Checking or savings account

Today I submitted an application to open a business account with NFCU. My business is XXXX at XXXX whereas we offer XXXX  XXXX  XXXX  particularly for XXXX-XXXX  for a fee. The XXXX  code is XXXX for consulting. The NFCU representative ( XXXX ) told me that is considered " financial '' and therefore, the account could not be opened. I asked why? Since I do not perform any financial transactions on behalf of any business. Reviewing a company 's operations and giving advice ( that may or may not be implemented ) does not constitute a financial business. I asked him what the appeal process is and he stated " there is none '' and that his decision is final. Consulting is not financial otherwise there would not be separate XXXX  codes differentiating the two. XXXX clearly needs training.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I had won a jackpot of XXXX at XXXX XXXX XXXX XXXX on the wheel of fortune. The Jackpot payee was XXXX ( XXXX XXXX XXXX ) I had been offered with XXXX annuity payments for the next 20 years or I was offered the lump sum payment of XXXX I had taken the lump sum payment but when XXXX had submitted payment they had submitted it to the wrong account an account I did not own or have any access too the account was a chase bank account I had informed XXXX that I hadn't received my money and that something must be wrong and when I had informed XXXX they immediately submitted an ACH reversal due to it being fraudulent but chase bank denied the reversal due to NSF which is not right nor is it my problem because the money was fraudulently sent to the wrong account and chase was informed of the fraud so NSF shouldn't matter it was never supposed to be deposited in the account I have tried to resolve this once before but Chase never held up their end of the deal which was to reverse the original funds back to XXXX so they could pay me what I am intitled to since I won it and am being taxed on it yet I never received
Product: Checking or savings account

I do not know the exact date that Wells Fargo froze my personal checking account stopping thousands of dollars in transactions because they did not inform me. It was sometime in early XXXX. By the time I found out in XXXX ( as I started recieving late notices, lapse in coverage form insurance policies etc. ) it had wreaked havoc as all of my bills, payments have been on autopay for many years. I have virtually no history of bounced checks, payments or anything adverse to effect my account which has been in good standing for over 20 years. There was virtually ZERO reason for this freeze and Wells Fargo admitted this error in writing but they are not offering any remedy for the financial chaos and losses I have experienced. So their letter of apology means nothing. I don't believe a bank should be allowed to do this and not have to be responsible for the consequences their actions have had on me, my finances, my credit and especially the loss of over {$500000.00} in life insurance policies that I've owned for years that I am no longer healthy enough to replace. It is devastating to me that my family/ estate will not be protected now upon my demise. The stress of this has also impacted my health ( which is already compromised ) and well-being considerably. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I think FCRA 605B obligates us to remove any incorrect accounts from my credit report. Can you please review the documents? Some of the accounts listed have inaccurate reporting, amounts, and dates.