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

not mine FCRA violations you should know law if you get ti look at it :!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 


see attachments for proof of violations and evidence XXXX XXXX XXXX {$52000.00} Closed 35 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount {$52000.00} {$60000.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$13000.00} {$16000.00} XXXX XXXX {$11000.00} Closed 29 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$11000.00} {$11000.00} attachments will show all you need to get it right see Equifax
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. 


Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 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.
Product: Credit card or prepaid card

Sears Citi Mastercard : Fraudulent charges : XX/XX/XXXX. XXXX XXXX XXXX XXXX {$240.00} ( reference Number : XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX {$8.00} ( ref. # XXXX ) XX/XX/XXXX. XXXX XXXX XXXX XXXX {$13.00} I 've called Customer Service, transferred to Security. No action were taken about the above charges other than send me a new card. I 've seen a higher minimum payment and I continue to pay for these fraudulent charges I did not incurred.
Product: Payday loan, title loan, or personal loan

This is what they texted to me : Congratulations, Hey, This is XXXX XXXX from the Lending Tree. Your loan application has been successfully approved up-to {$10000.00}. Your loan approval id - XXXX - XXXX LENDING TREE. 

-No upfront hidden fees! 
-No hidden charges. 
-Easy Installment.

If you still interested just reply Yes or call us back on Number. 

+ XXXX ( XXXX ) XXXX Kind Regards XXXX XXXX Extension : XXXX Lending Tree.
Product: Mortgage

The MrCooper ( FKA Nationstar Mortgage ) website has been a real problem for the last few months. I have been trying to use it to submit another Covid 19 pandemic relief mortgage forbearance request covering XXXX and XXXX of 2021. However, there is absolutely no way for me to get through their " wrong password '' and other attempts to log on. 

The last time I was logged on to MrCooper.com, there were no tabs or areas the consumer could use to submit a mortgage forebearance request. Instead, I had to use their " contact us '' button to manually type out in the mortgage payment forbearance request in my own words. Then I somehow got logged out and must have used the wrong password guess a few times after getting logged out. Going through all the various hoops for setting a new password, the new password ultimately obtained did not work to open their portal. 

Finally, on XX/XX/2021 I used regular USPS Priority Mail to send them the mortgage payment forbearance request, for which I have a tracking number. 

This is a concern because there is no telling how many homeowners are being cheated out of their rights by this company 's website failing to work properly.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

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 have violated my rights. 


I looked at my Equifax credit report in XXXX of 2024, and noticed some things are incomplete and not accurate. I disputed the accuracy of these accounts several times and Equifax has shown me no proof of validation. 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

I filed for bankruptcy in XXXX XXXX it was dimsd/closed chXXXX. Then in XXXX XXXX chapter XXXX was filed but I was determined to keep my home and did not pursue the bankruptcy. 
XXXX credit bureaus XXXX and XXXX have reviewed the Bankruptcy cases and removed them from my credit. Equifax has not removed them from my credit. i have disputed 4 times with them.
Product: Credit reporting or other personal consumer reports

XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX XXXX XXXX, Apt XXXX, XXXX, Texas There should only be XXXX address in my report, which is : XXXX XXXX XXXX, XXXX  XXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only XXXX correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX The only job I need listed is : C.E.O of XXXX XXXX XXXX, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and XXXX XXXX  several times that I live in CA and someone established a mortgage in XXXX. After much research, it appears XXXX had the mortgage first and then XXXX XXXX had second This is not my debt please remove it from my credit report. Or provide proof with my wet signature that it is my debt
Product: Credit card

This is regarding dispute transaction ID XXXX, a claim that was wrongfully denied in the letter written on XX/XX/year> ( see attached ). I reported a transaction that was duplicated for which the merchant refused to refund the amount for a double purchase. This was disputed with my credit card company, explaining the refusal of the merchant to make refunds for a double purchase of the same trip and the same period. I was surprised that my claimed was denied for some unfounded reason that VISA requires specific information from the cardholder for the bank to file a dispute. This makes no sense to me as I did provide all the information I knew, wondering exactly what they were asking for to meet this absurd requirement.
Product: Debt collection

I contacted the original creditor several times and asked them. why I owed the {$50.00} dollars balance. at the time of visit I pay them {$50.00} dollars copay and my insurance paid them for the rest. I contacted my insurance company regarding this bill and I was told they got paid what XXXX eligible. this collection company has been calling me and trying to collect what I do not own. I told them stop calling me and they continue calling me and harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ON THIS REPORT DO NOT BELONG TO ME THEY WERE OPEN FRAUDULENTLY USING MY SOCIAL SECURITY NUMBER AND ID I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea how they got there. I checked my report as I normally do, but this time, there were discrepancies that came out of nowhere. I even refreshed my browser to rule out a glitch, but the unauthorized inquiries remained. I need the documents Ive submitted to be carefully reviewed so that I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently pulled my XXXX  and XXXX  credit report and i notice XXXX XXXX is reporting a failed payment or FP for the month of XX/XX/2013 on my XXXX  credit report but when i looked at my XXXX  credit report it clearly shows where it says " Date of last payment '' it shows XX/XX/2013 this leads me to believe that the entire payment history is being reported wrong. This account is closed and charged off and is having a negative impact on my credit score. Also XXXX XXXX has the wrong account number on both credit reports XXXX is showing account # XXXX and XXXX is showing # XXXX I was just recently turned down for a mortgage because of this inaccurate tradeline. I want XXXX XXXX to show proof i made a payment on XX/XX/2013 because it clearly states i did with XXXX  if they cant provide me proof. I want this inaccurate account deleted form a 3 credit reporting agencies XXXX, XXXX, XXXX XXXX.
Product: Mortgage

I was dealing with Pacific Union ( my current lender ) on a refinance, but the original lender who did loan to help me buy the home offered a better deal so I decided to go with them for my refinance. The only caveat was that Pacific Union was offering {$0.00} to close because they were netting my escrow balance toward my payoff amount. When we tried to get a copy of the netted payoff for my other lender to use, I was told by multiple employees on multiple calls that they were sending it but it never came. Finally I got a manager on and they said they never send these and absolutely refused to cooperate. The escrow funds are XXXX % my money, not theirs and they have no right to discriminate in using it to reduce their internal payoff ONLY if they are doing the loan. I need you to please contact them and push them to send the net funded payoff to my fax at XXXX to help me get my transaction closed ASAP. They are putting me in a position where I am risking getting a 30 day late. Thank you for your help.
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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.
Product: Credit reporting or other personal consumer reports

I have hard credit inquiries that should not exist because they do not have my consent : XXXX. XXXX / XXXX XXXX XX/XX/XXXX - XXXX and experian XXXX. XXXX XXXX XX/XX/XXXX - Experian XXXX. XXXX ( finance ) XX/XX/XXXX - XXXX
Product: Debt collection

I received a notice from Medical Data Systems a medical debt collection after it was already being reported to all three major credit reporting entities. I requested validation of this debt by mail, never received a reaponse, yet it is being reported. Medical Data Systems stopped sending notices as well, but still continues to report the debt.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX XXXXXXXX accidentally overcharged my BJ 's Mastercard {$80.00} instead of the agreed rate of {$20.00}. They apologized and issued a credit of {$60.00} on XX/XX/XXXX at XXXX XXXX The reference # for the credit is XXXX. 
The credit never appeared on my Mastercard so I filed a dispute with Comenity Bank ( Bread Financial ) who is the issuer of the BJ 's Mastercard. Comenity did not apply a temporary credit until the dispute is resolved as they had promised. Now they are saying that they have closed the dispute since 60 Days have passed. I do not want the XXXX XXXX XXXX to be charged a charge back fee when they have already provided Comenity Bank proof of the credit that they applied to my Mastercard. Each time I call Comenity Bank ; they will not let me speak to a supervisor. They tell me that the credit will appear on my Mastercard account in 7 - 10 business days but it never appears. I am very concerned because BJ 's XXXX XXXX is fed up with Comenity Bank and is switching to XXXX  XXXX on XX/XX/XXXX. I am living off of a very small Social Security benefit and can not afford to lose {$60.00}.
Product: Debt collection

Security credit services took debt from XXXX XXXX, an insitute I was making regular payments to. They never reported my payments and never notified me of a transfer of debt collector. Nothing was ever sent written in mail just showed up on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting or other personal consumer reports

I am following a plane against Equifax for failing to properly investigate my disputes regarding an accuracy 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 e Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of my disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( XXXX XXXX. XXXX ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Without my written consent, Navy Federal has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$1600.00} and further extort me and cause harm to my credit reputation. Navy Federal has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Navy Federal any written instructions to furnish any information to my consumer report. Navy Federal has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Navy Federal has failed to clarify or correct these billing errors. Navy Federal has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Navy Federal has chosen to punish me for nonrepayment of this extension of credit by closing my account. Navy Federal is not in compliance with 15 USC 1692e. Navy Federal has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to zero further reflecting a XXXX balance owed.
Product: Mortgage

I sent back paperwork to have my loan modified due to a forbearance for XXXX. It hasn't been done. I need this done to be able to get the " late '' notices stopped, make normal payments online, have my escrow reconciled and get a credit back for my taxes XXXX. 
I sent this paperwork back to XXXX on XX/XX/21. I sent it back to XXXX in the envelope provided me by her via XXXX. I don't have my original documentation anymore, due to this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience.

I previously disputed accounts and late payments The issue is that the information about this account is wrong.

On top of that, your response didnt explain much. I didnt get any proof or details about how you verified the account. And this is hurting my ability to get a home for my family!

Heres what Im asking for : Do a proper investigation as REQUIRED by law. 
Remove the incorrect account or information from my credit report if the company cant verify it. 
Send me clear results showing exactly what you did to verify this account and share any proof you used.

Dont let this account come back on my report unless you can prove its accurate and give me written notice first.

Im asking you to resolve this within 15 days, as required by the Fair Credit Reporting Act. If this isnt fixed, Ill have no choice but to file a complaint with the CFPB and take further action to protect my rights. 
Thank you for handling this quickly. I look forward to hearing from you soon.