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

XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX Balance {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( XXXX, Experian and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than XXXX business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE NEGATIVE ITEMS DOES NOT BELONG TO ME, THOSE NEGATIVE ITEMS HAVE BEEN DAMAGING MY CREDIT WHICH I WAS UNAWARE OF. PLEASE DELETE THE NEGATIVE ITEMS OFF MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on 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
Product: Debt collection

On XX/XX/2019 I called First Federal Credit Control Services in regards to medical debt they have from my general practitioners office. My GP notified me that I needed to make a payment arrangement on the bill to continue to be seen. I was not aware of the amount or which one specifically when I called. Apparently there is a few and some are a couple of years old. I have been working to pay them off slowly, I do realize. I spoke to one woman initially who asked what I could pay and I said I could pay {$40.00} bi weekly and she said I was welcome to do so online but this would not resolve the matter as they would only accept 1/3 of the total amount owed today to start a payment arrangement with me. I asked what they would ask for today and she said {$480.00}. I told her I did not have that much to give them right now. She told me that some of my bills were very old, etc. I told her I realize. She reiterated the last time I made a payment was in XXXX. I also said I realize. I asked for a supervisor. She placed me on hold for an extended period. I spoke to a XXXX XXXX who then berated me telling me oh boohoo we all have lives and kids but we pay our bills and told me you better hurry up because you have one minute before I hang up on you she yelled at me and hollered in the phone. XXXX chose to continue to be abusive in her language. I sure hope their calls are recorded. When I asked for her name and if she was even a supervisor she said youre not going to intimidate me I chose to disconnect the call. This is not how business should be conducted. Bill collector or not. I was attempting to set up an arrangement to get this bill in order. I was continually told how much debt there was out there {$1400.00} which in the grand scheme isnt huge. But {$1400.00} when you dont have it might as well be {>= $1,000,000}.
Product: Mortgage

The mortgage company is Fays servicing. On XX/XX/2021, a principal payment was made towards my mortgage in the amount of {$3000.00}. I was looking at my loan activity recently and saw that they reversed that payment, therefore increasing my principal balance. I have called the company twice, only to be connected to someone in XXXX and be placed on hold for sometimes up to an hour. I have also emailed the address on file. I am not sure what else to do at this point. This servicing company seems incredibly sketchy and Im worried that they are not legit at all. My mortgage was moved to them and if possible, I would like to transfer away from them. Please help!
Product: Debt collection

Affirm INC. filed a collections without my knowledge of what I was being charged, XXXX XXXX  which was the merchant was hacked and was able access my private files. XXXX XXXX as well was hacked during this time.
Product: Credit reporting or other personal consumer reports

In XXXX or XXXX, a loan was taken out fraudulently using my personal information. When I became aware of this fraudulent loan I immediately notified XXXX XXXX and made them aware of the situation however upon doing so I have not been able to rectify the situation even though they have previously received from me FTC reports police reports FBI reports as well as other documentation showing that I was the victim of identity theft. Also the loan was deposited into a fraudulent bank account with XXXX this account has subsequently been closed because it was determined that this account was in fact opened fraudulently. Unfortunately I have not been able to get XXXX XXXX to take this off my credit report and thus it is causing a negative tremendous impact on my credit score. Also I have provided them information showing them that my information was bought and sold on the dark web over XXXX times of which included my email address password to my email address along with other various accounts along with the passwords so the individuals that were responsible for this had access to my personal information along with my email address and other information allowing them to open this account however I'm still not able to remove it because XXXX refuses to accept any documentation by not providing a number a fax a link or any other type information to which I can send this information to them. I have attempted several times over and over to get this removed and to get some type of cooperation from XXXX  however all of it has been done to no avail
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I closed a XXXX with XXXX XXXX. They issued a check directly to my bank, account number is XXXX, XXXX XXXX in the amount of {$900.00}. The check was mailed out on XX/XX/XXXX and is showing cleared on XX/XX/XXXX. It was never received by XXXX. This check was deposited to State Street Bank And Trust routing number XXXX. My best guess is the check was stolen from the mail and fraudulently deposited.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX Trans-union has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX XXXX XXXX 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 XXXX XXXX XXXX has niether 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 XXXX and XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for the XXXX  XXXX and XXXX XXXXXXXX on my consumer report. Equifax verified it as accurate with XXXX XXXX. I have proof that XXXX XXXX could not verify the data as accurate and deleted the misleading/inaccurate information from my consumer report. According to the Fcra 15 usc 1681a ( 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 consumer reported on or with others with whom he is acquainted or who 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 or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Equifax has blatanly disregarded the federal law by not removing this unverifiable information and according to 15 usc 1681n ( a ) ( 1 ) ( a ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I am owed for my damages in the amount of {$2000.00} for not removing the inaccurate XXXX XXXX and XXXX from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint involves all 3 credit Bureaus but especially XXXX who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the XXXX Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... please help!!!
Product: Mortgage

