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

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I look at my Equifax credit report on XX/XX/year> and noticed some things are XXXX and not accurate.And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generalif, after any reinvestegation under paragraph ( 1 ) of any information disputed
Product: Mortgage

My mother passed away in XXXX 2014. There was an unknown mortgage on the family house. Now the house in in foreclosure. Now I need someone with someone with some authority to help me out with the situation!
Product: Mortgage

I accepted a forbearance plan offered by my mortgage company Loan Depot. Forbearance plan ended XX/XX/XXXX. At the end of my forbearance plan my loan was sold to a different division of Loan Depot. I tried and tried to make payments but was not allowed because they needed to do loan modification and give me a new payment to make. They couldn't give me an amount to pay or tell me where to make a payment because they weren't done transferring my paperwork from the first division. Months went by with no communication and when I called I would get the same answer. We are still working on your loan we should have answers soon. They sent me more paperwork to sign regarding my forbearance in XXXX. To which I signed and sent back. Now we are in XX/XX/XXXX and the answer I received after multiple phone calls was that " you should hear something from us by XXXX or XXXX ''. I called during this time because I am now getting people coming to my house trying to buy my house because they say it is in foreclosure. I called loan depot at the end of XXXX once again. Customer service did not see anything about foreclosure in my loan notes. Yesterday when I got home from work I had a card on my door saying we just bought your house at auction. I called loan depot this morning and after many times on hold and customer service rep scrambling. This is true. They sold my house without letting me make payments after my forbearance ended. I have been trying to make a payment with Loan Depot since XX/XX/XXXX. I am now being told they can not help me because they no longer own my house. They sold to an investor named XXXX XXXX with XXXX. XXXX in TX, XXXX. I have no idea what to do now. I have been in this house for 16 years.
Product: Credit card

I called Sunbit Credit card on December 13, 2024 because I was trying to pay off my balance {$1900.00} and it was not going through because Sunbit has my account and bankruptcy status. The bankruptcy did not go through and It was kicked out/discharged back in March 2024 since then I have not been able to make a payment or do anything with my account so I have been calling Sunbit to take me out of bankruptcy status so that I may pay off Sunbit credit card so It can stop reporting negatively on my credit report as missed payments. The customer service representative told me that they have to email their bankruptcy department to take that status of my account before I can make my payment they told me it would take a few hours for them to update it and theyll give me a call back. I never received a call back. I called on the XXXX the XXXX the XXXX and the XXXX and and XX/XX/XXXX I keep getting the same results each timetheyre going to email their bankruptcy department to get that status removed so that I can make the payment. I have also tried to contact them on their website where it says contact us and you write a short summary along with my information so that they can reach me but In the meantime, its affecting my credit report and and is starting to take a toll on my mental health. This has been stressing me out. Ive been worrying that theyre gon na put my account in collections because I cant make the payment due to their system. Error of keeping me in bankruptcy status I need help getting this resolved please so that I may pay off the balance and have a good credit report because this is affecting my credit worthiness I paid off everything else on my credit except this account because its not allowing me to make payment due to the bankruptcy status on my account due to the amount of money I make I do not qualify for bankruptcy
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, Equifax 's 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 complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX AND 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 would like to get XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX XXXX  XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX late payment markings since each late payment marks are inaccurate each credit bureau based of months. on XXXX it's reported i was late XX/XX/XXXX, XXXX and XX/XX/XXXX however it is not accurate. 
XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX XXXX  acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file is showing accounts on my credit that are reporting without my permission and is violating my consumer rights under FCRA guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 
Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

TU is reporting a false or fraudulent account in the amount of {$780.00} to a company called XXXX. I have never agreed to any account with this company, and if there is a signed agreement it is fraudulent. TU reports it verified this account, so I would ask TU to provide the written agreement with XXXX with my signature that they saw. As this is the only way they could claim to have verified the account. I dont want to hear anything about how they asked a data processor or someone BS like that. Show me proof of my signature on an agreement with XXXX.
Product: Money transfer, virtual currency, or money service

Hello. 

my problem is since XX/XX/2020 with this company. 

