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

Hello, I created an account with Equifax in 2017 and set up a freeze on my report. Recently, I tried to access my account to temporarily lift the freeze, but I have been unable to log in, to reset my password, or to unlock the account in any way, even after contacting Equifax customer support and spending over an hour on the phone with an agent. 

The agent presented vague excuses like " your account is missing a registration date '' and cryptic remedies like " I've escalated your account, try to log in again in XXXX XXXX  ''. The agent also asked me to give her my password, which I had to dictate by voice over the phone. This is completely unacceptable, especially given their past data breaches. 

In the end, the agent was unable to resolve the issue and either unable or unwilling to allow me to speak with a supervisor. The call was terminated without resolving my issue. It is unclear if they hang up or the line was cut. I'm still unable to log in or reset my password. 

I would like to note that I am a software engineer, I use a password manager, and I am certain I am using the correct credentials. I have also found the XXXX thread linked below, which shows this has been a known issue for at least 2 years : XXXX  : XXXX Thank you.
Product: Money transfer, virtual currency, or money service

In XXXX  two unauthorized transactions occurred on my account of XXXX dollars were sent to unauthorized people. I tried filling my complaint and disputing the transactions with my bank but because it was through Zelle there was nothing they could do. I have looked for the receipts but Zelle only show up until 18 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX Date XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX Date XXXX Balance : {$15000.00}, XXXX XXXX Date XXXX Balance : {$6700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00}, XXXX XXXX Date XXXX Balance : {$12000.00}, XXXX XXXX Date XXXX Balance : {$7500.00}, XXXX XXXX XXXX Balance : {$4400.00}
Product: Debt collection

After a detailed examination of my latest credit report, I identified several unauthorized accounts that seem to have been included without my knowledge.
Product: Mortgage

XXXX XXXX, XXXX CFPB : Bank of America/LaSalle Bank claims that my XXXX ARM Loan XXXX on XXXX XXXX XXXX, XXXX, IL XXXX, was Securitized into RMBS, including, but not limited to, AFC Mortgage Loan Asset Backed Certificates Series XXXX ( XXXX, XXXX XXXX and XXXX XXXX Series XXXX ( XXXX, XXXX XXXX, that it, BofA/LaSalle, is the Trustee for all such RMBS, but refuses to supply me details. 
Please have e-mailed to me, for my ARM Loan, the Names and Start and Termination Dates of all the RMBS into which my ARM Note was securitized, along with the names, contact information, number of shares, percentage of shares, and periods of time of ownership of such shares, of all the Certificateholders of said RMBS. 
Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 17 consecutive on time payments of {$4500.00} to Caliber Home Mortgage ( Acct # XXXX ) on a 30-year fixed mortgage. However, in XXXX they increased the amount due to make up for an escrow payment for property taxes. I was not aware of the increase and my auto-bill pay sent the same amount. I was notified that I was late in XXXX, but knew I was current. However, I found out I the increase of {$54.00} was the difference in the increased amount that was late. Upon hearing the news I immediately paid the {$54.00} difference, in fact I paid {$190.00}, just to make sure no late fees or accruals would be attached. Then I saw they reported me as 30+ days late on my credit report. I asked them to remove it, but said due the Fair Credit Act, I must request removable by the CFPB and the Agencies. I sent a note to the agencies and to you as well.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled Santander XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

On XXXX Your company responded to my complaint with the CFBP stating that the incorrect account from Ally Financial has been deleted. As of XXXX this incorrect account from Ally Financial is still reporting to my credit file as should be removed as soon as possible. I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I am distressed that you have included the below information to my credit file, your organization has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under the laws of the FDCPA, I have contacted the collection agencies myself and I have not been able to get them to respond or to verify that the debt is indeed mine. The FCRA Requires you to verify the validity of the information you have placed on my credit file. If the validity can not be verified, you are obligated BY LAW to remove this item. There is a clear case of unverified debt here and I urge you to remove this item before I am forced to take legal action. My lawyer has advised me to file an FTC report, which I have done so. Our next step will be to bring this information forth to a judge in my area, while I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. The following accounts are the result of the XXXX XXXX XXXX which my information was a part of, I have attached legal documentation to this letter. I look forward to a fast turnaround.
Product: Credit reporting or other personal consumer reports

My name is incorrect on my files with all 3 credit agencies, which is preventing me to establishing credit. And there are old accounts still listed after 7 years or after the accounts have been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020 )
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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.

