23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hors stating the account is accurate, without providing any evidence if a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 168i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I wrote a letter to Trans Union because they are reporting a XXXX off with XXXX Bank AND a recent late payments. So every month that my report is generated, it shows a late payment to them although the account is charged-off. IT IS NOT POSSIBLE TO CONTINUE TO BE LATE AND THE ACCOUNT IS CHARGED OFF. 

I recognize that the account has been charge-off due to non-payment. However, the lender nor creditor can indicate recent late payments when the account is inactive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I accessed my credit file with Equifax. At this time all of my current and recent accounts were missing. My credit file now consisted of old accounts that had dropped off due to age and old accounts that had been deleted. I have tried for several months to get this corrected with no success. This morning XXXX XXXX, XXXX all of the accounts re-appeared along with several other accounts that were not there before. As I write this I am on the phone with a XXXX XXXX XXXX from Equifax named XXXX and a XXXX named XXXX who just transferred me to another department trying to resolve this and get my true credit file to avail. This has truly been a nightmare, all I want is for my credit file to reflect the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts : XXXX XXXX Balance : {$940.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX This was already included in my prior COMPLAINT # , and I'm including it again. this complaint is my follow-up complaint to ensure the validation of the listed accounts.
Product: Student loan

Navient has been harassing me daily, many times/day for a loan that isn't even past due. Every single day. I don't know how legally they are still in business.
Product: Mortgage

I am a homeownership advisor with XXXX XXXX. I submitted an XXXX to Ocwen 's loss mitigation email address, XXXXXXXXXXXX, and it bounced back. I went the their loss mitigation website to confirm the email address and it is a blank page : XXXX.
Product: Credit reporting

XXXX XXXX XXXX XXXX ( XXXX ), without my knowledge or consent, transferred a credit card balance to my XXXX savings account and created an Installment Account, i.e., Account # XXXX, under my savings account, without my knowledge or consent. Thereafter, XXXX XXXX XXXX XXXX began sending account information, notices, and loan payment coupons to the wrong mailing address wherein I did not have access to any of the information. 

Per my credit report, XXXX listed the type of account as " Individual/Applicant. '' Per the credit report, the Status of same is : " Closed, Account Closed by Grantor ; Installment. '' I did NOT apply or enter into any Agreement with XXXX to have them transfer anything to my savings account, particularly not a credit card balance. I just recently discovered what XXXX had done when I contacted XXXX to obtain copy of recent statements I was affiliated with. To my surprise, I was told that my savings account had been closed/membership terminated and a loan had been " written off. '' XXXX has refused to allow me access to Online Banking and/or bank statements relative to any of the accounts I am affiliated with at XXXX. According to my credit report, XXXX reported that I had opened an account with them on XXXX/XXXX/XXXX, with the last activity on XXXX/XXXX/XXXX. The information XXXX provided the credit reporting agencies is false and/or inaccurate because I did NOT enter into any Agreement with XXXX relative to a new Installment Loan or any account that opened on XXXX/XXXX/XXXX, nor did I have any knowledge or awareness regarding such account being created by XXXX.
Product: Credit reporting or other personal consumer reports

I spoke to numeral acct associates. most I could Not understand. 
I finally spoke to a XXXX in the XXXX and she stated she would check phone conversations. 
After checking and verifying that I was told a courtesy correction would be asked for, she said it was not. 
I have spoken to many customer service agents with XXXX throughout this horrible experience, and although my Ex spouse made many unpaid payments, I was Never told that {$28.00} estimates of late payments were due. I paid what the Customer service people asked of me on the {$470.00} payment. If the system is behind or inaccurate from that day, I should not be responsible. Again. I was told the system caught up that same day I made the payment. I was NEVER told that day or after that day there was a balance due!! Again. XXXX XXXX was in this acct and this was Her car, it doesnt show in her report as late.
Product: Credit card or prepaid card

Cash app is not allowing me to add my debit card to make transactions on my account. I couldn't send money which is what made me try to update my card.
Product: Debt collection

I was contacted out of the blue regarding an alleged debt of {$13000.00} that I supposedly owed on an account with Bank of America that I never opened nor had received any correspondence in regard to. 
I had numerous calls from their representatives and explained to each of them that I hadnt any account with them. This went on for over a year on and off and my credit score was destroyed as a result. 
I recently received a summons from the XXXX XXXX XXXX that I was being sued by BOA for a debt I never incurred. In addition, the address they are using is in Rhode Island. I live in XXXX Ohio and have for over XXXX years. I responded to the summons last week and will be in court when instructed but I know there is no evidence against me because I never applied for anything from BOA and they refused to send me anything that indicates I did. I am in the process of retaining an attorney to sue BOA for all the grief they have caused as well as the damage to my credit rating and reputation.
Product: Credit card

