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

XXXX  with whom I have a XXXX XXXX loan in XXXX provided me with a loan modifications in XXXX after I contact them requesting the cares act relief as I was diagnosed in XXXX XXXX in XXXX of XXXX. The modifications was written to stop the loan due dates in XXXX through XXXX and reset in XXXX of XXXX and defer to end of loan. Then payments partial until XXXX of XXXX them pay 6 months consecutive and then refi to a home equity loan. I was told the dates would be forgiven and not report late or partial for the XXXX through XXXX. I went to refi my loan in XX/XX/XXXX and was not able to get all the documents in on time and now in XX/XX/XXXX went to look into gov programs for special rates. I checked XXXX XXXX  and my credit had fallen under XXXX and was furious. My XXXX was reporting my loan as a standard revolving account loan and all of the dates from modifications were 30 60 and 90 days late. And my other accounts were closed due to low credit score. Credit utilization 444 % even though paid on time. I tried to get a loan with XXXX XXXX XXXX  to pay those off and was denied because of the debt income ratio and to refi loan with XXXX and dispute to have credit fixes. I wrote to XXXX  as well as dispute 3 credit reports and XXXX  replied reporting correctly and my loan modifications report correctly. I am currently refi with XXXX taking over 5 weeks and they refuse to fix credit report only mini refi paying all my debts not allowing me to keep my car loan or my prepaid credit cards. I have dispute with the XXXX their CEO and nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third compliant to you. You have not resolved the original issue I had with the credit reporting agencies. As I stated in the last two complaints, I sent 3 dispute letters to XXXX, transunion and XXXX   disputing items on my credit report. You as well as the credit reporting agency repeatedly ignored the FCRA. You as well as the credit reporting agency has not produce any documentation proving the said items belongs to me. You as well as the credit reporting agency constantly states that the furnisher has verified the said disputed items. Who is the furnisher? How did they verify? Where is the original signature page, which provides proof items belongs to me? You both have failed numerous times to produce proof of said items. I am beyond anrgy that this is still not resolved after four months. I want to see your proof, which must be the original signature page of the allege contract as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It may concern : Ive had identity theift for years and have contacted the police and their response to me was since it is small amounts each time it was nothing that could be done but if it was a lump sum then action could be taken. I have written serveral letters to the credit bureaus asking for debt validation and orginal contracts stating what is being reported on my credit report is accurate, and it comes back as verified but I never recieve written documention showing its actually an account I have authorized. I was also a victim of the XXXX data breach in 2017 and looking at my XXXX report I also see that my personal information in being viewed on a daily basis. I will attach documents for the certified letters that Ive written also proof showing my personal information has been compromised. Ive writtent certified letters to not only the the credit bureas but the collection agenices that are incorrectly reporting on my report. Ive also done my due dillegence and have documentation showing that the listed companies are illegally trying to collect a debt are unauthorized to collect in my state of Ohio. If the attached documents are not clear please visit XXXX. Listed below are the companies XXXX ) LVNV Funding 2 ) I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act these accounts 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. 

I have also attached a copy of my ID I did not attach my SSN considering the data breach and my personal information being compromised, but if there is any other documentation that is needed from me please let me know. 
Thank you
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 XXXX 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 action 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 compiles with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I previously instructed USAA to discontinue communications with me in all shape, manner and/or form.Recently USAA representatives have begun contacting me regarding information I sent to the CEO 's Office. I have not communicated and/or forwarded information to the CEO 's office since I instructed USAA to cease and desist. They in turn have begun calling and sending emails and USAA Message notices. This is in strict violation of the cease and desist. Additionally, USAA sold the alleged credti card debt to the XXXX XXXX who in turn have been contacting me. Due to this transaction, USAA does not even have standing and/or an interest basis to be contacting me except to harass. I provided the XXXX XXXX an opportunity to provide me strict proof of any debt obligation related to the credit card debt they are seeking to collect but they failed to so so. As a result, I have also ordered the XXXX XXXX to cease an desist in all forms of communications. The correspondence ( s ) are attached.
Product: Credit card or prepaid card

