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

On XX/XX/2021 I sent letters disputing inaccurate accounts on my credit report. It's been passed 30 days now and I have received no response. My disputes are not being processed and section 611 ( a ) states that a failure to investigate these items within 30 days means these disputed accounts should be automatically deleted from my credit report. My information was also affected by the Equifax data breach and may have fell into the wrong hands. I would like to resolve this without escalation so please remove these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on XXXX XXXX  XXXX, XXXX XXXX ', XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I have derogatory marks on my report as far as collection and charge offs.. I have paid these debts with collection agencys put the remarks remain on my report : XXXX XXXX account was paid : XXXX XXXX XXXX account was paid -wedbank/atl/imagine account was paid : - XXXXXXXX XXXX XXXXXXXX account was also paid all these accounts remain on my report and they have been settled and paid they should be removed under theTILA ( truth and lending act ) as well as the UCC..Also I have attached screens shots of my receipts of my settle accounts and the correspondence with companys
Product: Debt collection

Portfolio Recovery calls on weekends before XXXX and after XXXX XXXX  sometimes several times a day. I checked my credit report I have nothing on there from Portfolio Recovery in collections. Not sure why they keep calling me buts aggravated and harassment at this point. They call from different numbers everytime I block them.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/2024, my credit score dropped on the XXXX credit bureau for a personal loan through XXXX that I did not authorize or open. 

The loan was taken out for {$1100.00} for 19 months on XX/XX/2024 per XXXX XXXX. 

I contacted this company multiple times to investigate and cancel this loan so my credit score can go back to its original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  ( Original Creditor : 07 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

I made Several attempts to Experian, XXXX, XXXX remove the Bankruptcy off my credit report. it showing that I filed a XXXX XXXX  with i didn't. and XXXX XXXX  I ask them to verify the information and they haven't been able to. I need this to be remove from my credit report and it in violation of the Fair credit Reporting Act 1970.
Product: Credit card

I applied for an ASPIRE credit card in XXXX. I never received the the card and they sent me an email of a bill due. I called 4 times and worked through text to request to cancel the card I NEVER received or activated. They acknowledged that they still had the card in their possession. Ive asked them to please cancel this card multiple times. It has NEVER been received or activated. I am now receiving an additional bill that amounts to {$250.00}. 
I am afraid this will affect my credit. When you call the company you speak to someone in another country. I just want this card cancelled and not to affect my credit. Again I never received it and it has never been activated.
Product: Mortgage

My mortgage is held through U.S. bank. on XX/XX/19 I received my escrow analysis statement from the company. It was wildly inaccurate, overstating my taxes by over {$3000.00} per quarter. I contacted the bank that day and alerted them of the issue, they told me to fax in a copy of my taxes, which I did that day. I was told to give them 10 business days for an updated analysis, early XX/XX/XXXX comes they did not have it completed. A few days pass I called back, they give me an updated amount. This new amount is {$55.00} higher per month than my original payment. I requested an updated escrow analysis so I can see why my payment is going up over {$600.00} a year when my taxes are only increasing {$100.00}. Was told they'll have that done by XX/XX/XXXX. I call on the XX/XX/XXXX, ask for an update on the escrow analysis, they tell me they do not see any requests submitted. I then get told they do not create escrow analysis after the yearly analysis is completed. If the yearly analysis was wildly inaccurate, I feel I have a right to a new analysis to know why they are raising my payment. My call gets escalated to a manager, they tell me they'll submit another request. Another 10 days have past and there is no news on a new analysis and my payment is due in a week. It has been over a month with this issue and the bank can not provide a simple request.
Product: Mortgage

I have been requesting my escrow refund/overage that was supposed to be sent to me in XXXX. I have not received my escrow refund and have called for months to get assistance, but keep getting pushed around to different departments with no real resolution. Mortgage solutions owes me an escrow refund of over {$1600.00} by which the latest was the money would be sent via check XX/XX/XXXX. The accounting within my portal shows that the check still has not been cut due to the balance. I am requiring my money to be sent immediately to avoid legal action being taken against Mortgage Solutions.
Product: Bank account or service

I deposited {$150.00} into a sole owner checking account and then they removed it from my joint account with my XXXX son. Huntington Bank ( XXXX supervisor ) filed a complaint internally with in the branch. I had purchased a money order which was lost. It returned to me via U.S. mail. I took the money order to the branch and they stated to deposit the money order. They then charged me {$10.00} for a return check fee. They reversed the {$10.00} fee but my {$150.00} is still missing.
Product: Student loan

I was checking my credit when I noticed nine separate ( 90 ) day delinquent accounts from Navient, my student loan holder beginning in XX/XX/2017 and received no notifications whatsoever over the supposed 90 days of late payments. I have been enrolled in their Income Based Repayment Plan for nine years qualifying for a XXXX   balance payment annually. The process starts and continues once you file your income taxes and upload them on Navient 's website with your IDR application annually. My plans have consistently run from XXXX of one year to XXXX of the following year. There was no point in time when I had lapsed from a qualified " XXXX '' payment to being late, specifically in XX/XX/2017 when I had not yet filed my income taxes as I would normally in XXXX so that I could reapply before XXXX the following year. I have utilized the credit dispute services of XXXX and made numerous phone calls to Navient. There is no way for a loan holder to hold anyone accountable for what they do or say as not one person has an email that we can utilize as proof of document submission or conversations/instructions given by Navient agents. This has hurt my credit score, employment opportunities, and caused increases in my insurance premiums.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX XX/XX/2024 -- {$5000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The agents for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Furnisher of Information XXXX, XXXX, Transunion, have continued to misrepresent the records for the collection account for the principal XXXX XXXX. The account transactions are income, per the received 1099-C received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attached to this complaint. This was sent to furnisher of credit reporting, to correct ; however, the agency continues to evade the principal rights and force incorrect information adversely without requesting the consent of the principal. This has caused incorrect credit scores and credit application denials for consumer credit.
Product: Checking or savings account

Wells Fargo allowed about {$15000.00} and more in major damages millions of dollars worth of fraud on my account by a criminal scammer and fraud company coinbase.com. I have never done business with coinbase.com and I have never authorized any transactions to coinbase.com as that is impossible as they are a fake company. Wells Fargo conspired in their fraud by not immediately refunding me about {$15000.00} in deposits and causing millions in major financial damage from their fraud, all of them from coinbase.com. Wells Fargo showed a criminal and doubting persona not immediately refunding upon my XXXX and truthful request. Therefore they conspired in financial fraud, obviously again, XXXX, XXXX and Wells Fargo have all been found liable in lawsuits before for stuff exactly like this even under the same statutes of financial fraud, conspiracy, and grand theft. XXXX is advertised by banks as a dark figure in a hood hacking computers and accounts in a threatening and criminal manner. Obviously XXXX is criminal towards citizens.
Product: Student loan

I have attempted to fix my problems with my loan servicing provider and also contacting fed loan. My problem is that I have no answer on getting my loans transferred to fed loan for starting to be part of XXXX. I applied In XX/XX/2021 and it is 3 months later with no response.
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. 

XXXX XXXX XXXX  XXXX XXXX : # XXXX Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I contacted XXXX  XXXX to let them know was there anything I could do because due to XXXX my job hours were affected and the rep I talked to said they couldn't do anything but on their website, they have a customer assistance impacted by covid but couldn't remove my late payments. XXXX XXXX XXXX XXXX XXXX Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, I contacted XXXX  on XXXX to see if i could get my late payments remove and the rep said they will remove all late payments and make all current and paid, XXXX  XXXX : # XXXX  Date Account opened XX/XX/XXXX ; Late payment XX/XX/XXXX, i contacted XXXX and the rep said they will remove and also send an email and i never received the email to confirm and 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've reached out to XXXX  with three letters with no response at all.

I also sent letters to transunion, XXXX  and XXXX  asking for them to verify certain accounts with the following law below but no proof was sent by any collection agency or original creditor.

" You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Equifax : XXXX  N/A Equifax : XXXX, XXXX XXXX:XXXX, XXXX XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX  Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called ( In XXXX XXXX ) and wrote a letter of complaint last month about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted. 
All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account. 