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX. {$820.00} XXXX XXXX XXXX. {$1300.00} XXXX XXXX bal. {$3600.00} XXXX bal. {$670.00} XXXX XXXX bal. {$1200.00}
Product: Credit reporting or other personal consumer reports

My information has been affected by the data breach and I have a XXXX XXXX XXXX opened XX/XX/year> account on my credit that isnt mine.
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 FCU Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : Chapter 7 Bankruptcy 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

We, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, are submitting this statement regarding our dispute with XXXX XXXX XXXX due to deceptive and fraudulent sales practices. 
As XXXX XXXX facing financial and medical hardships, we were misled during the timeshare purchase process. We were promised a XXXX BuyBack Program Guarantee and falsely assured that we would receive a check covering maintenance fees. These promises were not honored, and attempts to contact XXXX sales personnel and member services for resolution have been ignored. 
We were subjected to misrepresentation, deceptive trade practices, and XXXX XXXX XXXX in violation of XXXXXXXX XXXX XXXX Law. We were not informed of our right to rescind until after the period had expired, leaving us trapped in a contract we can not afford. 
We are demanding that XXXX XXXX XXXX cancel our timeshare contract and refund all monies paid, as we were misled into this purchase under false pretenses. We request that XXXX acknowledge this dispute in our credit file as we seek resolution.
Product: Debt collection

Credit control LLC continues to furnish information incorrectly on credit file. Made contact with XXXX XXXX and spoken XXXX XXXX. 
Company informed me no debt was owed on account. According to FCRA Guidelines this is illegal. Requesting full investigation and listen to call XX/XX/2020 @ XXXX EST.
Product: Payday loan, title loan, or personal loan

I live in XXXX, Ohio. On XX/XX/XXXX, I got an online 6 month loan from Advance America and found out that the interest I am being charged 332.78 % APR. My understanding is that they now must lower their rate to 26 % APR. I would like them to follow the new laws here in Ohio that were enacted in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION is REPORTING Inaccurate and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance on A XXXX XXXX XXXX collections account XXXX XXXXXXXX ( closed / XXXX/closed and paid increased to {$1000.00} and {$2000.00} even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. Transunion is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Transunion is in negligent compliance by reporting this information as accurate when in fact, they are not Trans Union has reported over several times as accurate when clearly, they are not. XXXX XXXX XXXX and Transunion are violating My consumer rights and FCRA laws. XXXX XXXX XXXX is I believe retaliating with unethical practices by providing intentionally inaccurate information as XXXX violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to Transunion. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Case : XXXX XXXX ( XXXX ). Any XXXX XXXX XXXX accounts and data must be DELETED from Transunion and Transunion due to violations of the FCRA and XXXX XXXX XXXX Be fined {$1000.00} to {$10000.00} per FCRA Violation.
Product: Debt collection

I contacted Medicredit in XXXX of this year about 4 debts, they told me if I paid the debts off they would delete it from my credit report. I paid all the accounts off. They all have {$0.00} balances. After I paid them they then refused to remove them. I then contacted XXXX  and started a dispute. They completed their investigations and DELETED the accounts from my credit report becaiE Medicredit told me they would remove them if I paid them. The accounts were removed from my credit report on XX/XX/2020 and today they are back on my credit report again! I am fixing to be XXXX  due to this. I have worked so hard to get my credit repaired and paid off every single debt I owed and now they are reported a second time on my credit with a {$0.00} balance. I did exactly what Medicredit told me to do so they would remove all 4 accounts and they conned me to pay them off and XXXX  removed them and then Medicredit reported them a second time after they were removed!
Product: Debt collection

I FILED A POLICE REPORT AND ALSO LET THE CREDIT COMPANIES KNOW WHEN I WAS IN CUSTODY SOMEONE WAS USING MY NAME TO GET THINGS AND I JUST FINDING OUT ABOUT THEM AND TRYING TO CLEAR IT UP I DID NOT MAKE THIS LOAN IT IS FRAUD AND THIS COMPANY IS NOT TRYING TO HELP ME FIX THE ISSUSE
Product: Credit reporting or other personal consumer reports

the information they are reporting to my profile is false and according the the law 15 use 169c ( c ) all inaccurate information must be removed
Product: Credit reporting, credit repair services, 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 Account # XXXX Account name : XXXX XXXX XXXX Account 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 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 am a natural person, I am living human being, I have rights under 15USC 1681.

