23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My credit report had hard inquiries not allowed by me not sure if it 's for marketing but I 've written equifax XXXX and XXXX to no avail about this. Many hard inquiries are against my permission : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have a credit alert on my account and I 've written each company directly.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report nor have applied to them, it is stressing me out and making me anxious.
Product: Debt collection

New Era Asset Management has been contacting me numerous times a week and leaving messages saying that legal action will be pursued if I don't respond by XXXX pm EST and/or that I will forfeit any discounts if I don't respond immediately. I received multiple calls per day and XXXX voicemails were left from XX/XX/22 until XX/XX/22, when I spoke to XXXX XXXX. 

During the XX/XX/22 phone call, he told me that I owed an unspecified amount of money to an unspecified lender and that since they owned the debt now I needed to settle it ASAP. I informed XXXX XXXX that I had no idea what debt he was referring to since he gave me no details so I requested a debt verification letter. I provided my updated address for this purpose then informed him that I did not want to be contacted again about this matter until I received a letter verifying the debt ie original lender and amount. XXXX XXXX assured me that he would have the verification letter prepared and mailed to the address I provided. 

XXXX, XX/XX/22, I received XXXX phone calls from XXXX XXXX, who identified himself as a supervisor at New Era Asset Management. His message said, " Hi this message is intended for XXXX XXXX. My name is XXXX XXXX and I'm a supervisor here at New Era Asset Management. This is not a sales call or a solicitation. I'm contacting you today in reference to XXXX XXXX. This matter of yours was forwarded to my office and requires your immediate response. Please return the call as this will be documented as my first attempt to reach you personally. My direct number is XXXX. Call me back please & refer to file # XXXX. This is an attempt to collect a debt & any information obtained will be used for that purpose. Thank you. '' XXXX XXXX then proceeded to call : my mother, my father, and both of my brothers. He left the same message with all XXXX of them even though they have nothing to do with this debt. 

XXXX XXXX not only failed to provide a debt verification letter and honor my no contact request, he also disclosed personal and private information to all of my family members which caused them much worry and distress. Moreover, this company obtained a copy of my credit report using a hard inquiry which is completely unnecessary and which I interpret as an intimidation tactic since hard inquiries decrease my credit score. As XXXX XXXX is surely aware, if he needed to obtain updated contact info his company could easily use a service such as XXXX for this purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian, one of the major credit reporting agencies, for failure to correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have been disputing the following accounts with Experian for some time, but they have yet to be removed from my credit report, causing significant harm to my credit score and overall financial wellbeing : Collection account XXXX XXXX XXXX. Account number XXXX XXXX XXXX XXXX XXXX. Account number XXXX XXXX XXXX  XXXX XXXX. Account number XXXX XXXX. Account Number XXXX AXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX. Account Number XXXX XXXX XXXX. Account Number XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX I am in the process of trying to purchase a home, and these inaccurate accounts are negatively affecting my creditworthiness, making it difficult for me to obtain financing for my home purchase. Despite providing documentation to support my dispute, Experian has failed to take the appropriate steps to correct my credit report as required under the FCRA. 

I request that you investigate this matter and take the necessary steps to ensure that Experian complies with the FCRA and removes these inaccurate accounts from my credit report. Additionally, I request that you prioritize this investigation, as the inaccurate information is impacting my ability to purchase a home. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 

As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done.

I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

( CFPB ) has recently filed a lawsuit against Equifax,, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax, has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax, inaction violates federal law and my rights as a consumer..
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My family opened an account with East West bank ( https : //www.eastwestbank.com/ ). We deposited {$5000.00} on XX/XX/XXXX, via a check from XXXX XXXX XXXX. 

On XX/XX/XXXX, East West bank decided to close our account, without providing any reason. They said the {$5000.00} deposited to East West Bank will be credited back to XXXX. On XX/XX/XXXX, our East West Bank account was closed, and the account activity shows that {$5000.00} has been withdrawn. However, our XXXX account never received the {$5000.00}. 

I called XXXX, and they explained that this check was never received, and advised me to let East West Bank issue me another check. I then called East West Bank, and they said that the check has been mailed out, and it was not possible to mail another check. This time, East West Bank told me the routing and account number of the check. 

So I called XXXX again, telling them the routing and account number, but XXXX was not able to locate this check. I even escalated with XXXX and spoke with a supervisor, who was not able to locate this check either, and told me that East West Bank needs to issue a new check - the same thing I was told before! 

