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

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Wells Fargo uses XXXX ( XXXX Account Updater ) and will not allow me to opt out. They shared my new information with XXXX and XXXX gave my new card number without my authorization to the merchant.
Product: Credit card or prepaid card

In XX/XX/2018 I submitted a dispute for charges I was wrongfully charged. The results of the investigation were unsatisfactory. I then submitted a second time along with a handwritten letter explaining in detail what happened as well as my information to contact me back if there was anything else needed to complete this dispute. I sent this information a total of 3 times over the period of a couple of months with no reasonable explanation of my situation. So I then started sending messages to them explaining to review the information I have sent in multiple times already. The replies back from them were to resend everything again. Unfortunately I do not have copies of the details of my dispute but the claims department does. So I called one last time desperately seeking a resolution to this issue and the department that handles these dispute claims are not available to speak with nor would the credit card company contact them on my behalf. I finally canceled the credit card which I did not want to do because of the unsatisfactory customer service I received. I feel very disappointed that my credit card company would not help me out in a situation that I went above and beyond to get the matter resolved in a timely fashion with no satisfactory results. I was very loyal and only used this card as well as every payment I made was on time.
Product: Credit reporting or other personal consumer reports

Disputed this account several times, also sent in a police report, identity theft report and letters from the creditor stated this account was a result of fraud. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which was sold to XXXX XXXX XXXX which was deleted XX/XX/2023 they sold this debt but still the account XXXX XXXX  XXXX is still reporting. 

Please see attached letters from creditors. 

Thank u
Product: Debt collection

Phoenix financial repeatedly calls me. Sometimes i answer and they hang up without saying anything. So i have to call back. I have to ask what business is calling me every time. They do not state why they are calling until i ask. They call me from different numbers at least 3 times a week. I block the number and they call again. I state every time to stop contacting me. I do not owe any debts in what they are referring to. Then they argue theyve never called me before. When i state to stop contacting me they argue with me. Ive also informed them every time they contact my cell phone i will report them for harrassment under the fdcpa for the repeated phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests to update the erroneous accounts. The 3 credit Bureaus are required to review these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX 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 am a victim of identity theft, I filed a police report back in XX/XX/2017. I sent each credit reporting agencies the documents to fix the issues of fraudulent accounts and inquiries. The reporting agency equifax has been giving me a hard time since XX/XX/XXXX of getting the information removed, I have sent them every document that was asked and still nothing has been done. I was told by them them that I can dispute the information a 100 times and it will still be the same result, I have been hung up on and spoken to very rudely, I have disputed the information more than 10 times. I would like to be treated like the victim and not the thief that stole my identity. This has went on long enough and has become a hassle in my life where I cant get anything due to what is being reported on my credit. I am just asking for the accounts and inquiries to be removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. I want to emphasize that this account is entirely fraudulent. Despite my previous attempts to have it removed, including providing all the necessary documentation and information, the account remains on my report. Please remove this fraudulent account from my credit report, it is hurting my ability to obtain credit. Thank you for your prompt attention to this issue. I look forward to receiving confirmation that the account has been remove
Product: Debt or credit management

On XX/XX/XXXX of XXXX I signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) to " pay for services provided by XXXX '' XXXX " smile journey '' journey was originally for XXXX months. Around the time of my last handful of " trays '', which was around late XXXX, they were not fitting properly and I went and got a re-scan of my teeth at the closest office to me which was XXXX hours away. When they came they were still not fitting which was around the time they were declaring bankruptcy. I was not able to get a hold of SDC nor the dentist they had assigned to my " smile journey '' The service I was paying for had stopped so I reported the info to my bank ( Chase ) and they proceeded to block any payments to XXXX XXXX XXXX. I never tried to get a full refund on what I had already paid. I had yet to hear anything from XXXX until a few years later when Tek Collect sent me to collections over this debt on a service I did not receive. My teeth and my overall bite, which are still not fixed, are in a worse position since starting that journey with SDC. Tek Collect should not be trying to collect money on a contract that was not fulfilled/seen through on the provider 's end.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan account with XXXX/XXXX  was opened on XXXX XXXX and the account became active for repayment on XX/XX/XXXX. 

The account is closed and was paid in full on XX/XX/XXXX. This bank has been inconsistent in their reporting of this account, particularly by reporting it in good standing only after I filed a dispute and even then, they only updated 1 of the 2 credit bureaus with the accurate information. There are several months over several years where the data for payment and other account information has been reported as 'Unknown ' or not at all. 

Further, the first date of delinquency on this account was XX/XX/XXXX which is over 7 years ago yet this bank has failed to remove this account from the credit bureaus. All three credit bureaus have stated to me that the accounts should be removed. I contacted this bank, both by phone and mail, requesting that they update my credit reports. Instead of removing the accounts, they cherry pick a payment date and confirm it, keeping the accounts on the credit file. I spoke with this bank today, XX/XX/XXXX, and they attempted to do the same thing. 

They have failed to take the appropriate and lawful action to correct my credit profile. I have suffered as a result of this negligence in higher interest rates and credit denial. As a statement of fact, I have 13 other accounts on my credit file, all with exceptional payment histories. XXXX/XXXX  is the only adverse account on my credit file. This bank has been so negligent in their reporting that they reported the status of my payment for XXXX and XX/XX/XXXX as OK but then reported the status of my account for XX/XX/XXXX as 90 days past due. How is it possible to be 90 days past due in a month where the previous two months were reported as OK/Paid? This is but one example of the gross negligence of XXXX/XXXX  regarding my account. 