Me account is ( block, rectricted ) Me account is under review. 

I use this website 1 year or more and i have level 2 verify identity, but now i can use me account. 

Company is Coisnbase.com for trade, sell and buy criptomonedas. 

I send them a lot of tickets without reply.
Product: Mortgage

Have contacted Flagstar bank several times attempting to get the lender placed insurance taken off my account. They have not only failed to do so but have continued to collect the increased premium via my escrow payment and resulting late fees. This insurance documentation has been sent in several times and nothing has changed with this insurance since we have owned this property.
Product: Checking or savings account

I opened a savings account with CITIBANK and deposited {$10000.00} on XXXX and was suppose to receive a {$100.00} Bonus after 60 Days. My account was hacked due to CITIs negligence and fraudulent transactions were made. CITI made me close the account and open a new one and they did refund the monies that were fraudulently transferred. The refused to give me my {$100.00} bonus even though I met sll the reauirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

On XX/XX/2022 Aspen Properties Group LLC notified me that they will modify my mortgage. Aspen however conducted a foreclosure sale of my home on XX/XX/2022. I was under the belief that Dual Tracking was illegal. I worked diligently with Aspen to get a loan modification and supplied all the required information that Aspen requested but was blindsided when my home was sold. I am still in possession of my home but was notified that there is a new owner of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX credit cards on my credit report. These cards are being reported as charge offs and/or collections. This is affecting my ability to obtain a much needed loan. I have contacted the credit card companies and they claim to have verified the debt. I don't know how they could verify the debt when my social security number was used to obtain the cards but at an address that I have never lived at. My social security number is connected to to my current address which I have been at since XXXX. I have filed a policy report with the XXXX Sheriff 's Office Case # XXXX. XXXX XXXX XXXX XXXX was taken out on XX/XX/XXXX using the address XXXX XXXX XXXX, XXXX, XXXX XXXX, the balance is {$980.00} I have never lived in Georgia and Social Security and my tax returns prove that. XXXX XXXX XXXX XXXX was opened on XX/XX/XXXX the balance is XXXX. This card was opened under my maiden name of XXXX. I was married and changed my name in XXXX, again proven by my tax returns and social security number. The next account is XXXX XXXX taken out XX/XX/XXXX with a balance of {$980.00}. Again, this is not my account and I am not responsible for this bill. My identity was stolen, my social security number has been compromised and these banks are NOT verifying the person who is making the online applications.
Product: Checking or savings account

In XXXX I deposited {$38000.00} XXXX  year XXXX  with Etrade / Morgan Stanley. 
In XXXX XXXX XXXX, I requested the XXXX be closed and funds transferred to me. 
After numerous delays, further documentation was mailed on XX/XX/XXXX which included the distribution form and state XXXX requested. 

I also want to add, in XXXX XXXX XXXX I received a 1099-R for {$1800.00}.

I never received a check for that amount or was given a copy of the cancelled check.

Im still waiting for the balance of my account to be paid to me.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. From my investigation these accounts listed do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sadly has a reputation for delayed reporting. The impact to the consumer is brutal. My department of education account has not been updated since XX/XX/XXXX and it is XX/XX/XXXX. 

