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

Honestly I think this a problem caused by both the credit reporting bureaus and XXXX XXXX  the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found XXXX XXXX XXXX  mistakenly reported my mortgage, which they serviced from XX/XX/XXXXto roughly XX/XX/XXXXas delinquent XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I reached out to XXXX XXXX  XX/XX/XXXXwith more than 15 pages of documentation..SEE ATTACHED XXXX Letter Dated XX/XX/XXXXhere, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XX/XX/XXXX) I contacted credit reporting bureaus immediately - Transunion, XXXX  XXXX. I was told that even though I had a letter from XXXX that no correction or update on this could be made unless and until received DIRECTLY from XXXX XXXX. I wen back to XXXX XXXX  many many times, by phone, fax and email. I learned eventually XXXX submits to the credit bureau. Eventually I was told XXXX had submitted tot he credit reporting bureaus XX/XX/XXXX, then changed to XX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from XXXX and XXXX keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to XXXX saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the XXXX letter directly to the credit bureaus. Then was told If they hear nothing from XXXX in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with XXXX XXXX
Product: Mortgage

XX/XX/XXXX I received a letter from XXXX County informing that my property taxes were overdue. I contacted Freedom immediately to inform them of this situation and then emailed a copy of the original bill and overdue bill with interest. Since this was a Saturday, I followed up with Freedom during the work week to ensure information was received. I was informed that your tax department has 30 days to take care of this matter completion date of XX/XX/XXXX. 

XX/XX/XXXX I received a letter from XXXX County informing me of a collection notice. I contacted Freedom and informed by ID : XXXX legal action would be taken on Freedom Mortgage, not myself. I was reassured Freedom was the responsible party and the county would not take action against me and that payment would be submitted by XX/XX/XXXX. 

XX/XX/XXXX I contacted the XXXX County who informed me civil action has been taken against me and they have contacted my employer to garnish my wages. I spent over 2 hours on the phone with Freedom Mortgage attempting to get this resolved ( throughout the course of 4 phone calls ). I also had to take the morning off to go to the county tax office. I informed Freedom at XXXX eastern the severity of the situation and that I was now being financially punished for their failure to pay my property tax bill. I was assured it would be handled and paid by XXXX eastern. At XXXX I followed up still no payment. I was escalated ( above general supervisors ) to ID : XXXX and told she would be escalating to her supervisor and I would receive a callback at XXXX on XX/XX/XXXX. 

XX/XX/XXXX I reached out to Freedom at XXXX after not receiving a call-back and payment has yet to be handled. I am yet again being escalated above the supervisor level and awaiting a callback from supervisor of ID : XXXX, no known ID but her name is XXXX.
Product: Debt collection

Capitol One is constantly sending a debt to my credit report from decades ago for XXXX plus dollars about a credit card debt they say I had but never had. It results on my report update XXXX XXXX. I never had a Capitol One Card in my entire life only Visa.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 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, Equifax '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate, XXXX {$1600.00} XXXX XXXX {$200.00}
Product: Credit reporting

I 'm unable to file a dispute online, if keeps saying unable to process. There is a fraud alert that does n't need to be on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent reports to XXXX, Transunion and XXXX. I havent received an update on my report in regards to my bankruptcy being reported incorrectly on my report. I have sent proof that XXXX has removed this report ( XX/XX/2022 ). 
I didnt give consent to report on my report. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

Credit Acceptance was listed in a discharged bankruptcy and it continues to report negatively to my XXXX  XXXX and XXXX account. 

I contacted the business on XX/XX/scrub> 2025 and they reported negatively on XX/XX/year>2025.
Product: Credit reporting or other personal consumer reports

I have called and disputed online the incorrect addresses that continue to show up on my credit report. I have reported these inaccuracies with no resolution. Under FCRA 15 USC 1681 as a federally protected consumer I have a right to fair and accurate information. The following addresses need to be removed from my report as they are non mailable. Additionally as a victim of identity theft more than once and the data hacks that have occurred at all of the credit agencies it is imperative that the only thing listed in my credit file be current information. I know that the credit agencies obtain information from their affiliates and other 3rd parties like themselves but it is my right to say what can and can not be listed on my consumer report. The following addresses need to be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX again these addresses are non mailable and I have a right to fair and accurate information. Additionally the only name that should be listed in/on my credit file is XXXX XXXX XXXX Any other variation is not permitted nor authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My closed XXXX XXXX account was closed and went to collections in XXXX. XXXX originally sent it to one debt collector and it was sold to another debt collector about a year later to Jefferson Capital System. Jefferson Capital keeps updating it so it stays on my credit report. This debt is way about 10 years old. I have disputed this multiple times, yet it won't come off my credit. According to the FCRA " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old '' My credit report says that it was only opened 2 years ago, but it was about 10 years ago.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im currently waiting on a XXXX from them and they still have not replied. I reported these accounts to be fraudulent identity death and they still have not took this off my credit. 

Above I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 
Experian was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
Inaccurate or false information on consumer reports can threaten consumers ' which is your company! 

Thes hard inquiries were taken off of equitable and XXXX  but yet their still on Experian.
Product: Mortgage

I RECENTLY IN XX/XX/XXXX STARTED THE PROCESS OF PURCHASING A HOME. I WAS APPROVED AND EVERYTHING WAS MOVING ALONG. I HAD MONEY IN ESCROW AND DUE TO A BANKRUPTCY CHAP XXXX FILED IN XX/XX/XXXX AND PAID FOR ALMOST 5 YEARS. IN XX/XX/XXXX ROLLED THE CHAP XXXX INTO A CHAP XXXX AND HAD TO FORFEIT MY HOME. THE CASE WAS DISCHARGED IN XX/XX/XXXX. I WALKED AWAY FROM MY HOME AND BANKRUPTCY WAS DISCHARGED AND OVER ... FORWARD TO XX/XX/XXXX I HAVE AN FHA LOAN DUE TO TH B.K ON MY CREDIT AND IT HASNT BEEN 4 YEARS SINCE DISCHARGE. ALL WAS GOOD EARLY WITHDRAWL OF XXXX FUND FOR DN PYMNT. PENALIZED AND