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

On XX/XX/XXXX, the co-borrower on our mortgage account advised me that our account had been reported to the credit bureaus as 30 days delinquent and our credit files had lost nearly XXXX points. I called XXXX XXXX XXXX  ( XXXX ) to reconfirm forbearance from XX/XX/XXXX, until XX/XX/XXXX. XXXX rep, XXXX, confirmed my current forbearance and assured me the credit reporting department would fix the reporting error. Unfortunately for us, this error can cause our pending XXXX loan to be denied. We are trying to start a business to better our own financial future and now we have to deal with correcting this error due to the incompetence of the XXXX staff. This is not the first time that XXXX has made critical mistakes that could have been catastrophic for us. In XXXX of XXXX, they accidentally removed our mortgage account from the XXXX XXXX XXXX forbearance program, and we were in danger of being reported delinquent at that time. Luckily, I called XXXX and caught the error in time ( CFPB Case # XXXX ). It is hard enough for XXXX people in this country to establish themselves financially and I am beginning to think this is being done intentionally. How can this mortgage company be this inefficient and inept? XX/XX/XXXX, I received a call from XXXX rep, XXXX. He called to discuss refinance options. He had not read through my file beforehand, or he would have seen that I was just coming off of a XXXX forbearance plan and was not eligible for refinancing at that time. XXXX prematurely transferred me to XXXX XXXX who ran my credit report, simply because I showed interest in refinancing. I never agreed to have XXXX run my credit, but they did, and I lost points and gained a hard inquiry. I called XXXX that same day to have them remove it and it still has not been removed as of today. These anomalies cost consumers and it is unfair that we have to suffer through XXXX and all its XXXX XXXX XXXX XXXX  traumas, along with XXXX bungling mistakes that XXXX  obviously does not take seriously enough to make sure they read our files before making decisions. The XXXX XXXX forbearance plan is to help deal with XXXX ... not make it worse. The law protects consumers when their credit reports contain inaccurate information. Under the federal Fair Credit Reporting Act ( FCRA ), consumer reporting agencies, as well as companies that provide them with consumers data, must report accurate information and fix errors that have been disputed. If this recent error causes our XXXX loan to be denied, we will have no other choice than to take legal action against 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 reporting or other personal consumer reports

Unauthorized data appearing on my credit report is a serious issue that must be resolved. I did not consent to this information being included, and it is unjustly harming my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, XXXX is breaking the consumer law pertaining to XXXX XXXX XXXX Ive uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a fraudulent activity show up on my credit report. I reported it to Equifax and they put a freeze on my credit account. They gave me a personal PIN number only they and I would know in case I need to access my Equifax credit information and lift the Freeze in the future in case I need someone to run a credit check, etc. After confirming my information ( including my current address, number, etc ) the Equifax agent sent the letter containing my PIN and other confidential info to a PREVIOUS address I know longer resided. Someone there opened my mail ( on accident ) and screenshot the info to me. That shows me how competent Equifax is in ensuring my information is secured!! Im currently on hold after asking multiple times for a supervisor and the name of the agent who sent the letter- its now been 35minutes.
Product: Debt collection

I have never had a lease for an apartment with XXXX XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never lived at these apartments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The problem has not been fixed my two banks can't connect to see my credit report. I can't see anything past XXXX, I'm still missing XXXX, XXXX, and XXXX. Equifax just sent me a physical report which is not what I need. 


PLEASE SEE ATTACHMENT, I logged into the website on the XXXX and the data only goes back to XXXX the issue is not fixed. 

Again Banks can't pull my credit score, I need help fixing the issues. I also tried multiple credit monitoring company they can't see anything as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a lease. In the process of this I found some problems with my XXXX  report ( This issues has escalated to the point of where I filed a separate complaint to address it complaint # XXXX ). 

I tried to do an annual free credit report with Experian. Upon doing so I received an error message instructing me to call them. Upon doing so I was repeatedly sent through their automated system. This system would tell me It had resent my password and then disconnect me. After numerous attempts I was finally able to speak to a customer service representative. Over about 45 minutes on the phone they said they had reset my password and username ( although neither of these were ever the issue ). 
I was told to wait 20 minutes and then log back in. 

Upon attempting to log back in I was met with the same error message. The above process was repeated for 4 days in a row. 

On the fourth day, the representative I spoke to tried to lock me out of the system for giving " incorrect '' email address, username, and security questions. I was finally able to convince him of my identity, where in the above detailed reset process was initiated. 

On the fifth day, we went through this all over again. HOWEVER, at this time I was able to determine that someone else had been trying to access my account with a fraudulent email address and user name. Experian tried to lock me out of my account because I didn't know the name/information used on the fraudulent account. All told I have spent some where on the order of 12 hours on the phone with experian in the last 5 days and they still can not resolve the problem. 

In the end this account was listed as false and reportedly deleted. Yet, I am still unable to log in to my account nor can I access my credit report or credit information on file with experian. I am also unable to ascertain what information they have been sharing with other & illegitimate parties. I can not confirm or determine if the fraudulent account was actually deleted.
Product: Debt collection

XXXX XXXX of Delaware solutions contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse?
Product: Checking or savings account

I deposited a check into my bank of the west account on XXXX/XXXX/2022 they told me my funds would be available at midnight on XX/XX/2022 and they are not available for withdraw
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As requested or not to fully update dispute with information on the the companies im disputing and what i am disputing : According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020 I checked my Experian credit report to find an severely over due account in the amount of {$290.00} from XXXX XXXX XXXX which XXXX XXXX XXXX reported on XX/XX/2020. I called XXXX. XXXX  to dispute the amount and was told {$210.00} of the {$290.00} was for service charge and {$77.00} was due for a cable modem. This is not correct as I paid the {$210.00} in full and I still have in my possession not one, BUT TWO XXXX  cable modems which XXXX  did not pick up as promised before I moved from my prior residence. After speaking with XXXX XXXX today to dispute this erroneous overdue charge on my Experian credit report, I told the representative to document that XXXX  has charged me {$290.00} for TWO MODEMS which I am promptly returning within two days from now.
Product: Credit reporting or other personal consumer reports

XXXX is an account showing wrong late payments in my credit report .... when is not ... ... .I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Student loan

I initially borrowed {$40000.00} of private student loans with Sallie Mae, which were moved to Navient. I now owe {$72000.00} due to interest. I was in payment programs with Navient for about 10 years and have paid {$41000.00} ( I have attached my payment account history for your review ). I understand that these private student loans had a variable rate and will accrue interest. I am wondering if any payments were miscounted or were they botching payment processes. My payment plans would increase every 6 months and they were only costly repayment options causing me to live paycheck to paycheck. These payment plans weren't any assistance at all in helping me to pay off what I owed. Due to me no longer being able to afford the payment of $ XXXX a month and not seeing the balance decreasing it caused me to default on these loans. These loans went through litigation with Navient and I was told they were going to collections. I never received any notice about them being in collections. I called Navient to see about my loans and they stated they were in collections and transferred me. I spoke to a lady who was working out a payment plan for me. I told her I needed to see if I could afford the payment and give her a call back. The next day I called her and she said there was a note in my account that said my loans were no longer with her. Then I received a letter from XXXX XXXX XXXX stating they have my loans. I am now experiencing undue hardship dealing with the stress and anxiety of what these defaulted loans may do or how it could impact my family with a possible lawsuit. I am a mother raising XXXX kids, paying other bills and debt, also my vehicle is broken down so I don't have a car and I'm currently suffering from XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

The person, XXXX, XXXX XXXX XXXX, XXXX A Consumer Report Agency, has been reporting personal information that is not mine, which is causing hardship. I ask for it to be removed after verifying the account on my Consumer Report which is being furnished by a person name Westlake Portfolio Management a debt collector Westlake Portfolio Management has been using my consumer report without my consent. I disputed this matter with the consumer report agency ( XXXX, XXXX XXXX XXXX ) and they just claim to verify the account. I have no documentation of validation upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted the credit bureaus to provide me with the information that I asked for regarding an account on my credit report. Under Section 609 Disclosure to Consumers [ 15U.S.C.1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ] of the Fair Credit Reporting Act all of the information that I requested was supposed to be provided to me by the credit bureaus. They failed to do so. Under Section 611 of the Fair Credit Reporting Act if the information can not be verified then everything must be deleted immediately. Section 611 also states that they had 30 days to do this and they failed to so. I have attached the letter that I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute these accounts and inquiries because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that 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 XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently mailed dispute forms to both Equifax and XXXX  about the incorrect status of my student loans. My loans appeared to be charged off or in default but they are supposed to be in forbearance, due to an ongoing class action lawsuit. I also included the proper documentation to prove this information. Instead of updating my credit score to reflect the wrongful reporting, both Equifax and XXXX  dropped my credit score further more. Equifax dropped my score 70 points while XXXX  dropped my score 13 points. XXXX  updated my credit report and deleted the faulty reporting.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C 5536 ( A ) ( 1 ) - ( 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 Experian complies with federal law and provide consumers with the necessary proof of investigation. These are the accounts that i have marked as inaccurate Account Name : XXXX  Account Name:XXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The company has been sent multiple proof copies etc. I am unable to get access to be able to freeze unfreeze being told that I am not even in the system despite victim relief fund XXXX so no I have been working on this for years the information sent to XXXX XXXX is not meant as a complaint but showing that I can not work with them if equifax will not. Claim that I am not even in the system database which is not accurate because I have been keeping up trying to fix by deadlines given last attempt no electronic documentation. I have had to mail several times proofs and they are not working with me. The items shown and written to XXXX XXXX they are attempting to fix this issue however the information if equifax llc appears to be mixed in it is not meant to be. However equifax no. Getting worse treatment from them So not the same exactly because if I can not get equifax to work with me I can not even though writing make freeze unfreeze the credit. If XXXX XXXX needs that it is permanent because I can not work with them except through mail but I am able to freeze unfreeze the report. So if equifax will not work with me, I can not work with XXXX XXXX. The documents sent to XXXX XXXX would have been sent to equifax credit not them. So if you can between both companies please let XXXX XXXX know that it was meant for equifax but has info that may show I am putting effort into this. Equifax no.