I gave one last call to East West Bank and asked to speak with a manager. The manager said they are not able to provide further information, and said that " further actions will be in vain ''. I have voice recordings of this conversation and can provide them upon request. 

I respectfully request you to take a look into this issue. The two banks involved are East West Bank and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Credit Information Services , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the accounts listed below.

I am sure you are aware and understand that it is required by Federal law that Creditors and Credit Reporting Agencies must take proper care in ensuring the accuracy of this information with my accounts; adhering to this of the utmost.

In this regard, I hereby request the following steps to remedy this situation to ensure compliance with all provisions of the Fair Credit Reporting Act, Metro 2 Compliance, and the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with the above-mentioned Laws regarding my Credit file for each of the following accounts : XXXX XXXX XXXX collection. Demand deletion Bureau : Equifax Creditor : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Bureau : Equifax Creditor : XXXX XXXX Additional relevant fields are : Payment Rating reported as Late 120 Days Date of Last Activity reported as XX/XX/XXXX Date of Last Payment reported as XX/XX/XXXX Date of Account Information reported as XX/XX/XXXX Date Opened reported as XX/XX/XXXX Date Closed is Not Reported Last Verified is Not Reported Date of First Delinquency is Not Reported High Balance reported as XXXX Balance Owed reported as XXXX Im seeking written evidence of timely billing and the posting of all payments I made on each account, regardless of whether you claim they were late from the time these accounts were opened to this present date. pursuant to 15 U.S. Code 1681g - Disclosures to consumers If you are not able to provide me full disclosure that I am legally entitled to have in writing. Please notify me within 30 days that you have deleted all late entries from my credit report.

Im thanking you in advance for attending to my requests promptly Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX ) ( Account number 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference complaint IDs XXXX, XXXX, XXXX, and XXXX Once again, XXXX XXXX is being crooks and retaliating against me for filing with CFPB and XXXX 
First off, in reference to the city shutting the water off, that could not be further from the truth. I have attached photos of the water turned on from my faucet. I also attached the notice from XXXX XXXX that was on the door stating they shut the water off. XXXX XXXX is the XXXX XXXX XXXX hired by XXXX XXXX falsely claiming the property was unoccupied and vacant. There is overwhelming proof that disputes that. 
We closed on the house and the new owners took over on XX/XX/2021. XXXX keeps harassing me, calling me every week, asking if the house is occupied. It even shows on my account as being paid off. 
To make matters worse, they fraudulently reported to the credit bureau a 180-day delinquency on XX/XX/2021. I have never experienced such blatant fraud committed against me from a financial institution. The house has not been in my name since I sold it on XX/XX/2021 ; plus, I was in the covid protection plan until at least the end of XXXX like so many others. 
Off to The Michigan AGs office I go. I wonder how many people they have done this to? They do not even have any branches or offices in Michigan. I am not sure why XXXX sold my mortgage to this bank but you can believe it was with bad intentions.
Product: Mortgage

In early XXXX, we requested Mr. Cooper remove this property from the forbearance program and that we would pay any back payments owed. Instead, Mr. Cooper placed this loan into a deferral modification which has created a tremendous headache for us as we are trying to obtain another mortgage loan with a different lender. 

For 5 weeks we have requested Mr. Cooper correct what they did. I have talked to 10 different customer service reps, received multiple conflicting responses ; most recently 2 weeks ago when I was told they they would correct the problem and remove the modification in '3-5 days ' only to be informed after the 5th day, the modification request " had been rejected '' with no explanation as to why. I was then told the process had to 'start over again ' ( on or about XX/XX/XXXX ). I have emailed and called the 'dedicated customer service ' rep I was supposedly assigned every day ( as well as email ) for an update on this status only to receive ZERO response providing any status as to this request.

This is one of the worst customer service experiences I think I have ever experienced. Mr. Cooper was able to place this loan into the program I did not request in a day yet 5 weeks have gone by and one of the largest mortgage servicers in the US is unable to reverse this mistake. 