T J Maxx I received a response from a previous complaint ( CFPB Case # XXXX ) from XXXXXXXX XXXXXXXX XXXX XXXX  with Synchrony Bank dated XX/XX/2022 stating that this account was placed with XXXX XXXX XXXX on XX/XX/2022. I called XXXX XXXX several times and there wasn't an answer or ability to leave a voicemail. Sometimes, I would just get a busy signal. I received absolutely no correspondence from XXXX XXXX 
On XX/XX/2022, I sent an email to XXXX XXXX online ( XXXX ) regarding this account. No response. 
On XX/XX/2022, I called XXXX XXXX ( XXXX ) as recommended on the letter from XXXX XXXX. I spoke with XXXX and she stated there was a " cease and assist '' on the account and that was the reason there was no contact. I did not tell them to do that. I called them to arrange a " settlement '' via making payments until the account is paid in full. 
They said the account was inactive and sold to XXXX (? ) on XX/XX/2022. I do not feel this is fair because I tried to reach places of contact. I didn't know it had been placed with XXXX until XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

In XXXX XXXX 2014 I was living with my cousin at the time and she got some cable. I didnt know she used my information to get the cable. Now a collection agency is asking for money from me that I dont even owe. They told me to call all these numbers but every number I called sent me to someone else and I got the runaway. I want to know what I need to do to get this taken care of.
Product: Checking or savings account

My CD at Marcus ( Goldman Sachs Bank ) matured on XX/XX/2023. I gave wiring instructions in advance, and I did not receive any money after the closing date. I use their chat and called and they said that because of dollar limits on the size of the account, they were having problem closing the account. I called daily and got the run around. I would like them to send me the money along with extra interest for every day that they have held the funds that should have been returned to me if not for their error.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Hello CFPB, I had made a payment via US Mail on each of my loans with Select Portfolio Servicing ( SPS ), loan numbers XXXX and XXXX. 

The checks were received late or lost by SPS and I was incorrectly marked 30 day on my credit report. 

I called SPS and explained to the representative what happened. I provided documentation including copies of the checks and the postmarked envelopes showing the mail date of XX/XX/2022. I was told my request for removal of the 30 day late would be reviewed within 30 days and I have not heard back from them yet regarding this issue.
Product: Credit reporting or other personal consumer reports

I am writing to you for the fifth time to dispute the inaccurate addresses that are currently listed on my credit report. Despite my previous communications dated [ insert dates of previous letters ], these erroneous addresses continue to appear on my credit profile, and no corrective action has been taken. These addresses do not belong to me and have never been associated with my personal or financial history. It is evident that there has been a significant oversight in the verification process conducted by your bureau. The continued presence of these inaccurate addresses on my credit report not only undermines my credibility but also reflects a blatant disregard for the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the accuracy and completeness of the information they report. 

I have already provided ample documentation and evidence to support my claim that these addresses are incorrect. Your failure to address and rectify these inaccuracies is unacceptable and demonstrates a lack of diligence in fulfilling your legal obligations under the FCRA. It is imperative that you take immediate action to investigate these discrepancies and remove the erroneous addresses from my credit report. 

I demand that you conduct a thorough and proper investigation into this matter and provide me with a detailed explanation of the steps taken to verify and correct my credit information. It is your responsibility to ensure that all items on my credit report are accurate and verifiable. The continued inaction on your part suggests a serious lapse in your verification procedures. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation 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 Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where experian has neither corrected nor removed disputed item 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 experian inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I tried to dispute with Experian about an account from XXXX, the account is no longer with that company and I verified that but yet they just updated the info and not deleted it. I actually do not feel like they even disputed it because the results came back way to fast for them to have thoroughly investigated.
Product: Credit reporting or other personal consumer reports