TAXED XXXX DOLLARS FOR DOING SO. 5 DAYS BEFORE CLOSING IM TOLD THAT A FORCLOSURE FROM NATIONSTAR FROM MY PRIOR HOUSE WAS NOT ON MY CREDIT BUT ON A DEEP RECORDS SEARCH AND I WOULD NOT BE ABLE TO CONTINUE MY CLOSING OF HOUSE WITH 5 DAYS LEFT. FIRST OF ALL NATIONSTAR FROM MY PRIOR HOUSE WAS FILED CHAP XXXX ON AND DISCHARGED IN XX/XX/XXXX AND THEN IN XX/XX/XXXX THEY PUT IN A DEEP RECORDS SEARCH THAT THEY FORCLOSED ON ME. HOW CAN THEY FORCLOSE AND DESTROY MY CREDIBILITY WHEN THEY WERE BANKRUPT ON AND DISCHARGED?? NATION STAR WRONGLEY PLACED A FORCLOSURE ON ME WHEN IT WAS WELL OVER A YEAR THAT I WAS DISCHARGED FROM BANKRUPTCY. THEY COST ME XXXX IN TAXES AND PENALTIES FOR AN EARLY XXXX WITHDRAWL ,XXXX DOLLARS IN APPRAISELS FOR THE HOUSE I WAS PURCHASING AND I CAN NOT DONATE TO MY XXXX FOR 6 MOS OR PUT THE MONEY BACK IN THE ACCOUNT. NATION STAR DID ME WRONG IN A VERY BAD WAY. THEY HAVE A HORRIBLE TRACK RECORD AND COMPLAINTS THAT DONT STOP. WHAT I AM REQUESTING IS THAT THIS FORCLOSURE THEY PLACED NOT ON MY CREDIT BUT ON MY RECORDS BE REMOVED IMMEDIATLEY SO I CAN PURCHASE MY HOUSE FOR MY FAMILY. EVERY REALATOR INVOLVED AS WELL AS MORTGAGE COMAPNIES AGREED I WAS DONE WRONG AND IT SHOULD NOT HAVE HAPPENED. THEY SAID THAT NATIONSTAR LET THE PROPERTY SIT FOR OVER A YEAR WITH MY NAME STILL ON TITLE UNTIL THE MARKET INCREASED AND SOLD THE PROPERTY FOR A NICE PROFIT AND DAMGED MY CHARACTER IN THE PROCESS. I HAVE BEEN DEALING WITH A BANKRUPTCY ON MY CREDIT SINCE XX/XX/XXXX BUT IN NO WAY WAS EVER SERVED OR ANYTHING ABOUT A FORCLOSURE DUE TO I BANKRUPTED ON THEM CAN YOU PLEASE HELP ME TO RID OF THIS WRONGLEY PLACED FORCLOSURE ON MY DEEP RECORDS SO I CAN CONTINUE MY SEARCH FOR A HOME?? THANK YOU XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor 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 items connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I called the collections agency and asked if they can remove collections amount and stop marking my credit report as a missed payment because i already paid with original creditor and they are a thirdparty trying to collect the debt and my contract or insurance policy was not with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and proof of current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my account with all three credit bureaus a few years ago. I got confirmation and 10 digit pin numbers that I was told would be needed to unfreeze. Last week I needed to unfreeze and went to the respective websites. Only the XXXX site directs you to where you need to be to unfreeze. Neither Experian nor XXXX website indicated anywhere how to unfreeze. I XXXX how to un freeze and discovered that you have to go to " XXXX '' or " experian.com/freeze '' to be able to unfreeze. It should not be this hard to find the appropriate place to unfreeze or for that matter to freeze. BTW, none of the bureaus requested the 10 digit pin number that a had previously been sent to me.
Product: Checking or savings account