Equifax Hard Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

The company Radius Global Solutions  contacted me regarding a debt I was not aware of. I advised the representative I need a validation of debt and wanted to debt the debt. The representative advised me I could not dispute the debt until after I received my validation of debt. I informed the representative this was not true and I had the right the dispute the debt as well as request a validation. The representative continue to argue with me and cut me off then eventually hung up the phone after asking for a manager. He advised me no manager was available and the call dropped. I called back to speak to manager XXXX XXXX, I asked him to listen the call since he seemed to not believe his representative told me false information. I asked him to listen to the call and call me back or I can call him back so we can resolve the situation. He told me it was none of my concern and refused to set a follow up to discuss the call. The manager told me he went ahead and put the account in dispute. I informed the manager if I didnt know my rights I wouldve thought the only way I can dispute the account is after I received my validation. He did not seem concerned about my situation. I asked him for information on upper management and Human Resources to submit a complaint, initially he refused but after pressing a while he eventually gave me a general number for the company. The representative also did not provide the mini-Miranda.
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 stated the accounts are accurate, without providing any evidence of a thorough investigation. I told XXXX that the XXXX XXXX XXXX added collections to my credit but XXXX XXXX XXXX is not the place of business I went to.I never received a bill from that company because they did not have my correct address or number although it was up to date with XXXX hospital were I went to. I was not aware of them or a bill until after they hit my credit report. That means I went to the XXXX hospital yet XXXX XXXX XXXX  added collections to my credit for fees from there doctor although I was not at their place of business. I did not agree to be charged by XXXX XXXX XXXX  I agreed to be charged by XXXX not a third party or doctor outside of XXXX which also doesnt make sense because XXXX never sent my account to collections to be sold to a third party either. I also informed XXXX that the original amount owed was lower than the amount due. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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, credit repair services, or other personal consumer reports

My mortgage balance keeps going up on my credit reports but my balance on my statement is {$25000.00} less. It shows {$260000.00} on credit report but {$240000.00} on my mortgage statement the {$240000.00} is the correct balance but they are not reporting that. It also shows Ive only made 1 payment in 4 years .Ive already sent my current mortgage statement to the credit bureaus but to no avail with anything being changed
Product: Credit reporting

Hello I try and keep track of the items that are on my credit especially my inquiries but yesterday I noticed that I have some inquiries that do not belong to me. I have n't lost any of my information I do n't think and I do n't believe someone has stolen my identity. Please send me information regarding these inquiries or have them removed as soon as possible because it is truly hurting my credit and I do n't have these accounts. 
TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I filed for Bankruptcy a little over 3 years ago. I was having medical issues and had accumulated a stack of medical bills and had gotten behind on my mortgage. I was following my bankruptcy payments and making payments until I got sick again I got behind on both my Bankruptcy payments and my Mortgage again but was able to catch back up. I had a habit of rounding my payments up and the extra money went into a partial payment ( unapplied ) account. I incurred fees due to falling behind on my Mortgage and sent extra money to cover them, however this extra money kept getting put in the unapplied account and my statements still showed a small past due amount. 
when I received my XXXX statement I noticed that I had built up this amount quite a bit and calculated the difference for what I needed I submitted my payment with a note to combine my payment with the unapplied amount and bring my account current. The Mortgage company put it all in the unapplied funds account instead. My XXXX statement showed {$910.00} past due and {$910.00} in my unapplied account. more than enough to cover the payment. I made my regular payment and again asked the Mortgage company to apply the unapplied monies to my account. Each statement even includes a note that states " Once we receive funds equal to a full monthly payment we will apply those funds to your mortgage. '' They continued to ignore my request to do this. My XXXX statement showed {$910.00} past due and now {$910.00} an increase of {$4.00} from my rounded up payment. 
In XXXX my statement showed that they started adding fees to my account and they took {$290.00} from my unapplied account to put towards these fees. including an outrages {$200.00} Late fee. My payment was never late only diverted into the unapplied account by the Mortgage company so no late fees should have be charged, they should have followed their own policy as stated on each statement and as requested by me and applied the amount to my account. The other fees are not even explained and on my XXXX statement another {$500.00} was added. 
They have misused the funds I have sent them. Ignored my requests and are now bombarding me with unreasonable fees. I also received a letter stating that they did not receive my XXXX payment even though it shows they did on my XXXX statement. It was processed on XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information through poor security practices which has put the majority of adults in this country at risk for credit fraud. Their handling of this breach and the lack of security preparations is disappointing. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Equifax should be held financially and legally responsible for every account and victim if any fraud occurs. The whole situation happened due to their poor security despite their knowledge that their information is critical to hundreds of millions of people. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.