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

I am filing a formal complaint against Equifax for the unauthorized access and potential disclosure of my personal financial and credit information. Recent reports suggest that Equifax, along with other financial institutions, may have improperly granted access to sensitive consumer data to unauthorized entities associated with XXXX XXXX and the Department of Government Efficiency ( DOGE ). If true, this represents a serious violation of consumer rights, privacy laws, and financial regulations, including the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. 

Details of the Complaint : Unauthorized Access & Data Disclosure : I believe my personal credit and financial data, as stored and managed by Equifax, was accessed or shared without my knowledge or consent. 
Potential Violations of Federal Laws : If Equifax shared my personal financial data with unauthorized partiesincluding those affiliated with XXXX XXXX and DOGEthis would constitute a breach of multiple consumer protection laws, including : FCRA ( which governs how credit bureaus handle consumer information ) GLBA ( which requires financial institutions to protect consumer privacy ) Privacy Act of 1974 ( if my information was improperly accessed by government-affiliated entities ) Failure to Protect Consumer Information : As a credit reporting agency, Equifax has a legal obligation to secure consumer data and prevent unauthorized access.
Product: Debt collection

The business is attempting to collect a debt by filing suit against me a insolvent consumer as per 15 USC 1601. I have reason to believe and do so believe that I am the consumer in fact as in relation to 15 USC 1692a ( 3 ) and that I allege I have been furnished deceptive forms of communication in relation to an alleged debt obligation ; Notice, it is a fact that, I have reason to believe and do so believe, I the consumer / origin of credit owe no debt. Notice, I allege that in the matter of account / case / CAUSE NO. XXXX this new condition for matter of presentment is in dispute for the validity of a debt or to discover if no debt exists. They are damaging me for trying to collect a debt as per 15 USC 1692 ( k ) and furnishing furnishing false and deceptive rules of communication pursuant of 15 USC 1692 ( k ) by claiming I owe a debt. Since no lawful money exist and as per public law 73-10 my ability to pay was taken away and I can not legally ( pay ) a debt with a debt note.
Product: Debt collection

Convergent Outsourcing Debt collections : XXXX was primary cell company ; switched cell company i.e. XXXX. XXXX kept the cell phones that were leased from XXXX. I was not informed and I do not have the devices. XXXX refused to release the cell phones to XXXX. I have spent many months trying to resolve with no such luck. 3rd party collection agency threatened to take unwarranted legal action. I feel threatened and without recourse. 

Debt ID : XXXX - Date of collection : XX/XX/2018 - amount {$1000.00}
Product: Credit reporting or other personal consumer reports

I tried to get my account cleaned up and they haven't responded as of yet. I sent to them the US code 1681 chapter 111, 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 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: Debt collection

I paid for something I never got and disputed it and contacted the carrier and the seller along with Affirm and I was forced to pay for it. I had other loans and was told it was going to lock me out of my account if I didn't pay that specific XXXX so I defaulted on all of them and was just waiting till it went to collections to pay off the ones for things I actually received yet Affirm doesn't do Good Will or Pay to Delete so my credits ruined. I have no issue paying off everything I actually got but they forced me to pay on something I didn't and made it sound like a a replacement was offered some senior type person and the seller never followed through and ignored me. If they would offer a good will after payment or pay to delete I will pay everything off except the XXXX item. This has ruined my credit and no matter what I do its on there for XXXX  years. I can't do anything with my credit even with secured credit cards. I've reached out to them over XXXX times now about this and nothing. They just give the copy paste email or phone number to respond to which I've already tried over XXXX times with no help.
Product: Debt collection

XXXX continues to furnish an account on my credit profile that was previously deleted. Its not mine. And according to the FCRA a consumer has a right to privacy and nothing shall be furnished without my written consent. Also 18 USC 8 says all debts are the obligation of the United STATES. I did not consent to, authorize, nor benefit from this account. 