I mobile deposited a check from the XXXX XXXX XXXXXXXX into my business account XXXX XXXX XXXX for XXXX on XX/XX/XXXX at XXXX I received an email that it was approved and processed on XX/XX/XXXX at XXXX and that the funds should be available in 2 days, I went inside the branch at XXXX XXXX XXXX XXXX XX/XX/XXXX looking for a particular employee XXXX to speak to her about moving my XXXX XXXX business over to BMO she wasnt there I left got in my car, seen that I needed gas so I went through the drive up window filled out a withdrawal slip for {$50.00} a representative at the window advised me that my check had just been placed on a 7 day hold, contacted BMO Resolution Team ( supervisor ) spoke to a supervisor by the name of XXXX she was able to call the branch and speak with XXXX XXXX the branch manager at XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX then advised XXXX that she put the 7 day hold on the check because I walked inside the branch and walked back out and went through the drive up window to withdraw money, So XXXX explained to XXXX that the check was just on a standard 2 day hold and that she didnt see the reason it was put on a 7 day hold, XXXX advised XXXX that if she wanted to she could release the hold. So XXXX released the hold, {$500.00} was available right then the other {$4700.00} was suppose to be available XX/XX/XXXX, I went to the branch at XXXX XXXX XXXX XXXX the same day XX/XX/XXXX and withdrew {$300.00}. On XX/XX/XXXX I checked my online account and the {$4700.00} wasnt available my actual balance was - {$300.00}. So I Called BMO again they advised me the check was sent to Fraud and the account is frozen and was did so by the branch manager XXXX XXXX. Fraud then advised me that the check wasnt in my name and I had to have the owner of the check sign a Affadavit of endorsement ( which was my mom ) and have it notarized so the owner and I walked in the branch not even 30 minutes after the Resolution Team advised me of this the Resolution Team also advised that once they received the affidavit of endorsement they could release the freeze off of my account within the hour, Once we signed the form the branch manager XXXX XXXX had to notarize the form. So when I called BMO Fraud department to advise them that the bank rep XXXX had sent in all documents and information they advised us that it will take an additional 14 days for the check to process and clear. Fraud does not have any notes on my account all of the notes are from the branch manager XXXX XXXX at XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I reported and disputed a charge for a room I received that was not as advertised. I paid for a smoke free room. The room was not as described. However, throughout the days I stayed at the hotel there was the smell of some fume that I am sure was the smoke of XXXX. The smell was also outside of the room where I stayed meaning someone in another room had to be smoking or else it was coming from the air conditioning system. I reported to the front desk personnel who stated there was nothing they could do. The room XXXX did not have adequate air conditioning and also had a window air unit that had to be used to keep the room cool. Paypal decided in the sellers favor whom has no evidence as PayPal allegs I did not have yet made the decision in the sellers favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is there any reason why I still have not been contacted by Chime about my direct deposit sitting in an active credit builder account that I canceled o er a year ago... is one of the many emails I sent to Chime concerning misappropriation of fund. After getting off the phone a customer service rep transfered another customer from North Carolina to my phone number as if I was a Chime agent. After having to call numerous times and getting the run around about why I have a credit builder account on my end showing {$0.00} available but their saying they see my direct deposit balance on their end. This unprofessional behavior had caused me mental duress
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a senior citizen trying to purchase a home. I have been pre approved for my mortgage pending a release of my credit report from Experian.. All other reports have been done. I am unable to contact Experian in person. I have also sent them a letter as they requested in their website but with no response. There is no way to speak to anyone there to get this resolved! When I spoke with my mortgage broker he told me he has been told by his credit bureau that this a common complaint with Experian. I was also told by a XXXX representative the same thing! This problem has been going on since XX/XX/XXXX and I have already lost out on the purchase of a home that would have met my needs completely!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with experian and XXXX XXXX a few times for some reason they have 7 XXXX XXXX has one my addresses i never lived there. They both said would be removed from my credit report countless times but neither has done so. I do not live there. I do not get mail there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for credit in XXXX of XXXX  and was denied. I checked my report and saw 2 accounts that i have not done any business with. I have a card with XXXX OF XXXX For the amount of XXXX, i also have a account with XXXX  XXXX on my profile for the amount of XXXX. I have not done business with either company and These XXXX companies needs to be deleted off of my credit. THIS IS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3700.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) XXXX Balance : {$86.00}
Product: Credit card

Review the attached documents. I request an investigation into accounts that are erroneously reported as late, despite my consistent on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the public record information listed inaccurately on my credit report since XX/XX/2019. I first asked Equifax for a method of verification pertaining to the public records listed on my credit report and they responded by saying the USBK Court XXXX Mississippi XXXX XXXX XXXX, XXXX, MS XXXX verified the bankruptcy and if I had any questions pertaining to that inaccuracy to contact the court. So I did just that. I contacted the court and received a letter dated XX/XX/2019 and I've included that letter to this complaint stating that they did not report, confirm or validate any bankruptcy information to the credit bureaus. I then made a copy of that letter and sent it to Equifax and asked them to delete the public records from my credit reports because I had proof they DID NOT PROPERLY VERIFY AND THEY LIED ABOUT WHO VERIFIED THE REPORT. They didn't validate through any third party consumer, such as XXXX XXXX because that report is placed under a security freeze and NO ONE has  contacted me seeking my approval for any information placed on my consumer file to revealed. Equifax has failed its consumer YET AGAIN. Not only am I victim of their data breach they are continuously reporting UNVALIDATED, INACCURATE information on my credit report. Please DELETE the information from my credit reports immediately and send me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX