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

XXXX I am filing a complaint against Equifax for failing to propery 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 SECTION 602 A.STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 ; .IT ALSO STATES A COSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit card or prepaid card

To whom this may concern, Please remove the following accounts from my credit report. Ive been a victim of identity theft and fraud. I hired a credit repair company paid them and havent received anything so Im trying this on my own please help Ive been trying to refi my house and this has been stopping it from moving forward can you send me an email confirmation please I dont have anymore time to waist thank you Chase XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX chase was open XXXX, 2018 the rest opened XX/XX/2018 TOTAL = {$48000.00}
Product: Money transfer, virtual currency, or money service

There was never anyone to speak with concerning my issues with cash app. There was no real XXXX number to contact when I had issues with my money.
Product: Mortgage

Real Time Resolutions ( RTR ) claims to be servicing this HELOC debt ( see attached ). RTR also claims that XXXX  XXXX XXXX is the investor. XXXX XXXX XXXX  denies any affiliation with the debt based on prior QWR demands responses issued by them The HELOC loan was originated with a {$36000.00} high credit limit ( attached ). On XXXX, RTR claims they took over all servicing rights which left them with the responsibility to retain past and present accounting records per HUD and RESPA law. Since this is a revolving line of credit, there is interest that compounds daily with interest with a monthly payments due based on the outstanding balance. The line of credit description is clearly listed on the mortgage ( attached ). On many occasions I have requested full accounting records and RTR has refused to provide them. This is a clear violation on HUD, RESPA and CFPB law. Over the many years that this loan has been serviced the balance has been paid down to {$12000.00}. I am now seeking to pay off the debt and RTR has refused to issue a formal payoff with the correct balance of {$12000.00}. The only issue arbitrary collection notices that do not reflect the accounting and servicing records that are required per the FDCPA.
Product: Vehicle loan or lease

I purchased a new vehicle at XXXX XXXX XXXX XXXX. I signed all this paperwork and they gave me a hard to read triplicate copy. After two months of not getting my license plates, I went down to the California Department of Motor Vehicles and discovered that all the contracts had an address that doesn't even exist, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My address at the time was XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca XXXX. 

I happened to have ordered personalized plates so the DMV to comply with the temporary plate law assigned that personalized plate to my vehicle, a XX/XX/XXXX  XXXX XXXX XXXX and told me that the plates were probably returned to the dealer. So I called the dealer, which transferred me to the " DMV DESK '' and never got back to me. I went back to the DMV to try to find the plates and to this day, I do not know where they are at and the DMV offices are closed due to COVAID. I have been on hold for hours with the DMV trying to get an appointment somewhere because I do not want these personalized plates on my car. 

I told SANTANDER that I never lived at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX and why do we spend so much time underwriting a loan where they are receiving 24.19 % interest rate but can't assist me in finding the plates. Why wasn't this contract mistake discovered at funding? Isn't that something to underwrite besides a consumers income, assets or REG B? Its on everything, even the GAP insurance contract. NO ONE CAUGHT IT, TO THIS DAY. 

I feel like the collection calls are unfair and I am not going to make any payments until I get the license plates due to your error.
Product: Mortgage

I had a Wells Fargo mortgage loan, back in XXXX to XXXX. I ran into a hardship with my payments and requested a modification several times and continued to be denied. 

My house was placed into foreclosure, and I ended up having to sell my home. During the process of me trying to get a loan modification. 

After recently reading about the lawsuit regarding the denial of loan modification with Wells Fargo and the sanctions brought about is when I realized that I was a part of this scam and denial process that was being done to homeowner 's loans with Wells Fargo. 

I did put in a compliant regarding the false claims that my house was sold and not foreclosed on, But they stated that no wrong act had taken place on their part, and my house was listed as being foreclosed on. This effected my credit score as well as my ability to get another home loan.

Neither the less, I was forced to sell my home. I could never understand why they continue to deny my loan modification request. We were told we over qualify. 

Now that I am aware of this lawsuit, of Improperly Denied Mortgage Modification which by the way I never received any communication regarding this matter, from Wells Fargo or Cfpb for the Orders of CFPB mandating Wells Fargo to pay XXXX XXXX Widespread. 

I wrote a complaint which can be found in my portal to confirm this complaint. Nothing was done to support my claim other than Wells Fargo response. 

My concern is that this was not looked into further and communication regarding my complaint of unfair practices on Wells Fargo Part to look into my loan modification documents further. Truly I feel we were looked over and nothing was done to help us with this unlawful at from Wells Fargo.

Now we see that we should have been a part of this lawsuit regarding the loan modification program and the time frame and location it took place in.

I am in hopes that we are listed as one of the accounts that was part of this scandal. I am sure we were. How is this managed and where do I go from here? 

How do I find out if I should have received some compensation regarding this issue. 

Thank you for your time and consideration. 

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

I went to the car dealership to cosign a car at XXXX XXXX XXXX XXXX dealership, and the salesperson told me that they were only going to allow XXXX XXXX to pull my credit report. However, they ran multiple hard credit inquiries on my credit report with the companies listed below. 
I want all the below inquiries deleted from my credit report. 

XXXXXXXX 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 checking my credit report, I have discovered fraudulent hard inquiry, it is XXXX XXXX XXXX I XX/XX/year>
Product: Credit reporting or other personal consumer reports

The Loans XXXX, formerly known as XXXX XXXX XXXX XXXX CFPB sued them Case 3:17-cv-00101-RDM Filed XX/XX/XXXX, for the deceit practices. There are XXXX loans associated with my credit file f these actions taken these loans were not afforded the relief provided. As a servicer of student loans, XXXX XXXX routinely furnishes information about its student loan accounts to consumer reporting agencies. 
They have begun to re-age these loans showing in inaccuracies of XX/XX/XXXX day delinquencies and irreparable harm to my credit file and score. These loans were open dates per credit report of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with a of last payment XX/XX/XXXX with a worth pay status unknown but has charge/off and last reported to CRA XX/XX/XXXX XXXX 
The Fair Debt Collection Practices Act prohibits debt XXXXollectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. 15 U.S.C. 1692e. 190. As described above, on information and belief, XXXX made false, deceptive, and misleading representations to borrowers that all of their collection fees related to the federal loan rehabilitation program would be forgiven by the U.S. Department of Education or that the exact amount of collection fees currently assessed to the account would be forgiven. XXXX. Therefore, XXXX, acting together with or on behalf of XXXX XXXX, violated the Fair Debt Collection Practices Act. 15 U.S.C. 1692e, 1692e ( 10 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity is compromised and I have been trying to have the listed accounts deleted and blocked from my credit report for months. I have attached the proof showing transactions that were not mine. These accounts are preventing from moving forward and need to have them deleted immediately.
Product: Debt collection

I had a loan of {$3000.00}, from the company name Loan Me XXXX XXXX. XXXX XXXX XXXX, CA XXXX was discharged on or about XX/XX/XXXX on my Bankruptcy XXXX XXXX case. 

On or about XX/XX/XXXX, Loan Me company opened up new loan in the amount of {$3000.00}, for my wife and myself. 
This above mentioned loan were never open and applied in my name and my wife. 
On or about XX/XX/XXXX, Loan Me company billing statement stating that we owed a past due in the amount of {$15000.00}. 
On or about XX/XX/XXXX, Loan Me company stated that we owed them a payoff in the amount of {$16000.00}. 

The above loan amount must never be in our name and must never be subjected for collection.
Product: Debt collection

Please Contact all Consumer Reporting Agencies and demand they delete these item from their reporting immediately as the items have been identified as information in my consumer credit report that is a result of identity theft. These item are not related to any consumer transactions completed by me or initiated by me, Please see attached.
Product: Debt collection

On XX/XX/2022, I contacted Midland Credit Management requesting for them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters/statements saying that I owe {$2000.00}, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am concerned about the corrupt activity going on with Mr.Cooper formally XXXX XXXX  XXXX. The company lied about my earlier complaint suggesting that I had mistakenly authorized 3 loan payments in the month of XX/XX/XXXX. When I log into my account to view payment history they have failed to post the 3rd payment they illegally withdrew from my bank. After several calls and countless time on the phone with customer service representatives and supervisors, I have still not gotten my insufficient funds XXXX dollars paid back caused by their illegal withdraws on my account. I have provided a bank statement showing the fees as well as a voided check. This company did not pay the earlier overdraft fees of XXXX dollars which my bank paid when they withdrew the 2nd mortgage payment.
Product: Credit reporting

Att phone service has ran my credit without permission. I want them to remove it.You ca n't run any ones credit without their knowledge. ( Equifax )
Product: Credit reporting or other personal consumer reports

I discovered multiple fraudulent accounts and unauthorized inquiries on my credit reports from TransUnion. These accounts were opened without my consent and have negatively impacted my credit standing. The fraudulent accounts and inquiries include credit cards, collections, and unsecured loans that I never applied for or authorized. 