Hi Equifax, I just received copy of my credit report and I found those fraud inquiries that shall deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Due to inadequate customer service and unfair practice, which violated the consumer finance protection act CFPA pacifically, cash app failed to take timely and effective, measures to to prevent an address fraud on their platform, leaving My Account, vulnerable, and unprotected. Furthermore, their dispute resolution was unfair and a set of as they did not comply with error resolution requirements, under the electric fund transfer act EFTA and regulation E. These actions have cause significant inconvenience and financial loss I seek appropriate compensation regarding for those violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Acceptable Resolution : The aforementioned credit inquiries should be removed from my credit report. These were performed without my consent or knowledge.
Product: Credit reporting

I disputed the tax lien from XXXX office in the state XXXX to credit reporting agencies. It was filed in error. It was for unpaid taxes for the year of XXXX. I do not owe any taxes to the state XXXX because I am not a legal resident XXXX. I am XXXX military and a legal resident XXXX, which is who I pay my taxes to. It was because of me having an XXXX address that had triggered that. I submitted all supporting documentation and it still was not deleted. The dispute results were completed on XXXX XXXX XXXX and the tax lien still remains. So far, It has been removed from my XXXX report. Please remove this from my report.
Product: Credit reporting or other personal consumer reports

I was shocked to find incorrect accounts on my credit report this morning, and I can't understand how they ended up there. I reviewed my report like I normally do, but this time, there were unexpected discrepancies. I even refreshed the browser to see if it was just a glitch, but the errors persisted. Given this issue, Im asking for a thorough review of the documents I've sent so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

Experian and XXXX ( Headquarters out of Florida ) .. are reporting low score or wrong information!! 
I've seen credit denials from Experian for car loans at a XXXX XXXX XXXX and reporting a XXXX XXXX XXXX that's never been apart of my score! 

Clarity has me currently at a XXXX XXXX of XXXX ... so what's really happening plus deceased and a bank attacked that hasn't or zero XXXX roots but only out of state. I never living in another state longer than one month or less. 

I will enclose evidence of score
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Ct XXXX, Ohio XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ORIGINAL CREDITOR : XXXX XXXX  XXXX : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : XXXX. A copy of the original contract or agreement under which the debt arose. 
XXXX. A detailed account statement showing the amount of the debt, including any fees or interest. 
XXXX. Date of Last Activity. 
XXXX. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
XXXX. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 
XXXX. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. Section 602A States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction which antedates the report by more than seven years.

15U.S.C. 1681s-2 ( a ) ( 1 ) states : 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

XXXX erased my student loans as requested with all credit bureaus. However, Equifax missed the elimination process. I ask Equifax to reinvestigate the matter and delete the XXXX student loans permanently. 


COMPANY 'S INTERIM RESPONSE The response to your Consumer Financial Protection Bureau inquiry from Pennsylvania XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX /XXXX XXXX is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX performed a review of your account. Please Note : XXXX conducts its student loan servicing operations commercially as XXXX XXXX XXXX and for federally-owned loans as XXXX XXXX. In your inquiry you expressed concern regarding information submitted to the consumer reporting agencies regarding your account. We received and investigated your complaint regarding loans for which you were on record as the endorser. Based on our preliminary investigation, we have submitted to the consumer reporting agencies to remove the loans from your credit report, until we can perform a full investigation once the borrower completes and returns the Fraud Packet that is being sent.
Product: Checking or savings account

In XXXX there was an unauthorized transaction on my account for {$3700.00}. I reached out to Chase to dispute the transaction since it was not authorized. It seems that since it was done through XXXX, they denied my claim and never refunded my money. I went ahead and started the process of closing my account this morning at a Chase branch office. They told me to go on social media to fight the denial of this claim. I'll go ahead and do that as well.
Product: Credit card or prepaid card

On XX/XX/2018 an order was placed at Ashley Furniture for {$3000.00} using a Synchrony Bank credit card. The order was for a couch, bed, and bed frame. On XX/XX/2018 the order was modified to a different couch for {$2800.00}. On XX/XX/2018 the order was canceled. I have reached out to Synchrony Bank on multiple occasions to notify them of the canceled order, however they refuse to acknowledge the credit and continue to charge me for the canceled order. I have also provided Synchrony Bank with the credit, however they continue to keep the order on my statement. Attached you will find the two sales orders along with the credit voiding the sale.