This gross negligence and neglect to my account in the credit bureaus appears to have been intentional as I have made this known to this bank numerous times. I am requesting that this account be removed from all three credit bureaus immediately and not reported to them again, as it has been over 7 years since the first date of reported delinquency. My next step will be to take legal action. I am also reporting this matter to the State Attorney General 's office.
Product: Mortgage

Dear Sir / Madam, I would like to bring your attention to the situation created by my Loan servicing company, Ocwen Loan Servicing LLC . Last year there was a situation when Ocwen by mistake paid XXXX XXXX taxes of a property owned by me but held by another mortgage company. Without realizing their mistake, Ocwen modified my loan for the first few months of XXXX. When I realized their error, I tried to resolve the error and reduce my XXXX by calling their call centers. When nothing helped, I created a complaint in the CFPB website, numbered XXXX. 

Here is how Ocwen Loan Servicing responded to that complaint : CFPB Case Response from Ocwen ( Can be verified in the case details ) " Ocwen is still in review of the account. '' After careful review of my case, XXXX XXXX XXXX, on behalf of Ocwen Loan Servicing LLC, on XXXX XXXX, XXXX, wrote me a letter of appology ( attached as proof ). In that letter she agreed that, " On XXXX XXXX, XXXX, Ocwen disbursed {$3400.00} from your escrow account to pay property taxes due for your property located in XXXX XXXX. It has since been confirmed that the property address located in XXXX XXXX is your primary residence, and is serviced by another mortgage company. Therefore the funds disbursed by Ocwen for the property taxes for the residence in XXXX XXXX were sent in error. '' XXXX XXXX XXXX, XXXX XXXX, XXXX ) She also wrote that, " In addition, your request to remove the escrow account from your mortgage was granted on XXXX XXXX, XXXX. After XXXX XXXX, XXXX, you are responsible for the payment of the property taxes and homeowner 's insurance in the property mentioned above. '' XXXX XXXX XXXX, XXXX XXXX, XXXX ) When Ocwen itself acknowledged that it was their error, in XXXX, how the same company in XXXX is sending me notice that my loan XXXX is changed to {$1200.00} instead of {$570.00} to recover the money Ocwen agreed they paid in error. 

I have anther property at XXXX XXXX XXXX XXXX IL XXXX. If Ocwen continues their standard of loan servicing what is the guarantee that they will not pay the property taxes due for that property ( and not managed by Ocwen ) and ask reimbursement from me? I am under considerable financial stress due to Ocwen 's error and would like your kind attention to get relief from this kind of infringement of my financial rights ( paying taxes for my properties without my consent and then forcing me to pay back ). 

As proof, I have attached different sections of the letter sent to me by Ocwen on XXXX XXXX, XXXX to acknowledge their error, the proof that I paid the property taxes in XXXX, XXXX to XXXX XXXX where my property is, email and website confirmation of both installments of property taxes due this year. I marked special section of Ocwen 's letter for ease of comprehension. I also attached Ocwen 's statements, and all the proof that I also submitted for the last year CFPB case number : XXXX. 

Your sincerely, XXXX XXXX ( XXXXXXXXXXXX ) XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family
Product: Debt collection

please see documents and have the accounts deleted from my credit report in the next XXXX days. 

please delete from XXXX and XXXX immediately. 

transunion delete the following - upgrade- xxxx XXXX XXXX the following -XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Debt collection

This medical debt has been delete because they didnt provide me with the hipaa transcript and my hipaa rights was violated so this need to be deleted and Professional Credit Management is a debt buyer that bought this debt that has been deleted.
Product: Mortgage

I have been trying, for over 6 months to get a loan modification done with XXXX. They have a year and a half of ALL of my financial records and even when they have been sent a FULL package, continue to come back asking for either the same things over and over again, or when I complete the package and all their Final stipulations they start over asking for all new things after receiving everything. They start the process over, and over again each time. I have provided every possible document about my finances, and every time I finish what their multitude of items on their list are they then ask for more. At what point does this end? At what point can it ever stop? As they continue to start the process over and over I continue dipping into my retirement account just to pay my mortgage. There is absolutely no way they can not have a COMPLETE financial picture based on all of the documentation they have received. Every single item they have ever been asked for have been sent in and then, they just keep extending the time period. A year and a half of my financial records should be more than sufficient to complete this package. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX  XXXX XXXX XXXX # XXXX, This account is a duplicate please delete XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  1.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2.XXXX XXXX XXXX Account Number : XXXX 3.XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX 5.XXXX XXXX  Date of inquiry : XX/XX/XXXX 6XXXXXXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX 7.XXXX/XXXX  Date of inquiry : XX/XX/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
Product: Credit reporting or other personal consumer reports

Ive requested Method of Verification several times with no resolution. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. The name XXXX XXXX XXXX is incorrect. This is not me. The address is also incorrect. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX is incorrect. Transunion also blocked me from accessing my online account in order to prevent me from filing any more disputes. I have opted out and did not give permission permissible purposes. 

Previous CFPB Complaints : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax / XXXX 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, Equifax 's / TransUnion 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 Equifax XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # xxxxx 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX credit reporting will not remove accounts over 7yrs old. The account was included in my bankruptcy and the account is well over 7 yrs old. I have disputed with both credit companies but they say the information is accurate. This is not true cause anything over 7yrs old is supposed to drop off your credit.