Key Events and Actions Taken : Discovery of Fraud : I noticed unauthorized accounts and hard inquiries on my credit report while reviewing my credit file. 
The fraudulent accounts included collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and others, as well as credit cards and loans from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and others. 
Dispute Filings with Credit Bureaus : I submitted formal disputes with XXXX, XXXX, and TransUnion under Section 605B of the Fair Credit Reporting Act ( FCRA ), requesting the removal of these fraudulent items.

I also provided an Identity Theft Report, proof of identity, and proof of address to substantiate my claim. 
Credit Bureaus Response ( or Lack Thereof ) : Despite my clear evidence and legal rights under FCRA Section 605B, the credit bureaus failed to remove some or all of the fraudulent accounts within the legally required four-business-day period. 
In some cases, they ignored my dispute, failed to conduct a proper investigation, or allowed previously corrected errors to reappear on my report. 
Regulatory Actions Against Credit Bureaus : I am also concerned about the recent CFPB lawsuit against XXXX for failing to properly investigate consumer disputes and the {$15.00} XXXX fine imposed on XXXX for mishandling credit disputes. 
Given these regulatory actions, I have serious concerns that the credit bureaus are not properly investigating my disputes, violating the law, and harming my financial reputation.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ) ( 1 ) 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.

I want the CFPB to publish this description on consumerfinance.gov so that
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX submitted a false lease agreement and submitted a false statement saying " XXXX XXXX is not in a position to have this removed from my credit report ''. Because XXXX XXXX was in the position to place it on my credit report. They only harass minorities by reporting a non collectable debt on the files.
Product: Credit reporting or other personal consumer reports

I have multiple unknown and unrecognized inquiries on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX for the following dates : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for any of these applications and they impacting my credit negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$6500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio recovery was disputed a month and a half ago and was deleted from my credit report, now they are back on there is was found that it did not belong to me. There was no notice to me that it was going back on there
Product: Credit reporting or other personal consumer reports

Someone has used my information to make fake ids and other forms of identification to impersonate me and fraudulently acquire a vehicle through Bridgecrest. I have no knowledge of, nor have i ever conducted any business with Bridgecrest, and I have never resided at the address listed on the fraudulent agreement.It is possible that this resulted from a data breach which allowed the person to access some of my personal information without my consent.Being falsely associated with fraudulent activity and defaulted payments on a vehicle i did not acquire has damaged my reputation both personally and professionally .It has caused significant XXXX  distress and affected my ability to secure loans and other financial products.Under the Truth in lending act ( TILA ) and FCRA I am protected against unauthorized use of my credit information. These laws mandate credit reporting agencies investigate and correct any inaccuracies and unauthorized entries due to identity theft.
Product: Debt collection

Tried to resolve issue with XXXX debt reported on my credit. They advised that I would have to speak with the original credit about reporting the incorrect amount. I forwarded them emails to correct the amount and they refused to correct the balance. They read me notes that they received a call from an employee of the property that I was not responsible for the debt, but they said that they said that they needed to get paperwork from the property. I forwarded emails to the collection company from the property showing that I did not have a balance, but they said all they can do is forward it to their accounting department. I am just trying to understand why they are trying to collect on an account that shows that I have a zero balance.
Product: Mortgage

On XX/XX/22 I received two ( 2 ) identical letters from CrossCountry Mortgage stating as a subject line : Second and final notice- please provide insurance information. I never received a first notice and I have informed delivery through USPS that confirms when letters are being delivered. I paid and subsequently submitted this information to CrossCountry when my hazard insurance renewed several months ago. Now I receive a letter/notice that they are going to force place insurance on my loan. I have resubmitted this information as of XX/XX/22 ( same date I received their letter/notice ). I am not sure why I have to continue to their job and receive threats from CrossCountry for their failure to perform their obligations under the loan agreement. This will be the fourth complaint I have filed with this mortgage company since the inception of my loan. CrossCounty is threatening me with {$4000.00} of force placed insurance when they have already been provided my XXXX  insurance XXXX page for {$410.00}.