Department of Education / XXXX  Balance XXXX Last updated XX/XX/XXXX I have called over 7 times in 2 weeks ; spending 25-43 minutes per call in an effort to have Equifax report and update accurately and timely. The vendor has verified the update was provided and all other bureaus updated as of XX/XX/XXXX. I have been told an internal investigation was created only to learn on a follow up call that it was not. Conflicting in Equifax Internal complaint number filed XX/XX/XXXX case number XXXX
Product: Debt collection

Debt is XXXX reverse mortgage. Debt not owed until both my wife and I die. Still we are receiving collection letters. Requests to stop are unsuccessful.
Product: Debt collection

I have XXXX collection accounts that was bought from XXXX XXXX by PORTFOLIO RECOVERIES ASSOCIATE. The collection company is listed on my credit reports under XXXX XXXX as being "sold to PORTFOLIO RECOVERIES ASSOCIATE The collection company is "PORTFOLIO RECOVERIES ASSOCIATE" and this company is not licensed to collect in my state of North Carolina. XXXX XXXX is listed on my credit report as charged off and "sold to PORTFOLIO RECOVERIES ASSOCIATE." Since this company is not licensed to collect in North Carolina I would like this information deleted and removed from all XXXX credit bureaus and kept from reporting on my credit reports in the future because they bought the debt without having a license to collect in NC.
Product: Mortgage

Under Florida XXXX XXXX XXXX " A void judgement is a XXXX that has no legal force or effect, the invalidity of which may be asserted by any party whose rights are affected at any time and any place, whether directly or collaterally ... its in incapable of being confirmed, ratified, or enforced in manner or to any degree. 

On XX/XX/XXXX, SPS ( Select Portfolio ) reply to our complaint no. XXXX, and made the false that on XX/XX/XXXX, we had engaged in a loan modification agreement. SPS uploaded a copy of the allege agreement to the Consumer Financial Protection Bureau portal. I have attached the same for your recollection. If you carefully review the signature page you'll find that SPS ( Select Portfolio ), never signed the agreement, therefore we never had a contract. Under Florida XXXX XXXX ( XXXX ) ( a ), A written agreement loan modification agreement must be signed by both parties. Because XXXX XXXX never signed the agreement we never had a contract, therefore is a void. The allege contract never was, nor taxes paid on the loan increase pursuant to Florida statutes XXXX ( XXXX ) ( b ) XXXX ( XXXX ).
Product: Student loan

I have contacted Navient since XX/XX/XXXX after i obtained a XXXX 's from XXXX University and attempted to make monthly payments to pay off some of the loans, the representatives i spoke with reported i can't make payments at this time and i will have to wait until i complete school, I then spoke to a supervisor and the supervisor reported he stands behind what his representative informed me off and i can't make payments. I then moved on to get a XXXX XXXXXXXX from XXXX XXXX University after I graduated in XX/XX/XXXX, I contacted Navient 7-10 times during that month as representatives were unable to locate my loan on numerous occasions, and the two times i requested to speak to a supervisor, they steered me into forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for it. I attempted to do my research and contacted them back, the representative informed me that {$480.00} is the minimum payment allowed to make per month. I explained I am unable to pay that amount as I had just landed a job after graduating, and have a mortgage under my name along with another loan through XXXX XXXX under my father 's name that I have to repay, the representative insisted I go into forbearance. I explained that this will force me to accrue more interest, the representative reported that either I pay the {$480.00} a month or I have to make the decision to go into forbearance as those are the only options for me at this time.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required unde
r 15 U.S. Code 1681b.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This Debt has been gained through Identity theft 18 USC1028A ( AGGRAVATED IDENTITY THEIFT ) Also In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Mortgage

Rushmore is charging my escrows for " personal insurance '' that they claim is due to a requirement that I provide " wind '' insurance. Previously, Rushmore made this claim on all 3 loans that they service for me. My insurance policy covers this type of damage and Rushmore removed these charges from 2 of my 3 loans. While preparing year for taxes, I realized that Rushmore was charging my escrows for their imposed additional insurance on this loan. I phoned Rushmore and gave all information and demand that charges be stopped and my money returned to my escrows. On XXXX-19, Rushmore AGAIN charged my escrows for their " personal insurance '' imposed fraudulently on my account.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and i noticed several inaccuracies on my account. This Account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account XXXX asking you to verify is accurate : XXXX XXXX XXXX, Account number XXXX Open XX/XX/year>