I am following up with a previous complaint I made with the cfbp about Wells Fargo and their foreclosure filing on my home at XXXX XXXX XXXX, XXXX MA XXXX. I have been working with XXXX XXXX on my previous complaint but was advised to update my complaint based on new information I received from the Wells Fargo. Despite the ongoing negotiations during my complaint, Wells Fargo has moved aggressively forward to foreclose on the home. I was told by a real estate representative for Wells Fargo the following information " Yes, we have the F/C deed. I am not sure what information this former is providing you but we have been proceeding with eviction for months. Per my attorney " the Execution was requested from the court today, XXXX/XXXX/16, and takes approximately 7-10 business days to be signed and issued. We will advise once received and issued to the constable for lockout scheduling. '' One of the major issues with Wells Fargo is they have never followed the steps they outlined to me as part of my original loan modification that was going on earlier in the year. What concerns me is that I was offered ways to save my house in XXXX 2016 but nothing was ever confirmed by Wells Fargo since they kept changing my contacts to handle my situation. I have also been told multiple times that Wells Fargo did not receive all my documents, despite the fact I faxed these documents multiple times. During all this, I learned without having any decision, my house was put up for sale by Wells Fargo and sold to their real estate division for {$250000.00}. I wanted to make sure Wells Fargo had received all the required documents for my loan modification which I sent in XXXX and again on XXXX XXXX, 2016. The documents I sent to the bank at that time were listed as Wells Fargo requirements for loan modification which included Explanation of Financial Hardship, Homeowner Financial Assistance Form, IRS Form XXXX Request for Individual Tax Return Transcript. Documentation to verify all income of the borrower ; and Dodd-Frank Certification Form. As part of my initial complaint I asked to have Wells Fargo to confirm they received all these documents which they have continued to fail to do. They also provided timelines of giving me a decision which again they have failed to do as described. I was advised to file this second complaint based on the fact that Wells Fargo continues to ignore my requests and are moving forward with the home foreclosure. I have not been even given the opportunity to do a short sale which based on its current valuation is probably going to be a very small amount if that since the house and property is currently valued at XXXX even though my mortgage was {$210000.00}.
Product: Credit reporting or other personal consumer reports

I am a single XXXX American father struggling to support my children while being targeted by predatory credit bureaus that refuse to remove fraudulent accounts and unauthorized inquiries from my credit report. These credit bureaus are intentionally keeping me in financial bondage, blocking my access to housing, employment, and the ability to provide basic necessities for my family. 

Despite my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), Experian, Equifax, and TransUnion continue to report fraudulent information that I have already disputed and proven to be a result of identity theft.

Under 15 U.S. Code 1681c-2, the credit bureaus are legally required to block identity theft-related information within 4 business days after receiving : Proof of my identity A copy of my identity theft report My identification of the fraudulent items My statement affirming these accounts and inquiries are unauthorized I have provided ALL of this documentation, yet the bureaus refuse to comply, deliberately violating my legal rights. 

Here are the fraudulent accounts and hard inquiries that must be removed immediately : Collections ( Fraudulent & Unverified ) REMOVE IMMEDIATELY XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$140.00} Unauthorized Hard Inquiries REMOVE IMMEDIATELY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These fraudulent accounts and inquiries are destroying my financial stability and blocking me from accessing the credit I need to survive. This is a clear violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), as these bureaus are actively discriminating against me by restricting my access to fair credit opportunities. 

By refusing to remove these illegitimate items, Experian, Equifax, and TransUnion are : Violating 15 U.S.C. 1681c-2 by refusing to block identity theft-related items Violating 15 U.S.C. 1692g by failing to properly validate these debts Violating the Equal Credit Opportunity Act by preventing me from accessing fair credit opportunities I demand the immediate removal of these fraudulent accounts and inquiries within the legally required timeframe. If these errors are not corrected, I will pursue legal action under 15 U.S.C. 1681n, which allows me to sue for {$1000.00} per violation in addition to any other damages caused by these reckless reporting failures. 

These credit bureaus are playing with my life and the future of my children. This inflated economy is already crushing families like mine, and the fact that these for-profit corporations are profiting off of my suffering is unforgivable. I will not stand by while my rights are trampled by companies that monetize financial oppression. 

I expect immediate action. If these fraudulent items are not deleted, I will escalate this further with legal action and public exposure.
Product: Credit reporting

XXXX # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX Original Loan Amount : {$3500.00} I was in a 6 month FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Transunion Current status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX ) XX/XX/XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance
Product: Mortgage

On XX/XX/XXXX we started a mortgage re-finance with XXXX XXXX for a mortgage we had held since XX/XX/XXXX with BB & T. On XX/XX/XXXX we received a letter from BB & T telling us they had received a request for final payoff statement. On XX/XX/XXXX BB & T received subordination document for our HELOC loan, asking for their signature. Closing was expected on XX/XX/XXXX. 
BB & T did not sign the subordination document for 19 days - our closing was delayed to XX/XX/XXXX. Payoff was not received until XX/XX/XXXX. 
As a result of BB & T 's delay in signing the subordination document, we incurred a late charge on our XXXX mortgage payment AND we had to pay XXXX XXXX  {$780.00} to hold our interest rate for the new 15 year mortgage. ' We learned about this charge at the closing, even though we were told there would not be any charges that day. 
We have tried to work with both banks but all they do is point fingers at each other and will not take responsibility.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer/client/member of Credit Bureaus I expect transparency, reliability, and prompt action in addressing such matters. 

The persistence of these fraudulent items reflects poorly on Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX