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

On XX/XX/XXXX, I sent the attached letter to the courthouse asking if they report bankruptcies to the credit bureaus, and I received a letter stating " The U.S. Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. If this is the case, how do the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

According to 15 USC 1681 section 603 ( 3 ) ( E ), the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 U.S.C 1681. According to 15 U.S. C 1681 section 602 A states I have the right to privacy.

In addition, according to 15 U.S.C 1681 Section 604A, Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USCs-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please refer to the two bankruptcies cases below, XXXX XXXX Case # XXXX Filed on XX/XX/XXXX XXXX XXXX  Case # XXXX Filed on XX/XX/XXXX
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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CRPBs 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 that Ive marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed somethings are incomplete and not accurate and according to the fair reporting act whenever consumer reporting agency prepares a consumer reporting it shall follow reasonable procedures to assure maxima possible accuracy of the information concerning the individual about whom the report relates this account XXXX XXXX account number XXXX is not accurate XXXX XXXX XXXX account number XXXX account not accurate. XXXX XXXX Account number XXXX is not XXXX XXXX XXXX XXXX XXXX XXXXXXXX not accurate.XXXX XXXX XXXX account XXXX. XXXXXXXX XXXX XXXX account XXXX not accurate.XXXX XXXX XXXX  Account number XXXX not accurate, inquiry XXXX XXXX XXXX XXXX Inquiry XXXX XXXX in a XXXX XXXX Inquiry informative XXXX XXXX inquiry not accurate reporting identity theft report has been sent to Equifax XXXX XXXX XXXX XXXX
Product: Credit card

I recieved a billing statement by email from the bank on a credit card that I never applied for. After calling and talking to the bank, it looks like I have been a victim of fraud. Someone stole my identity and were able to open a credit card on my name successfully. I informed the bank and credit reporting company XXXX immediately. I was also recommended to file a conplain to you online.
Product: Debt collection

Upon reviewing my recent credit report, I identified multiple fraudulent accounts that were added without my authorization.
Product: Student loan

I went to the XXXX XXXX and because I got an XXXX degree and is not a XXXX degree from an accredited XXXX year college I ca n't find a bank to refinance my private student loans. I have XXXX private loans which range from XXXX, XXXX, and XXXX interest rate. It has been XXXX years since I graduated and because of financial hardship a few years back, most of the loan principle balances are more than I originally borrowed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX This is my last and final attempt to get hard inquiries removed from my Equifax consumer report. I sent Equifax documentation due to unauthorized inquiries on my report. XXXX XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. These fraudulent Inquries are from the year XXXX to the year XXXX which I have already previously disputed with CFPB previously My complaint number was XXXX XXXX. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Even though I requested Equifax to provide the physical verification the have not done so In Fact the replied to my complaint saying that Inquries are factual, when indeed the Inquries mentioned are fraudulent .I sent an ftc report, Id and my ssn # and the proper documents to remove the items from my report but they are still on there. Equifax is being negligent in my request and now I am seeking { {$1000.00} } for the negligence of them ignoring my letters that they received. i have my proof that Equifax received the letter and they are supposed to remove the hard inquiries within 4 days upon receipt it has been well past 4 days and the hard inquiries are still on my report therefore I am demanding to be compensated for the inconvenience and will seek litigation/arbitration if need be.
Product: Money transfer, virtual currency, or money service

Please see closed CFPB complaint XXXX-XXXX  wherein Chase has patently lied to the CFPB claiming that they have responded to me. They 100 % have not. What they have done is have someone call me twice *presumably* regarding this complaint. Why do I say presumably? Because the caller refuses to tell me that they're calling about this complaint. 

In point of fact, in both cases, the caller refused to discuss the problem *at all* with me claiming that they " can't validate me. '' In further evidence that the problem is not resolved, my business banker, XXXX XXXX ( XXXX ), is supposedly on a phone call tomorrow with a VP in the Chase Fraud department to again attempt to resolve this. My understanding is that Chase Fraud 's position to my banker is that they are still " awaiting return of funds from the vendor. '' I'd point out that it's no surprise they're waiting as last I knew, " the vendor '' was in jail on both XXXX 's warrant related to this fraud and the separate {$800000.00} warrant from his prior employer. 

