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 confidentially 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete 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 assume maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 168 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generaiff, 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 ( i ) 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 suppose 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: Debt collection

Persolve Legal Group LLP has failed to establish that it has followed state and federal law to properly notified me that were going to sue ME prior to doing so. Furthermore, I do not recognize the debt they say I owe ; because statements and fraudulent charges can easily be manipulated to benefit the debt buyer the entire debt is being disputed. 

As a result of their unaudited practices ( nationwide ) by state and federal regulators, Persolve Legal Group LLP has filed and won ( mostly by default judgment ) hundreds of court cases here the XXXX Texas region. Soon, those judgments will materialize in garnishment of peoples income and/or a lien on their bank account - unbeknownst to them right now ( including myself ) during a Pandemic. 

PLEASE ACT AGAINST THIS COMPANY.
Product: Mortgage

I HAVE BEEN TIME AND TIME AGAIN COMPLAINING TO TRUIST ABOUT MY XXXX  XXXX, OF THE ABUSE THAT I HAVE BEEN GETTING. THAT THE XXXX XXXX NUMBER WAS NOT CORRECT. ABOUT LOANS BEING ADDED TO THE LOAN AGAINST THE EQUITY OF MY HOME WHEN I HAD NO EQUITY AT ALL, THAT PUT MY LOAN INTO A INTEREST BEAR LOAN. PAYMENTS I HAVE MADE DOWN THE YEARS WERE ADDED BACK INTO THE LOAN AS MISSED PAYMENTS ON TOP OF INTEREST. IN XXXX THE EXISTING XXXX XXXX AT A FIXED RATE WAS CHANGED TO A-ARM ADJUSTABLE FIXED RATE. I RECEIVED SOME DOCUMENTS OF A FORGED IRRRL VETERAN AFFAIRS COMMON BORROWER CERTIFICATION DATED XX/XX/XXXX AND ME SIGNING IT ON XX/XX/XXXX NOW IT IS A COMMA MARK IN FRONT OF MY NAME LIKE SOME OTHER MARKINGS WERE THERE SOMETIME BEFORE MY NAME WAS PUT ON THE LINE. AND AT THE BOTTOM OF THE CERTIFICATION DOCUMENT THE LOAN NUMBER LOOKS TO BE XXXX BUT YOU ARE SAYING IT XXXX ON THE TOP PORTION OF THE DOCUMENT AND BOTTOM OF THE OFFICIAL DOCUMENT THE XXXX LOOKS LIKE IT WAS FADED OUT. IT IS SAID THAT JUST ONE NUMBER CAN TURN A INDIVIDUAL LIFE IN ANOTHER DIRECTION. MY VA TECH PUT MY NAME INTO THE SYSTEM JUST THIS YEAR IN XXXX AND THE XXXX CAME BACK. FROM THIS XXXX DOCUMENT TO XXXX HOW IS THAT? THEN ON THE SAME DOCUMENT SAY I SIGN IT ON XX/XX/XXXX SOMETHING IS NOT RIGHT WITH THIS. IT IS SOON TO DATE A DOCUMENT XX/XX/XXXX ME SIGNING IT XX/XX/XXXX WITH AN UNIDENTIFIED MARKING BEFORE MY NAME. I WILL BE SENDING THE CFPB OF MY FINDINGS.
Product: Mortgage

They gave us an incorrect payoff, did not process the refinance payoff when funds were received on XX/XX/XXXX, charged you for the interest for their mistake, held your money up over 3 weeks, will not provide evidence or documentation of money they are keeping from you, will not answer all of your questions and you still have not gotten your full amount refunded as promised

from Freedom in writing. After being on the phone with Freedom Mortage customer service for OVER 90 minutes. My phone died. and I don't have the nerves left to call back and sit on hold. 75 % of the time I was on that call I was on hold mind you. 20 minutes just to have someone answer ... Talked to the lady for a bit, she left me on hold for another 20 minutes. She got back on the phone and was hostile with me. Asked for a manager and got put back on hold for 15 minutes. ANYWAY ... .HERE is what I think they are telling me whe
re the numbers are ... and my concerns/comments listed.

Everyone agrees I paid {$3000.00} o

n XX/XX/XXXX. They say they didn't get the titles pay off until XX/XX/XXXX - even though records shows XX/XX/XXXX ... .. So they are saying due to the 'late ' payment the funding was short {$74.00} ( If that was all we were talking about, I would get over it.. ) So that leaves {$2900.00} They had held {$270.00} for FHA insurance they paid for XX/XX/XXXX, but they are sending me a check for that. ( Great that is fine ) And then we FINALLY go
t a check today for {$2300.00} So that leaves {$270.00} ( Which happens to be the FHA insurance number -- So I should get paid that number back twice right?? ) In ADDITIONAL TO ALL THIS .... Our payoff letter stated : " The current Escrow balance is {$1600.00}. But Freedom mortgage is claiming I have {$0.00} in this fund.

In summary, I need a breakdown of where the second {$270.00} went and the {$1600.00} in escrow ( That is a total of {$1900.00} ) Please advise ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to Transunion on more than one occasion that they are reporting a collection account that does not belong to me, and yet they still continue to report it even though I sent them copies of the letters and certified receipt that I sent to XXXX XXXX XXXX asking them to provide proof which they have not, Transunion has not investigated nor sent me any proof that they have attempted to get and proof from the collection agency that this debt is mine, I have not received a letter from Transunion about this matter up to this day. I have uploaded the letter and Certified mail receipt show Transunion received my letter on XX/XX/2021 which is more than the 60 days they require to do an investigation, this derogatory remark on my credit report continues to affect me negatively and I want it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted 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
Product: Debt collection

This debt from XXXX XXXX has already been settled and paid with XXXX XXXX claiming to be from XXXX XXXX. I had received many calls, voicemails, and threats from them claiming to locate me and call my employer. They called family members harassing me about the debt. I notified them that I was not aware of it due to me moving to different home and never receiving any notification of debt owed. I was at that time pregnant with twins and spent most of time in hospital, lady I spoke to made a payment arrangement for me to pay this account with auto draft from my acct., I asked her to send me a copy of settlement and she declined and stated that once paid off they would send me something in the mail to show it was paid off. Payments were deducted from my account and nothing was mailed to me. Now Im receiving a debt collection from another debt agency claiming that I owe this account. This has already been settled, paid and closed. I attached proof of payments that I made. Please remove this collection from my credit. This account has been sold to multiple collections agencies trying to collect money from me when account has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SOC SEC # XXXX   DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXX  closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I had used XXXX phone number between XXXX and XX/XX/XXXX. I was valuable customer and paid all the bills on time. Before cancelling the service, i contacted with one of the representatives and requested to cancel my service and made sure everything was fine at that time. Then after cancelling my service, until now i have received bills to pay and now even collection company named Source Receivables Management has still been calling me to pay for the service of XX/XX/XXXX. At that time i had already cancelled my service with the company and did not even use one day of service. I tried to explain that i had already cancelled when the collection company called me but they just told me to pay money for the service I did not get. I tried to contact with XXXX company to figure out whats going on and they asked me to pay different amount of money for different duration of billing period than collection company. Therefore, I can verify that I am still receiving bills from XXXX company even though I stopped service over a year ago. This XXXX company gave my information to another debt collection company besides this one too. I have email from that company. 

Please help me figure out what is happening. 

Thank you so much for your time and consideration
Product: Debt collection

In XXXX, my information was compromised by XXXX doing their data breach. I began the process of looking for a home and to my surprise, my information was used to open multiple credit cards on the same day! I've tried over and over again to have these items removed and to have the companies to stop reporting the inaccurate information on my credit. I've called XXXX since XXXX to have them rectify the issue and received nothing but credit monitoring. They have not taken ownership for anything that has happened to me. Fast forward to XXXX, I'm still having issues. I couldn't buy a house and I can't even get an apartment in my name because they say I have ongoing debt. This is truly unfair. I'm on the verge of breaking out in tears!
Product: Mortgage

I started having issues with the mortgage company, Shellpoint, in XX/XX/2021, my mortgage had been in forbearance due to covid. An extension of the forbearance was given in XX/XX/2021 through my contact agent for my mortgage, during this time my agent had offered for me to do a loan modification with Shellpoint before my extension would end by XXXX. My agent never told me I had to pay any certain amount or that my mortgage was late. When the papers for the loan modification were sent out, I chose not to go through with the modification because I wanted to refinance with another mortgage lender, signing those papers would have been a hindrance to me refinancing and I expressed this to my contact agent, he then told me that I would have until XX/XX/2021 to make a full payment of XXXX before they would have to report my mortgage account as past due. I chose to make the full payment amount to bring my account current around XX/XX/2021 and this was suppose to bring my account current before the extension period ended. In XX/XX/2021, after I brought my account current, XXXX reported to the credit bureaus that my mortgage account was past due from XX/XX/2021, which is untrue because I had gotten an extension from my contact agent in XXXX of 2021, plus I was still making payments while in forbearance but Shellpoint was holding these payments and not applying them to my account. When I contacted Shellpoint about these credit reports, my original contact agent all of sudden became unavailable and I have not spoken with him since the loan modification inquiry, instead I spoke with another agent who did not know why Shellpoint was reporting my loan late because it was paid up and in good standing and this particular agent said she would sent a note to their reporting department about my issue. Shellpoint in XX/XX/2021 yet again began reporting the account as current and then reporting the account as late in multiple reports, ruining my credit, and I have reason to believe they are doing this in an attempt to ruin my credit so that I am not able to refinance, my score went from XXXX to XXXX because of their false reporting, and leave them to go to another lender. None of these negative reports started until I expressed to my original contact agent that I was not going to sign a loan modification and that I wanted to refinance with another lender outside of Shellpoint. In XX/XX/2021, I had spoken with a supervisor at Shellpoint who advised me to make this complaint with the consumer financial protection bureau and with Shellpoint 's own complaint department. When I spoke to this same supervisor, she also told me that other people were calling about the same issue, so this seems like a practice that they frequently do to people.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE INQUIRIES IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote about correcting my address and removing alias names and incorrect addresses from my report. 
Please can someone help me. Remove the incorrect info from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not understanding why this collection is still on my XXXX report! Midwest has said three times they sent a request to remove yet it is still on my report. See their below responnse : We have followed our dispute policy and have n't had any further communication with the consumer. No future follow up is planned. Our dispute policy is once we have received a dispute we immediately stop all collection efforts and send a record of dispute to all three credit reporting agencies. Then we request validation of the debt from our client and once that is received we forward that on to the consumer for review. If validation is unobtainable then we immediately send a record for deletion to all three credit reporting agencies and then close and return the account to our client. Additionally, in this instance a record for deletion has been sent to all three credit reporting agencies. 

I want this fraud trade removed from XXXX ASAP or I will seek damages as allowed under the FCRA.
Product: Vehicle loan or lease

On XX/XX/XXXX, I executed a vehicle trade agreement with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NC. I traded in a XXXX XXXX XXXX for a new XXXX XXXX XXXX. XXXX agreed to payoff the existing lease that I had on the XXXX XXXX XXXX through US Bank as part of the transaction. A new lease was established with another lender for the XXXX XXXX XXXX. 

On XX/XX/XXXX I noticed that the auto-payment for the XXXX XXXX was deducted from my checking account by US Bank XXXX I assumed that there might just be a delay in processing the payoff. 

On XX/XX/XXXX, I checked the US Bank website and noticed that they account was still open and active. I called US Bank to inquire about this and was informed that a check had been received but not yet been credited to my account. US Bank stated that there were " missing documents '' and that there was a " discrepancy '' in the payoff amount. I asked for more detail regarding the missing documents and the payoff discrepancy and the agent was unable to provide. The agent promised to follow-up on my questions and return my call with more information. 