Equifax is govern by 15 USC.1681.And they violated my rights numerous times. I demand the account listed below.be removed because According to 15USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish the accounts.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/2019 I entered into an agreement with Vanderbilt Mortgage and Finance , Inc. at XXXX XXXX in XXXX Texas with XXXX from XXXX XXXX XXXX. She nor VMF clearly and conspicously, explained my right to rescission. I have recently discovered other misrepresentations in the agreement which render it void. VMF customer service continues to ignore my requests for information, even so much as refusing to sign for a XXXX letter I sent.
Product: Debt collection

this creditor is harrassaing me on my job. they are taking money out my account. sending legal papers
Product: Debt collection

USAA Federal Savings Bank did not send me any notifications of a car payment was behind or in repo status. My husband had the car. Me and my husband separated due to XXXX  XXXX over a year and half now. My husband also got {$5000.00} money from XXXX XXXX  for the car in which I recently found out. 
I was getting the run around last year due to covid 1to reclaim 9 in which was going on sent 2 letters to USAA Federal Savings Bank with no reply. I was the co signer on the loan in which i could never get no real information to the loan by USAA Federal Savings Bank. 
I never received any letters of payments behind or the car went into Repo status with USAA Savings Bank. 
There was no notice to reclaim the car in repo or any letters mail to me of any kind to the said car. 
I now received a letter from XXXX XXXX in which is a collections company. 
I have also talk to attorney about this situation with this loan about notice of the the car payments behind and no letters to reclaim the car when it was going into repo status from USAA Savings Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information reporting from a company named " XXXX XXXX XXXX ( XXXX ) '' for {$280.00} and " XXXX XXXX XXXX '' for {$880.00}, every XXXX  days for XXXX  XXXX XXXX XXXX months consistently. I have complained that about these collection companies with any help.
Product: Debt collection

As I checked my credit profile I noticed a company trying to collect a debt that I have no knowledge of I have never signed a contract with them electronically nor verbally
Product: Credit card or prepaid card

I got my case XXXX which was held in court and dismissed by the judge on XXXX. Please remove that Debt from my credit report.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balanced {$1000.00} XXXX XXXX Balanced {$0.00} XXXX  XXXX XXXX Balanced {$39.00} XXXX  XXXX XXXX Balanced {$1700.00} XXXX XXXX XXXX Balanced {$630.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent XXXX, Equifax, and XXXX  a letter asking for them to verify the method of verification they used for my bankruptcy. They responded with a copy of my credit report and Equifax never responded to the the method of verification letter that I sent to them at all. I also sent letters to the companies to the third party agencies that held my bankruptcy info to find out what method they used to verify and also received little to no responses from them. Two of them just sent back verified and I should contact XXXX, but still not providing the method used to verify the information. Equifax never responded so I called them XX/XX/2021 and they stated they can not send out a method of verification by mail. They get the bankruptcy info from the courts and from the consumers. I told them consumers don't send in bankruptcy information and neither does the courthouse and they proceeded to tell me I should contact the courthouse, which I had already done so and they sent me back information stating they do not verify any information with the credit bureaus. 

The credit bureau sent back my credit report instead of methods of verification information that I originally had requested. If they could not reveal to me how they verified this item then it needs to be deleted according to FCRA. They once again refused to delete the item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Debt collection

I sent numerous documents to this debt collector and they havent complied with any of my request, also they continue to send me collection letters with fraudulent amounts of debts that i dont owe. They haven ' t produce a contract with my wet signature or anything associated with name stating that i agreed to this obligation they are in violation of numerous consumer laws
Product: Debt collection

I got divorced in XXXX and I got stuck with a credit card bill that I could not afford to pay. I was taken to court and the judge ruled in XXXX Banks favor and I did owe this bill. I get XXXX in XXXX and XXXX in XXXX and the judge said they won judgement but could not collect.In XXXX they served garnishment papers on any income tax return I get, but I dont have to file as Im way below the poverty level. I got a official looking court document on XXXX XXXX XXXX the next day I called the courthouse and was told no court papers had been filed and to ignore or contact the lawyer listed. I did not contact him as hes not pleasant. But I did notice he signed a scrawled name in spot where the judge or clerk signs. Here is the name of lawyer XXXX XXXX XXXX XXXX Mi. XXXX
Product: Mortgage

i have a XXXX mortgage on my property that was transferred to greentree servicing on XX/XX/2013 and i subsequently have paid the XXXX $ speedpay payment ever since.They recently paid me back XXXX $ for the last 3 months.My question is under their recent settlement with the CFPB are they going to refund all those speedpay payments?