I'd further point out that Chase had the money twice and chose to return it to " the vendor '' despite having foreknowledge that there was a pending criminal complaint for the issue at hand.
Product: Debt collection

Never received a bill from these people. Recently applied for a credit card and was denied due to past due payments. Pulled a copy of my report. This charge is dated XX/XX/2016. I have no medical bills from that time. Have written a letter to creditor requesting information. This debt is not mine.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ADDRESS IS REPORTING INNCORECTLY ON MY CREDIT AND MUST BE REMOVED IMMEDIATLEY PER THE FCRA YOU ARE REQUIRED TO REPORT ONLY ACCURATE AND VERIFIABLE INFORMATION PLEASE REMOVE THESE ADDRESSES AND ACCOUNTS AND INQUIRES : 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 AND THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECT AND MUST BE IMMEDIATLEY REMOVED IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ITEMS NEEDS TO BE REMOVED IMMEDIATLEY AS THEY ARE NOT SUPPOSE TO BE ON MY CREDIT AND I DID NOT AUTHORIZE AND THE FOLLOWING HARD INQURIES I DID NOT AUTHORIZE SHOULD ALSO BE REMOVED ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from Lobel Financial account # XXXX. The company began reporting on my credit file to a three creditors, on XX/XX/XXXX. My last payment on this vehicle to Lobel Financial was on XX/XX/XXXX. I disputed on XXXX, the payment history and request for corrections to be made. Instead of correction like requested, account was removed from my credit file with all three credit reporting agencies. I contacted the company Legal department many times by email, phone and fax. And I was told, the company would replace the information to my credit file. But, it's still hasn't showing up on any of my credit reports. I believe the company can careless about correcting the information on my credit file and replacing it, due to the vehicle already purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 XXXX has my birthdate listed incorrectly. 
As of XX/XX/2023 XXXX, Equifax, and XXXX are all showing different total accounts open, different status of certian accounts and misleading numbers on the total balances across the board. 
As of XX/XX/2023 XXXX, Equifax, and XXXX all are displaying discrepancies in payment dates, status of accounts, and opening dates, As of XX/XX/2023 XXXX, Equifax, and XXXX all are showing my Student loans from XXXX on my credit report which is against the privacy act, all the loans are up to date and I have the right to privacy of the status, due to the deferrment act passed by the president,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # XXXX XXXXXXXX XXXX XXXXXXXX ACCT XXXX XXXX These accounts have violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 writing to file a formal complaint against Nelnet/Department of Education for their inaction to validate information being reported to the credit bureaus. 

My credit report that I had recently obtained show a series of late payments which were incorrect. 
XX/XX/2020 : via certified letter, I requested a FULL complete 24-month payment history of all accounts associated with my social security number. As within my rights, I requested the full double entry bookkeeping accounting ledger which would prove my payment history. 
XX/XX/2020 : The letter request was received by the Nelnet/U.S. Department of Education in XXXX, NE. 
XX/XX/2020 : A standard form letter was generated from Nelnet with incorrect Account Number which did not address my request at all. 

Simple math tells me that an investigation was not completed as the standard letter that was sent in response was generated within a week. I am at a loss as to how payments can be reported incorrectly to the credit bureaus against me if the data provider does not validate whether my account was actually late. Doesnt the Fair Credit Reporting Act prevent this? I am seeking your  intervention with this matter. 

Thank you for your assistance. 

