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

I have reached out on multiple occasions to resolve a matter with Equifax, I am requesting them to send me physical verifiable proof that the collection belongs to me. Their investigation results always come up as " verified '' yet I have not received any physical proof. I have also requested them to send me information on the inquiries made on my credit report, and yet they failed to do so. According to the FRCA under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ), Equifax has failed to comply with my request.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I had a collection account removed by XXXX XXXX XXXX. On XX/XX/XXXX, I went back to check my credit report and the collection account had reappeared. According to 15 USC 1681i ( B ) ( iii ) ( 2 ), I should have been provided " the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ''. I never received any of this upon request Also, on XX/XX/XXXX, I had a collection account removed from XXXX XXXX XXXX. On XX/XX/XXXX, it reappeared without any notice or statements from Transunion regarding the reinsertion. This has caused significant damage to myself and my families financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple inaccuracies on my report I would like them to be removed immediately Account XXXX Account XXXX And also multiple payments being reported late which I have never been late on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an 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 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The : following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The XXXX of XX/XX/2021 Caine WeinerXXXX damaged my credit history and dscore on XXXX, XXXX and XXXX and threatened they would damage my credit which they did which prevents me from doing business with other and getting high rates. 
Caine WeinerXXXX have violated Title 15 U.S. Code Subsection 1692e, Title 15 U.S. Code Subsection 1692f and Title 15 U.S. Code Subsection 1692d and I am seeking the removal from XXXX, XXXX and XXXX and my credit history
Product: Debt collection

I am reaching out to file a complaint against the company XXXX, and True Accord. I had allowed my boyfriend to use my XXXX to make a purchase and he made the first payment and then his hours got cut at work and he then was laid off which left him unable to pay. This was on my XXXX account and they sent it over to debt XXXX at True Accord. True accord sent me an email on Monday XX/XX/XXXX letting me know they were in charge of this now and that if I wanted to dispute the charges to respond to the email. I responded telling them I want to dispute the charges of {$250.00}. Then on Tuesday XX/XX/XXXX, I was sent an email that the debt had been paused and they were sending this back over to XXXX to handle. I contacted XXXX by phone on XX/XX/XXXX, and they said that the payments were sent to True Accord and they couldnt help and I would need to contact them. Once off the phone with XXXX I called true accord and they confirmed they sent it back to XXXX and could no longer help and that I needed to contact XXXX I stated to them that I had just gotten off the phone with XXXX and they told me true accord was fully handling this. They said they were not and that XXXX a system might not have updated yet. I called XXXX back to let them know this again and the man I spoke with seemed frustrate and told me he doesnt know why true accord would give me misinformation and that they were handling this. He advised me to wait XXXX days then contact them again. Yesterday was XXXX days so again I contacted True accord and they told me the same thing that they sent it back to XXXX on XX/XX/XXXX at XXXX. He sent me an email as confirmation so I again called XXXX  back asking for their help with this. The man I spoke to today was not very helpful at all. He told me the same thing Ive been hearing true accord was handling this and they couldnt do anything. I let him know true accord sent me an email showing that they sent it to XXXX and I said so I would appreciate your help. The guy said he cant help all I can do is pay. I told him I wanted to file a dispute that is what Ive been trying to do and its been the biggest hassle ever. The man I spoke to XXXX days ago at XXXX said he could help with the dispute once it was back in their hands. This guy today said I cant dispute, he said hed remove the late fees then said sorry I cant, he mentioned hardship relief then said oh sorry I cant do that either. He said all that can be done is I pay. I told him this isnt my purchase to pay. I wasnt responsible for these charges and its all negatively effecting me. I provided proof of everything Im saying and he was unwilling to work with me. He told me to find a way to pay my boyfriends debt and hopefully he will pay me back. If I was able to pay this for him, I already would have. Its not something I can do.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion '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 providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion '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 Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I've marked as inaccurate ( CENTRAL XXXX XXXX  ) ( ACCOUNT XXXX XXXX XXXX
Product: Debt collection

I have a debt collector Waypoint resources that has been on my credit report it is not my debt and I have disputed it know 2 -3 times and have put a statement on my credit report about this debt collector along with other incorrect data I have had .I have no knowledge of this and I am cleaning my credit up and this one will not go away and very unprofessional employees they have at this business ..please look into this
Product: Debt collection

McCalla Raymer Leibert Pierce, LLC and PROF-2013-S3 XXXX, by XXXX, as Legal Title Trustee has engage in unfair practice by violating the FDCPA 1692f ( 6 ) ( a ) by sending a Notice of Foreclosure Sale date XX/XX/XXXX 

Taking or threatening to take any non - judicial action to effect dispossession of disablement of property if - there is no present right to possession of the property claimed as collateral through an enforceable security interest. 