When I did not hear back, I called US Bank again on XX/XX/XXXX. Again- the agent I spoke with was unable to provide specific details regarding the issues preventing US Bank from applying the check they had received to my account. Again, the agent promised to follow-up on my behalf and return my call with more information. 

On XX/XX/XXXX I had still not received any follow-up communication. I called US Bank again - this time spending 59 minutes on the call - being transferred through various departments. I spoke with 4 employees that evening - none of whom could tell me what was preventing US Bank from applying the check that had been received to pay off my account. I was advised that I needed to continue making payments on the lease - the next payment due on XX/XX/XXXX. I was further advised that the dealership needed to call US Bank to be told what the outstanding issues were. 

On XX/XX/XXXX I contacted the Finance Manager at XXXX XXXX. XXXX, the Finance Manager, assured me that everything had been submitted appropriately - but that he would again, on that day, resubmit all of the requirement paperwork by fax to US Bank. 

On XX/XX/XXXX I contacted US Bank again to determine if the account had been closed. I was informed that there were still issues with " missing paperwork '' and a " discrepancy '' in the payoff amount and that the dealer needed to contact US Bank for more information. 

On XX/XX/XXXX I contacted XXXX XXXX and left a voicemail with XXXX, the Finance Manager, to notify him of my concern that the issue has not been resolved. 

As of the time of this complaint, I have not received a response from XXXX. My XXXX, XXXX lease payment to US Bank is now 3 days past due. I can not afford to continue making monthly payments to US Bank for a vehicle that I am no longer in possession of. I am unclear who is ultimately responsible at this point - XXXX or US Bank.. but I know for sure that it should not be me who is responsible as I have an executed agreement with XXXX agreeing to payoff the XXXX vehicle. Please help!!
Product: Credit reporting or other personal consumer reports

I sent disputes letters to XXXX, XXXX, and Equifax. Theres several inaccurate account on all three credit bureaus which I sent on XX/XX/year> Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of of the consumer of who relates I asked the account to be updated, and corrected
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I discovered inaccuracies that require immediate attention. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the three major credit bureaus are obligated to verify the accuracy of the listed accounts. If supporting documentation can not be provided within the legally mandated timeframe, the reporting of such unverified information is not permitted. I request a thorough investigation and necessary corrections for the following accounts appearing on my credit report. 
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

Subject : Formal Complaint Against Equifax Failure to Conduct a Proper Investigation and Provide Verification of Disputes To Whom It May Concern, I am filing a formal complaint against Equifax Information Services LLC for their repeated failure to properly investigate and resolve disputes regarding inaccurate information on my credit report. Their handling of my case has been delayed, non-transparent, and in violation of the Fair Credit Reporting Act ( FCRA ), despite my compliance with their documentation requests. 

Background : XX/XX/2025 : I submitted my first round of disputes to Equifax. 
Due to XXXX failure to conduct a proper investigation, I had to escalate my case to the Consumer Financial Protection Bureau ( CFPB ) to compel Equifax to take action. 
XX/XX/2025 : I submitted a second round of disputes after continued delays and inadequate responses from Equifax. 
To this day, Equifax has not provided a detailed explanation of their investigation methods or how they verified disputed items. 

My Complaints Against Equifax : 1. Failure to Conduct a Proper Investigation I have provided all required documentation multiple times, yet Equifax has failed to correct inaccurate information or provide any meaningful verification details. 
2. Lack of Transparency I demand that Equifax send a detailed written response to my mailing address, explaining : How they investigated each disputed item What evidence they reviewed The specific entities they contacted for verification 3. Repeated and Unnecessary Documentation Requests Equifax continues to reject valid documents without clear justification. Other agencies have accepted the same documents and processed my disputes, but Equifax is delaying my case without reason. 
4. FCRA Violation & Consumer Rights Violation The Fair Credit Reporting Act ( FCRA ) requires Equifax to conduct a fair and timely investigation. Their continued delays, lack of transparency, and failure to properly verify disputed accounts indicate clear non-compliance.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EXPERIAN for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00}. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.