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

I sent Transunion a removal letter to remove XXXX XXXX from my credit report dated XX/XX/XXXX After receiving letter from XXXX that they are closing the account & removing item from Credit Bureaus. 
The item is still being reported even after proof was sent to Transunion.
Product: Mortgage

We have been working, in good faith, with Nationstar/XXXX to sell our home as a short sale. It has major foundation damage. 
We have produced at least XXXX offers over the past several months. Nationstar/XXXX would not allow the property to sell for market value. 
During this phase of marketing, no one knew the full extent of the foundation damage. 
We had one offer for $ XXXX when Nationstar/XXXX would not reduce their price below $ XXXX. We had another offer for $ XXXX when Nationstar/XXXX would not reduce their price below $ XXXX There were multiple offers that led to those XXXX accepted offers. During those offers Nationstar/XXXX forced potential Buyers to obtain appraisals, and estimates for the repairs. The Buyer 's spent their funds obtaining the reports and Nationstar/XXXX. The appraisal came in at $ XXXX, as is. 
Eventually, a year later, Nationstar/XXXX acquiesced to suggestions to reduce the price. We received more offers. We had more multiple offers that led to an acceptable offer of $ XXXX. Nationstar/XXXX would only consider lowering their $ XXXX demand if the Buyer obtained another appraisal and an engineering report for the foundation damage. The appraisal came back at $ XXXX IF and AFTER the repairs were completed ( The appraiser said he had no way of estimating the repair due to its severity ) The appraiser also classified the property as uninhabitable. 
Estimates were obtained that ranged from $ XXXX to $ XXXX to bring the property back to an inhabitable status. 
In XX/XX/XXXX, Nationstar illegally filed a Notice of Default. As I understand the law the NOD must be accompanied by an affidavit. In this case, the affidavit stated Nationstar tried, and was not able to contact us. This is obviously a mistake or a fabrication. We have been in constant contact facilitating multiple short sale offers, constant request for updated bank accounts etc., plus we have numerous phone calls logged between us. 
In addition, the affidavit was signed and dated XX/XX/XXXX, the notice of default was dated and recorded XX/XX/XXXX. On top of being false, the affidavit is untimely. Recently Nationstar filed the NOD stating our home will be auctioned on XXXX/XXXX/XXXX. 
This must be dual tracking. 
We have been negotiating more contracts over the past 2 weeks and Nationstar knows it. We have come to terms with one Buyer and have another in backup, for $ XXXX. 
Our Real estate agent claims Auction.com hijacked our XXXX XXXX Ads. They are offering our home for $ XXXX. 
In conclusion, the NOD/NTS should be rescinded or at the very least, the sale date should be postponed. Nationstar/XXXX should allow the sale to go through at the current $ XXXX all cash offer that 's on the table as we speak.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. On XX/XX/XXXX or XXXX 2023 my previous landlord XXXX XXXX sent a partial refund on my deposit in the amount of XXXX and some change. My landlord sent money via XXXX to my phone number XXXX. I got a text message to that number saying that the funds will be available to my Navy Federal Credit Union checking account. However I do not have a XXXX account nor a NFCU account. My wife has a XXXX account through Navy Federal Credit Union. I tried to set up an account through XXXX but each customer service associate that I have spoken to has directed me to NFCU saying that my phone number is associated with a NFCU account. My money is now in limbo. XXXX refuses to help me and NFCU is also not able to do anything to help. I have my money somewhere in the system and no one is able to help me. I find it disheartening that XXXX nor NFCU is able to assist or even understand my situation. They both keep blaming each other. I have never had a XXXX account, I just recently began trying to use XXXX. And I have never had a bank account or a NFCU account. The only thing I need to happen is for my phone number XXXX to be deleted completely from XXXX and NFCU.
Product: Credit card or prepaid card

I tried several times to call them, write them letters stating that account was open without my knowlegde provided policy report and followed identity theft recovery steps. 
They reported me to collection department.
Product: Student loan

Navient is reporting that my account has missed nine payments. This is a federal government loan that was a part of Sallie Mae. Navient is not honoring the federal extension for 0 % interest and suspension on payment. I filed for a Income Driven Repayment Plan being that I am in the poor status since acquiring this debt.
Product: Mortgage

1 ) I was told by your representative that I could make late payments and it wouldn't affect me negatively because of the forbearance. That was incorrect and I listened to her advice. There was a miscommunication. At any rate, I paid all the past due funds back. The account is current. I even got off the new covid forbearance to make amends and clean everything up. As a courtesy, can you remove the late payment due to the representative 's miscommunication and never having a late payment with you all prior to that miseducation?

In addition, I think I saw on my credit report two late payments. Please confirm that was never the case and remove that as well.

2 ) Also if there was a late payment for XXXX. I will be really upset. Again the rep on the phone told me what I needed to pay to make the account current by XX/XX/XXXX although I was still on forbearance and could had prolonged it, I didn't and I did make the payment she told me.. Based on your websit after the payment, it said it wasn't enough so I made the additional payment after the due date and after you all processed the payment and updated your website. At the previous time your website said that was all that needed to be paid like your rep said. 

So I would like to request both late payments removed please since there was miscommunication by your reps on both times and at any rate I caught up on the payments to clear the air. 

And lastly, My loan specialist throughout all this, XXXX XXXX, repeatedly did not return my phone calls or answer them for assistance and clarification about the payments. It has been a poor customer service experience for a long time now. 


3 ) Additional proof, I received a statement for escrow dated XX/XX/XXXX20 telling me I need to make a payment of an escrow shortage by XXXX/XXXX20 or my monthly payment is going up. Excuse me? I never even had a chance to pay this statements escrow shortage and incorrect date processing. This is another example of poor miscommunication from Mr. Cooper that affects my understanding of payments and my ability to pay before due dates. 

I want to pay the shortage amount to leave the bill at {$970.00}, not the new {$980.00}. And I want the late payments removed. 

4 ) In addition, I was on forbearance but got kicked off after following your employee 's instructions. I was told late I would be sent an appeal letter to dispute being kicked off, but it never came ... until now. I received the letter on XX/XX/XXXX for review and it is even postmarked XX/XX/XXXX by USPS. But the letter is dated XX/XX/XXXX and it said I had 14 days from the letter 's date. Which means I never had a chance to appeal. And this letter was likely postdated and sent late. but not corrected as such. Another example of poor communication. I would like my late payments removed from my credit report please to put all this behind us.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 my credit was pulled by XXXX XXXX XXXX. It was not authorized by me. I have a mortgage and I believe my information has been stolen and they maybe trying to steal my house. I already have a mortgage and haven't applied for a new one nor a refinance through any mortgage company.
Product: Money transfer, virtual currency, or money service

I reported the problem to Money gram agent. would not give me his name. 
was told will email the complaint via email. I made the complaint on XXXX. 
As of yet money gram has not communicated with me at all. 
I felt ignored. Hold them responsible for not taking fast action. Part of me hold them responsible for my loss by not taking action in timely manner.
Product: Credit reporting

I have been receiving letters from my current credit card companies stating that they were closing my accounts due to information on my Equifax credit report. XXXX just closed my accounts last week. I noticed last year that there were issues with how Equifax was reporting. All of a sudden accounts that were previously disputed & deleted reappeared and none of my current accounts listed any balances or account history. All of my new accounts were not even listed anymore. I disputed multiple times but Equifax has done nothing to correct my report. I have attached a copy of my CORRECT credit report dated XX/XX/2016 and a copy of how it is currently reporting dated XX/XX/XXXX. The XX/XX/XXXX report is SEVERELY incorrect. I have also attached proof of deletions including bogus pubic records that were deleted. 
I have also filed complaints with the BBB and the Texas Attorney General. I am suffering severe financial damages due to the mishandling of my credit information by Equifax. I have disputed so many times without any correction to my report. I am trying really hard to handle this situation outside of a courtroom. I just do n't know if I have any other option at this point than to hire an attorney if the CFPB, BBB & TX Attorney General can not help me.
Product: Debt collection

I filed a complaint with you against XXXX & XXXX and sent documentation of the paid debt to you. They were still allowed to take money out of my bank account and place holds on my motor vehicle registration until I paid the amount they listed. After seeing your action dated today I am wondering if I will receive any of the money taken from me. I also have an additional complaint ( # XXXX, Merchandise Credit Guide ) with you that I have not received any response from. I am concerned that the penalties received are not being given to the people wrongfully strong armed into paying and not receiving the money back. Please reply.