McCalla Raymer Pierce , LLC a law firm who regularly engage in consumer debt collection, who litigates on behalf of its clients who principle purpose is debt collection qualifies as a third party debt collector as defined by the FDCPA 1692a ( 6 ). 
XXXX v, XXXX, 514 U.S. 291 ( XX/XX/XXXX ). 

The law firm was retained by clients that are not creditors or lenders, but are portfolio XXXX debt buyers / debt collectors who acquired defaulted loans after or has been discharged in bankruptcy, then regularly attempts to collect these debts, who principle purpose is debt collection. And who collect debt owed to another. 1692a ( 6 ). 

The law firm and their client has engaged in debt collection activity while attempting to enforce a security interest they do not own.15 U.S.C. 1692f ( 6 ) ( a ). 

They provided no verifiable proof of ownership as requested and no evidence of a chain of title proving possession of the original document that authorize the law firm to initiate a foreclosure action. 

McCalla Raymer Leibert Pierce, LLC was sent a written dispute letter within the 30 days as required by the 1692g. The law firm has violated 1692g ( b ) by failing to provide the verified documents as required under the under the ACT and initiated an unlawful foreclosure action while continuing to attempt to collect a debt. Birster v. America Home Mortgage Servicing XXXX Inc., 481 Fed. Appx.579 ( 11th Cir. XX/XX/XXXX ).
Product: Student loan

My student loans were transferred to Mohela recently. I have been trying to reach this company by phone ( only means of communication ) for over one week now. You can not email or chat with a representative. Each time I call, I am put in a wait cue for several hours. It doesn't matter what time I call. So effectively, there is no way to reach a live person or have communication about your student loans. 

I am trying to reach them because my reported loan information is inaccurate including my original loan amount and then number of payments made to date. Further more, it appears that I have gone from a interest of 1.97 % to over 4 % on the balance of the loan. My balance of my loan was suppose to carry a fixed 1.97 %. 

Additionally I am seeking and awaiting more information on the Biden One Time Student Loan XXXX XXXX debt relief. Per their site, applicants should receive " notification '' this month. I meet criteria for this debt relief and do not want to miss the deadline.
Product: Mortgage

Hey guys, You are such awesome people. Need your help. 

In 2022 my tax assessor billed me incorrectly. They would later fix the issue and bill me the correct amount. 

The initial 2022 tax amount : {$2700.00} The corrected 2022 tax amount : {$770.00} The mortgage company increased my escrow payment to reflect the incorrect {$2700.00} escrow. My first attempt to get help was on XX/XX/2022 at XXXX. I sent a message via in-app chat to the mortgage company to run a new analysis on my property. I never received confirmation that they ran the analysis. 

12 days ago, on XX/XX/2022, XXXX XXXX  EST, I requested my mortgage company to run an escrow analysis again on the property to correct my escrow being nearly 3x what it should be. 

Since then, I have reached out via phone, twice via email ( XXXX ) & once via in-app chat. I have received no response from any of the 3 mechanisms except via phone I was told that " I will pass along the information ''. 

My mortgage company is a wonderful group and has always treated me well. Their support team is very kind. I am happy to be patient, just concerned that no one has even attempted to reply to my email or acknowledge my attempts to give them the correct information. 

My current escrow balance is {$2900.00} - far greater than the {$770.00} I was billed last year. By the time I pay taxes again, the balance of my escrow may be nearly double that. 

I have attached a screenshot of the old bill and the updated bill. Here is the URL to the XXXX XXXX XXXX XXXX website with updated info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thoughts on how we can help fix this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I received an alert from myfico.com that my Transunion score dropped XXXX points. I was shocked and could not figure out why. I checked and it said that a personal finance report was removed from my report. I am not aware of anything as when I checked, nothing was removed. All my accounts open and closed are accounted for and this is upsetting for them to report such a big drop when nothing in my report is missing. Please correct this. 
Thank you.
Product: Money transfer, virtual currency, or money service

I am disputing a Square Inc purchase XXXX XXXX XXXX XXXX from XXXX XX/XX/XXXX. I have provided Square Inc w documentation that XXXX XXXX is claiming they can providing construction services when they are not licensed to do so. 