15 U.S.C 16

81 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, credit repair services, or other personal consumer reports

I disputed inaccurate information, inquiries, as well as accounts that was not mine that have been falsely reporting on my credit reports. I addressed these items was not valid and demanded they be investigated. I also demanded that any information not validated be removed from my reports, and anything that was verified I demanded to see proof of validation within 15 days of completion of investigations. I sent all mail certified it has been over 45 days and no changes to my reports have been maid nor have there been any proof of validation. According to the FCRA section 609 these agencies are violating my rights and reporting inaccurate and incomplete information as well as information thats completely not mine. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, are the accounts falsely reporting on my reports all information is different on each credit bureau as if there are duplicate accounts. Experian refuses to remove old inaccurate name XXXX XXXX, and address XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX and follow suite with XXXX and XXXX which have already removed this name and address. Even though I informed them of potential fraud.
Product: Mortgage

This complaint is to request CPFB to enforce RESPA on the following Servicers/owners : XXXX XXXX XXXX, Selene Finance, XXXX XXXX and XXXX XXXX XXXX XXXX that have been appearing one after another in the case explained here below. 
On XX/XX/XXXX XXXX XXXX XXXX filed an unsupported foreclosure on XXXX XXXX Courthouse case # XXXX-XXXX-XXXX XXXX against my home, claiming amounts out of the permanent modification agreement signed on XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, the same entity that on XX/XX/XXXX did proof in Court that I was current in my payments according to the permanent modification agreement ; XXXX XXXX repeatedly scheduled on XXXX a non-jury trial motion to dismiss with the Judge that was delayed and opposed by XXXX XXXX. Many unnecessary delays have kept the unsupported foreclosure going on for 21 months now and with the appearance of 3 more new Servicers/owners in the case. A phone conciliation conference was finally scheduled but cancelled twice, I was told to give way to the settlement. 
On XX/XX/XXXX the new and fourth servicer/owner appeared : XXXX XXXX XXXX XXXX ; this company made the attempt several times for me to sign a new hardship modification package that I refused as it is obviously out of order ; then on XX/XX/XXXX I was informed of a settlement to deduct about {$10000.00} from the loan amount, cover lawyer fees and reinstate the payment according to the permanent modification agreement ; but it was astonishing to realize they were increasing the balance amount of the loan in {$20000.00} more, what of course I did not accept. The last communication through XXXX XXXX from XXXX XXXX dated XX/XX/XXXX, was to send again a new hardship modification package to be signed, what of course I refused. I guess XXXX XXXX is under a lot of pressure from this block of entities created to try to crush the system. 
I am out of debt and I always honor my payments on time but this situation did low my credit score to the incredible number of XXXX. I just sent again to XXXX XXXX XXXX the full payments accumulated that they sent back as well as the payment of XXXX. 
Because I dont see an end to this negotiation is that I humbly ask you to enforce Respa on these 4 servicers/owners. They are abusing me because I am a defenseless XXXX  Senior Citizen female that will turn XXXX next XXXX, and which health has suffered with this underserved and heavy attack. I thank you in advance for your consideration and all help you can provide that it can be an example in the future of the consequences of forged scams.
Product: Debt collection

I enrolled in a debt relief program on XX/XX/XXXX and advised Regional Finance of XXXX XXXX XXXX XXXX XXXX XXXX of this change and instructed them to contact XXXX XXXX XXXX XXXX XXXXXXXX and speak with them as they have power of attorney on my behalf. Regional Finance calls me at least twice per day, XXXX, and leaves messages. On the occasions I do talk to them, they are told the same thing and instructed by me to stop calling. They will call back later that day or the next day. They tell me my credit will be destroyed, they don't work with debt consolidation, nobody answers the phone at the number provided, nobody from accredited returns their calls. They have called me at least once per day since XX/XX/XXXX. I told them on XX/XX/XXXX to contact XXXX. On XX/XX/XXXX they called me again and acted as if it was the first time they ever called. I told them to check the notes and they said they won't work with them and to deal with them now or my credit will be destroyed beyond repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I bought a home and had the mortgage threw XXXX XXXX. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that XXXX continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and XXXX XXXX directly multiple times and have been ignored every time.
Product: Credit reporting or other personal consumer reports

Letter to Experian Date : XX/XX/year> To : Experian XXXX Department XXXX : Failure to Investigate & Inaccurate Reporting Formal Dispute To Whom It May Concern, This letter serves as a final demand for correction of the inaccurate information on my credit report and a direct response to your failure to investigate as confirmed in the CFPBs findings on XX/XX/year>. You are in clear violation of multiple federal statutes, including : 1. 15 U.S.C. 1681i : Failure to conduct a reasonable investigation into disputed information.