1. Capital One XXXX
Product: Credit card

I pull my credit file and I saw this credit card company on my credit report that I did not apply for ELAN FINANCIAL SERVI Acct # XXXX. I reach out to this company about this credit card and ask them to provide me with proof and to verify this is my account. Also the company has not provide me with any proof and this is still on my credit report please help me with this matter..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$18000.00}.
Product: Credit card

The lying agent at Bank of America named XXXX XXXX falsely claimed that she will contact me back and she openly lied to CFPB that the cases have been resolved while they sent a correspondence to me saying the case is still ongoing
Product: Payday loan, title loan, or personal loan

Applied for an online loan through the website of the business, on or about XX/XX/2021. Immediately, provided the company with two years of tax returns as requested. On or about XX/XX/2021, was asked to provide a front/back picture of my drivers license along with a selfie, this was immediately provided. On or about XX/XX/2021, I received a couple of daily phone call messages from the business with a heavy accent that was hard to understand, advising me to call in. The business was already provided with everything requested. In fact, I applied at a competitor at the same time, and the loan was fully funded within 2 days of applying. 
On XX/XX/2021, the business sent via email an notice claiming your recent application through Avant has expired.

Upon receipt of this complaint, send me a statement of specific reasons why you were not able to offer a loan to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open collection account for {$38.00} on my Equifax file that was removed from XXXX and XXXX  a long time ago. The account shows as " Consumer disputes this account information ''. I have disputed this account twice with much difficulty. When attempting to submit a dispute with Equifax, I am asked a set of four questions regarding my credit file - many of the questions are based on accounts I never had, bank cards I've never had, and an auto loan that I've never had and never applied for. Only once ( out of several attempts ) was I asked questions that were based on correct information. One time, I even called Equifax to submit the dispute. It was extremely difficult to do so and I never received proper documentation after submitting the dispute. 

Recently ( approximately two weeks ago ) a duplicate of the same collection was added to my credit file and showed that I had not disputed the account. This morning I checked again and the duplicate was removed but the initial disputed account remained.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account # XXXX is not mine and they have not provided me proof that i started this along with XXXX XXXX XXXX  for a XXXX XXXX  account # XXXX, XXXX XXXX XXXX for XXXX account # XXXX
Product: Mortgage

I attempted to refinance my mortgage through my current mortgage company NewRez LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Before I applied for the refinance I disclosed to the loan officer : XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX That I had items in collection and would that impact my ability to borrow. I was told by this loan officer that it was " not a problem ", his language. 

I was denied the refinance loan and among the reasons stated was the following ( see atatchmnet ) : " Serious delinquency or public collection or records filed " I believe I was the victim of predatory lending as I paid approximately {$850.00} for an appraisal of my property even though Newrez LLC would have been aware I was not eligible to apply for the refinance based upon the collections activity but pursued the loan to make collect fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I contacted XXXX, TransUnion, And XXXX Regarding my viewing my credit report, and seeing some inaccurate and false info on my credit report. It has now been over 30 days, and have not received a response. This false information has severely crippled my ability to obtain credit, secure housing, or even apply for SBA Loans.
Product: Credit reporting or other personal consumer reports

I am submitting to address my ongoing concern, referencing my complaint dated XX/XX/XXXX. As previously communicated, it has come to my attention that Experian and XXXX have not taken the necessary steps to expunge the items I requested to be removed. I expect the remaining fraudulent entries, outlined in both this and the preceding complaint, to be expeditiously deleted within 15 days from today. To facilitate this process, I will be providing my FTC report with reference # XXXX for your review. It is my anticipation that you will act to remove these items from my reports before the stipulated timeframe concludes : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please consider this as my formal complaint to the EQUIFAX for allowing the unauthorized inquiries and for not taking corrections which are now damaging my credit reputation. I have my dispute letter dated XX/XX/2024, with the identity theft report number XXXXThey allowed the non-permissible inquiries to be reported in my credit file without proper notification. As I checked my credit report these inquiries are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not take a equipment charge off my credit report so my loan is on hold this problem started when I did not receive there return label and after returning the equipment on XX/XX/2019. Paid the full balance that included a early opt out fee. The equipment was returned on XX/XX/2019 and I was given a credit but it is still on my credit report as unpaid causing me to shut down my loan process and the investor that wanted to buy my house is looking at other property now because my loan is on hold and I have asked XXXX to update my account and this have not been done after I filed a depute on this case. Equipment is showing I owe {$390.00} instead of paid in full!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up two loans on XX/XX/XXXX for a total amount of {$2800.00} from the Department XXXX XXXX XXXX. I only attended one semester at XXXX University so no further loans were opened after XX/XX/XXXX. The XXXX XXXX XXXX never reached out to me nor my parents one time ... even though, they had all our information. One day I was curious and decided to randomly check my credit score and saw it was knocked down 155 points. I immediately called the XXXX XXXX XXXX to find out what had happened. It's XXXX and they never thought of reaching out via phone or email. Instead, they were only sending physical mail and on top of all that they had the wrong address. My intentions aren't to bash the XXXX  XXXX XXXX XXXX , I just believe it's not fair for them to send a 90-120 day past due notice to collections when I never received one phone call or email that this was occurring. I'm a young kid who prides himself on doing things right and especially with something like my credit score. I really hope you guys could resolve this problem for me ... it would be greatly appreciated. Thank You
Product: Credit reporting

XXXX merged my account with a woman who has almost the same name as me and she opened a auto loan that is showing up on my credit report.
Product: Checking or savings account

I was offered a remote job which was a scam I didnt know. They told they will provide training and equipments for the job. Then they said they will provide with two cheques amount of {$1900.00} which was told to deposit by the company. Then when the check was deposited it one of the check amount was paid to the people whol told me to pay to. The other amount was waiting to be deposited and when for deposited got. To know was a scam job and my check was returned and my amount from my current job as well was deducted from my bank as those check were reported as forgery.
Product: Student loan

I submitted an application for the XXXX last year and was initially approved at a reasonable amount, however when I logged in in XXXX in anticipation of repayment starting back up, I saw that MOHELA was now charging me around {$3000.00}. I called them, and they told me they would fix it on their end. It took XXXX months, and they finally made an adjustment, and are now showing I owe {$4000.00}. My spouse and I had an adjusted gross income of {$550000.00}. I have a family size of XXXX, and my spouse has {$310000.00} in federal student loan debt. Based on this information, my payments under XXXX are estimated to be {$1000.00}.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be completely removed : 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 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

Upon reviewing my credit report, I noticed multiple inaccuracies on a specific account across all three credit bureausXXXX Equifax, and XXXX. Specifically, the inaccuracies include : 1. Inaccurate account opening dates 2. Inaccurate reporting dates 3. Inaccurate balances 4. Inaccurate last payment dates Under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681, credit bureaus are legally required to maintain accurate, complete, and verifiable information on consumer reports. Each of these inaccuracies misrepresents my credit history and directly impacts my credit score, potentially leading to negative treatment by lenders and others reviewing my credit report. 
Additionally, the Privacy Act of XXXX  reinforces my right to correct inaccurate or incomplete records, as such discrepancies could result in unfair treatment and harm my financial standing. 
I have previously reached out to each bureau to dispute these errors but have not received any response. Given this lack of action, I am now filing a formal complaint with the CFPB to request immediate investigation and correction. These inaccuracies do not meet the legal standards for accuracy, verification, or privacy protection under federal law.
Product: Mortgage

I was in contact with the Department of Veteran Affairs and Caliber Home Loan,  and we were working on gathering and reviewing my documents for loss mitigation. During the process, my VA Loan Techician requested a postponement of the current sale date. Caliber did not deny the postponement, but they did continue to collect documentation for review. There were several technical delays with the email addresses and the contacts that they proviced. However, my VA tech was trying to assist by forwarding the information to Caliber as well. 



In the middle of collecting my documents, Caliber executed the Foreclosure sale without giving me a chance for review. I feel that they had no intent to review my package as they did not postpone as the VA requested for more time, and they executed the sale while I was under the impression that they were working with me to save my home.
Product: Debt collection

Portfolio Recovery Services continues to report an alleged debt that they can not validate, Nor does any of the alleged debt follow the Metro 2 format of reporting which is an instant violation furthermore I have disputed this alleged debt so many times I recently disputed them reinserting the item on my file without sending me a 5- day notice this company thinks it is above the law and standard being enforced I asked this company to provide me with the original contract Highlighting that their company is authorized to collect this alleged debt as a third party collection clause in case I default on the alleged debt with the Original creditor but I didn't receive it, I asked for the 1099-OID Original Issue discount I also didn't receive it all I recieve was a letter saying that I am no longer obligated to pay this alleged debt ... .. But does that give the right to report it without proper validation.
Product: Mortgage

Fay Servicing , LLC and their assignee 's XXXX XXXX XXXX XXXX ( trustee on loan XXXX ). Forced me into Bankruptcy on XXXX XXXX XXXX due to multiple loan modifications ( denials ). While in XXXX Bankruptcy proceedings, Fay Servicing and their assignee 's, instruct their Law Firm ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to postpone numerous Trustee Sale dates. 

While in XXXX, Fay Servicing and their assignee 's have posted {$17000.00} dollars of mortgage payments. The mortgage loan will soon be paid in full. 

We are constant harassed, continuous mailed letters to sell home. 

We believe, Fay Servicing , LLC and their assignee 's are in Violation of Federal Laws.
Product: Payday loan, title loan, personal loan, or advance loan

denied for loan for possible fraud due to legal name change. when I tried to explain multiple times my name has changed and was willing to send court ordered documents they denied my loan anyway and said i had to reapply in 30 days. then they lied and said I was supposed to call in when I never received anything regarding being advised that. I called in at XXXX on XX/XX/year> and the person accessing my account lied and said that they couldn't find the account. they then pulled my credit and lowered my score for no reason.
Product: Credit reporting or other personal consumer reports

On XXXX I received a notification about a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX. 

I called the company to notify them that the activity was fraudulent and they notified me that the account has been closed, but they would need to do an investigation that could take up to XXXX days before it reaches the credit bureaus, especially Trans Union since that is the only one the inquiry is currently being shown on. 

TransUnion is telling me they need a letter, but I can't provide a letter that I don't have from the lender and I want the inquiry removed from my report ASAP. 

So essentially my complaint is against both the lender and TransUnion for this inconvenience. 

Lender info is XXXX
Product: Debt collection

This complaint is about a debt collection agency noll collection in XXXX XXXX iowa, XXXX noll an attorney is reporting a false amount of debt on my credit report even though XXXX XXXX XXXX of south dakota judge discharged the their claim of amount we owed to a rental apartment XXXX at XXXX XXXXXXXX XXXX  where i lived for 4 years .noll collection is still reporting imaginary amount of XXXX dollars on my and my husband s credit report even though ordered by court that we dont owe them this amount. 
I paid her court fees and what ever was ordered by judge. 
Now this is unfair that noll collections lawyer XXXX noll is still reported a closed account new just to hurt my credit exactly at time when i applied fir home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following XXXX companies : 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 XXXX XXXX. # XXXX Amount : {$670.00} 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 credit score has dropped tremendously yet again due to this collection account which has changed ownership now twice. The original creditor is XXXX XXXXXXXX XXXX  on XX/XX/XXXX the collection was sold to XXXX XXXX XXXX in which that company violated my consumer rights and broken many FCRA laws and therefore the collection account was deleted by XXXX XXXX XXXX. The documents of that deletion is uploaded as well. Currently as of now once again my credit has gotten penalized by another debt collection agency named XXXX XXXX XXXX as of XX/XX/XXXX. XXXX XXXX XXXX was sold the same identical information from the previous debt collector. I have no contract or obligation to XXXX XXXX for this account as already been settled. Now this previous debt is currently reporting on all three credit bureaus damaging my credability. I truly believe this is illegal and a frivolous business practice of penalizing me multiple times by the same collection. I'm requesting that XXXX delete this prevously deleted account frommy credit report and cease all communication and reporting.