I have provided Square Inc w documentation from the licensing agencies showing it is illegal for this business to accept services or claim they can provide them. 

However, Square not only continually allows them to utilize their platform for illegal activity, they have actually advocated to other banks upon XXXX behalf to continually receive funds for this illegal activity. 

Not only is allowing the platform to be used for illegal activity misconduct, advocating for them to do so is further misconduct.
Product: Checking or savings account

I was a victim of a scam. On XX/XX/2023 I became a victim of a loan scam. It was a company that was online, that was fraudulent. They were able to hack into my bank account and started reversing transactions, including my rent. I was then threatened to go to XXXX and send them {$1500.00} via XXXX transaction I I was told that if I did not do that, they would make it so that no bank or any other lender would ever borrow to me again because they could make it look like I was the one filing claims and reversing payments to all my monthly bills. When I went to XXXX to send the funds via debit card to my bank, which is JP Morgan, Chase, I called the bank immediately to report this. They assured me on the phone that they would stop all this, and that I would not be responsible for the money I lost. Now XXXX days later Im told from Chase Bank that its my fault that I was the one that sent this money voluntarily and that there was nothing else that they could do. I now am negative in my checking account of over {$1300.00}. After XXXX  years of banking with JP Morgan, Chase they are not helping me in this matter. I have filed a complaint with the XXXX XXXX XXXX and also filed a police report. They are still not helping me I am now worried about facing eviction and I have nowhere to go I know where to find an extra {$1300.00} because I live paycheck to paycheck.Please help. I have all the fake loan documents, and even contacted the company where they were informed that this person was using their letterhead fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  on XX/XX/19 by XXXX XXXX XXXX has an inquiries on XX/XX/19 in which I did not apply or request any credit from XXXX XXXX XXXX XXXX. There should be no inquiries for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and all fraud alerts on my credit file
Product: Checking or savings account

Checking acct ending XXXX Company XXXX XXXX XXXX by XXXX 3 Transactions all dated XX/XX/2024 Transaction amount {$100.00}, {$340.00} & {$500.00} I stayed at this hotel XX/XX/XXXX check out XX/XX/XXXX. Received a checkout reciept by email on that day saying balance due was XXXX XXXX charges above total XXXX there a XXXX difference owed. Also there were unauthorized shop charges of XXXX I did not authorized that nor authorize room charges. Attached is a copy of my checkout reciept
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 Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 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: Credit reporting or other personal consumer reports

Equifax was tasked with investigating and running disputes for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Equifax admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXXXXXX. They refused to investigate that file for 2 years even while being requested to do so. Attached you will see the recent XXXX XXXX account that was flagged as fraud and deleted yet Equifax evaluated the account as accurate. This has been the issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has refused to delete the fraudulent files
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear sir, I would like you to complain the comment on my credit report accessed though email XXXX. On page 5, it says we received [ my ] request to remove a fraud alert from [ my ] personal credit report. Our records indicate that [ my ] credit report does not display a fraud alert. I have not requested to remove a fraud alert. Same as XXXX XXXX, which I requested your company why this XXXX XXXX was added before my identity theft issue started. 
Since I am a vulnerable by receiving Identity Theft number and many suspicious fraud activities around me, I will never request to remove my fraud alert. Since I realized another employee, which oversees XXXX, XXXX to see my report through its website, I wonder whether I can see correct credit report from your company. Also, I request whether your company added security freeze at your headquarters. Without reliable report, we can not make sure that your company adds those essentially important matters. I just wish I will meet a reliable credit report company in future, after these years with fraud alert. 
Sincerely,
Product: Mortgage

Freedom Mortgage has paid my XX/XX/2014 XXXX XXXX Property Taxes when they had already been paid by the title company. I have been working with them since mid XXXX to get the money back into my escrow account and they inform me they have request a refund from the tax bureau and the tax bureau has never received any thing from Freedom Mortgage. I have asked Freedom Mortgage for a copy of the refund request form but they have never provided me with oe. The amount of taxes paid by Freedom that needs to be placed back into my escrow account is {$790.00}
Product: Credit reporting or other personal consumer reports

Please review the attached file. I revoked their power of attorney over my account and opted - out of their services. Neither has been acknowledged or performed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Credit Bureaus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$44.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Bankruptcy Discharged Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor XXXX XXXX Balance Owed : {$370.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX ( Original Creditor : XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX, Account Number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX, Account Number XXXX has violated my rights.

15 U.S.C 1681 Section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.