2. 15 U.S.C. 1681s-2 : Permitting the continued reporting of inaccurate information provided by furnishers.

3. 15 U.S.C. 1681a ( 2xi ) : Failure to ensure accuracy in consumer reports.

The CFPBs findings have confirmed your systemic failure to uphold the Fair Credit Reporting Acts ( FCRA ) provisions, particularly regarding your duty to investigate disputes thoroughly. In my case, you have repeatedly ignored these obligations by : Failing to provide sufficient evidence to validate the disputed accounts. 

Allowing XXXX ( Account XXXX ) and other furnishers to report inconsistent and damaging information. 

XXXX5 U.S.C. 1666b : Failure to resolve billing errors promptly and accurately.

12 CFR 1026.13 : Non-compliance with the billing error resolution process as required under the Truth in Lending Act.

15 U.S.C. 1637 ( b ) : Failure to provide accurate periodic statements reflecting the true status of the account.

Neglecting to verify the accuracy of payment history and account statuses.

This negligence has resulted in material harm, including an artificially lowered credit score and damage to my financial standing. Under 15 U.S.C. 1681i, I demand the following : XXXX. A detailed written explanation of your investigation process and findings. 


2. Immediate removal of all inaccurate, unverifiable, or incomplete information on my credit report.

3. A copy of all documentation provided by furnishers for the verification process.

Should you fail to rectify these errors within 15 calendar days, I will file formal complaints with the CFPB, FTC, and my state attorney general. Furthermore, I reserve the right to pursue all legal remedies available under federal and state laws. 

This is your final notice. You must take immediate corrective action. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

We have tried for years to get Shellpoint to work with us it got so bad that we filed Bankruptcy in XXXX cause we didnt know what to do then we tried to modify the loan but they want us to pay over XXXX a month which is way to much. Last year in XX/XX/XXXX we signed a deed in Leiu of foreclouse I was told they would settle with the second mortage for XXXX which was never done. We received a letter from an attorney for the second mortage. All of this should have been taken care of and nothing was done. when I called Shellpoint they said the Deed In leui was not longer valid cause they couldn't get in touch with second mortage which we we were never notified of any of this. They show we owe XXXX which is XXXX over what we paid for the house kinda scary. I beleive they charging all kind of fees for paperwork and deed in leui and foreclosure process and other fees but they not doing anything the house is falling apart.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Unauthorized Accounts and Inquiries on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ XX/XX/2024 ] Consumer Financial Protection Bureau [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the unauthorized addition of several accounts to my credit report by XXXX, XXXX, and TransUnion. I believe that these actions constitute a violation of my consumer rights under 15 USC 1621, and 1608, as the accounts listed below were added to my credit report without my written consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request that all these unauthorized accounts be not only closed but entirely removed from my credit report as they lack my permission or consent and do not pertain to me. Additionally, I would like to request the removal of the following hard and soft inquiries from 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 I kindly ask the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the violations of my consumer rights. Your assistance in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter. 

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

The following accounts and credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report is fraudulent accounts and credit inquiries : XXXX XXXX for {$220.00}, XXXX/XXXX  for {$100.00}, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX/XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX  XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX, XX/XX/2020 and XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

This is the second time I make this request the following two accounts I do not recognize and I suspect they are the product of identity theft, I have already inquired directly with XXXX but they have not been able to furnish me with any proof, the accounts in question are : XXXX XXXX {$2500.00} XX/XX/2019 XXXX XXXX XXXX These items were once removed from XXXX and XXXX but they have put them back, I know theres a law that forbids credit bureus from doing this. I need accountability here, that is why I am filing this report. 

I am attaching a copy of a complaint I made last month.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.