This issue has seriously impeded my ability to secure other financing and it is going to probably cost me $ XXXX to seek an alternate solution for something Mr. Cooper SHOULD have resolved 4+ weeks ago.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is the letter I sent on XX/XX/XXXX to XXXX XXXX XXXX : My account opened XX/XX/XXXX is a charge off showing an amount past due {$2500.00} on my credit reports. This inaccuracy alone means you must remove it from my credit reports immediately. In addition, this account is indeed charged off, so why did I never receive a copy of the 1099 C which you are required by law to provide me for my taxes? I did not receive either of the 1099 C. You received a tax write off for these debts, and I should not have this debt reported on my credit profile. It is now a certificate of indebtedness and income to be reported by me to the IRS. 
Please send me any and all forms or documentation proving you have the right to report this as a debt to my credit report. If you can not provide this documentation, please remove these debts from my report immediately. 
This is also a letter I sent to XXXX XXXX on XX/XX/XXXX : Dear XXXX XXXX, I have been receiving numerous harassing emails since XXXX demanding payment for a charged off account. There are two accounts that have been charged off, One for {$600.00} opened XX/XX/XXXX and {$10000.00} on XX/XX/XXXX. These accounts are indeed charged off, so why did I never receive a copy of the 1099 C which you are required by law to provide me for my taxes? I did not receive either of the 1099 C. You received a tax write off for these debts, and I should not have this debt reported on my credit profile. 
Please send me any and all forms or documentation proving you have the right to report this as a debt to my credit report. If you can not provide this documentation, please remove these debts from my report immediately. 
Please cease and desist all attempts to contact and harass me through email or mail, unless it is to provide me with documentation for which I have asked. Remove these account from all three credit reporting agencies immediately. 
There are lates being reported on my now closed long standing XXXX XXXX account, It is illegal to report transaction history. P
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( Case XXXX ) I have been impacted by XXXX a ( ID XXXX XXXX ), my SSN being used as a personal gain. My file shows FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The accounts are : Fraudulent : XXXX XXXX XXXX # XXXX Balance : {$110.00} : Opened : XX/XX/XXXX Hard Inquiry : XXXX : XX/XX/XXXX Based on the CFPBs recent lawsuit against Experian for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand that Experian to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I AM BEING PSYCHOLOGICALLY HARASSED. 
Failure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). Additionally, I reserve the right to report Experians non-compliance to the following agencies : Consumer Financial Protection Bureau ( CFPB ) ; Federal Trade Commission ( FTC ) ; Attorney General of North Carolina. Failure to resolve this matter promptly and accurately will leave me with no choice but to explore further legal action to protect my rights and the integrity of my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed some fraudulent accounts on my credit report. the following accounts are being submitted to be blocked and deleted from my credit report.
Product: Debt collection

I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.
Product: Debt collection

I just went to see my credit report and saw this unknown debt collectors called XXXX XXXX XXXX of which I know nothing about. So I went online and checked who they are. And they collect debts for XXXX companies. But i have never collected any phone or get a contract from these people, so I think it is an identity theft. Please, help me resolve this issue and take it off from my credit account. Thanks
Product: Credit card

See previous report filed to FTC about XXXX XXXX XXXX XXXX in XXXX XXXX, Florida that I filed earlier-has to do with missing XXXX  parts at the vendor while in their custody for service repairs-asking {$400.00} off the total invoice of {$3600.00} due to damages and willing to pay {$3200.00} as mentioned also to Capital One
Product: Debt collection

Picked up a rental car from XXXX On XX/XX/year>. XXXX represtative only asked if I wanted to add toll fees to my rental, and I advised yes. I was advised of no No additional fees/ charges, and did not authorize any additional charges. 

I received the final bill, and saw that there was a charge for damage waiver XXXX ( I did not need or request because I have my own personal insurance coverage ), concession fee waiver XXXX ( I did not authorize ), and premium emergency road side assistance ( I did not authorize or request ). 

I now have a collection agency ( viking client services ) trying to collect on charges I do not owe.
Product: Debt collection

I spoke with XXXX different individuals today, Sunday, XX/XX/scrub>/2025. On the final call today, I spoke with a supervisor for my alleged debt to negotiate a settlement for XXXX accounts that they had in their office and when offering a settlement they refused to take my money. I requested someone above the supervisor, they claimed that there was no one above them even though their title was supervisor not XXXX, XXXX or XXXX, etc. The supervisor stated they were not given authorization to accept the settlement I offerer although the debt was purchased, that was why I requested to speak with upper management who can provide higher authority. Again, the supervisor denied my request and they stated good luck. The call can be reviewed by said company to establish all true statement and proof of Falsifying information. I believe this is A violation of the FDCPA for falsification of title and 1006.18 False, deceptive, or misleading representations or means.