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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scammed by Citibank with their checking account promotion bonus. I opened XXXX checking account with Citi bank on XX/XX/2022, and qualified for the bonus program by depositing {$75000.00} into the account. The promotional {$1000.00} should be deposited into my account in XXXX. However, its been XXXX months and I am still waiting. A lot of people are having the same issues as myself. It's unacceptable that a nationwide bank franchise won't honor their legal terms. The rating agency should downgrade Citibank as apparently this kind of behavior incurs loss of credit. I would like to request your urgent investigation into this issue.
Product: Student loan

Last year i was paying {$150.00} dollars. This year I received a letter saying that I owed XXXX..I called fedloan and iinquired about the loan and they were not helping me so. I called the Department of education ask if they would change my loan handling service because l Was not please with Fedloan service. After few days i tried calling Fedloan Service again. I think the young lady name was XXXX that talked with. She was really nice and she informed me that my loan was reduced to {$320.00} dollars ahe also told the I had made 28 payments towards my public service forgiveness loan. Today I received a letter and the statement looked like i have not paid anything. It also stated that the final payment is in 2027 which would be Ten more years. My XXXX XXXX is up and i am now stress out. Could someone please help me and give me a new loan service before this one put in hospital and i want be able to Pay anything. I have always tried to pay my loans off and on time. Your help would be greatly appreciated
Product: Debt collection

In XXXX alone this year, they have tried calling me 8 times despite me having the number blocked and have called me at least 5 times per month since XXXX of 2022.
Product: Mortgage

Selene Finance was called XXXX XX/XX/XXXX @ XXXX Spoke to XXXX Who ensured me that Property Insurance for XXXX XXXX was being supplied by Selene. I stated to XXXX that I have been paying Insurance for the property, which is in my name since XXXX. Selene has verified my active insurance on the property 3 times. And I have received letter notice from my insurance company of their verification/ wanting to be added to my insurance. XXXX stated that there was no update in the system to remove insurance fees supplied by Selene. XXXX transferred me to Insurance Dept. I spoke to XXXX who asked to speak with XXXX XXXX. I stated to XXXX that XXXX XXXX is deceased and all her information has been in system going on 3 years now. XXXX stated there was no information in her system for XXXX XXXX that she would have to transfer me back to customer service to resubmit 2 years of information of XXXX XXXX. I got transferred back, was on hold for 10 minutes, then the call drops. 

I have an active HAF application pending. Selene is charging me foreclosure related fees that are affecting my eligibility for HAF funding while under HAF State Protection Law. Model Language prohibits Selene from proceeding with any foreclosure activity for 60days after receiving notice from the State when HAF Administers that I am conditionally eligible for HAF and have a pending application. 

Selene stated to HAF Underwriters that the reinstatement balance is {$76000.00} ( Attorney Fees included )
Product: Credit card

Capital One card had a conventional method where I would receive monthly statement for a 30-day billing cycle with a payment due date. Generally, I incurred interest for the portion of the statement balance I did not pay by the due date. In the statement that I received on XX/XX/XXXX ( Billing Cycle XX/XX/2023 to XX/XX/2023 ), I had a rollover balance of {$400.00} and a new transaction balance of {$4500.00}, for purchases made during the billing cycle. The statement 's due date was XX/XX/2023. I paid the balance in full by the statement due date. However, I was charged {$82.00} of interest for the XX/XX/XXXX statement. This interest is way higher than the expected interest for the rollover balance of {$400.00} based on account APR. I reached out to customer service and explained my concern to multiple representatives from management. They failed to explain the charge calculation and changed their method 2-3 times. After failing to provide a clear justification they hung up. To my surprise, CapitalOne again charged me an interest of {$80.00} despite having a {$0.00} balance in the account. I called and spoke to another supervisor who again failed to provide a comprehensible explanation for having a monthly statement with {$80.00} interest with no transaction/balance. CapitalOne has unusual interest charge practices that dont align with fair business practices and thus I decided to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance  {$0.00} XXXX XXXXBalance  {$0.00} XXXXBalance  {$0.00}
Product: Credit reporting or other personal consumer reports

Dear CREDIT REPORTING AGENCY RE : UPDATED & VERIFIED ACCOUNTS TO YOUR COMPANY, I HAVE RECEIVED THE REINVESTIGATION DISPUTE RESULTS FOR MY VERY SPECIFIC AND DETAILED DISPUTE I SENT TO YOUR COMPANY WITH SUPPORTING DOCUMENTATION THROUGH THE CFPB TO DELETE THESE ACCOUNTS, BUT THE ACCOUNTS WERE STILL UPDATED AND VERIFIED AS ACCURATE. YOU WERE REQUIRED TO CONDUCT A REASONABLE INVESTIGATION, BUT THIS DID NOT HAPPEN, AS YOU FAILED TO DO ONE.

SEND ME A DESCRIPTION OF YOUR REINVESTIGATION PROCEDURES FOR EACH INDIVIUAL ACCOUNT LISTED BELOW. IF YOU CAN NOT GIVE ME THE DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT WITHIN 15 DAYS, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. 
1. DELETE : ( XXXX XXXX ) ( ( UPDATE PAYMENT HISTORY FOR XX/XX/scrub> 2024 TO PAID ON TIME, NEVER LATE, PAID AS AGREED 1. PAID AS AGREED, PAID ON TIME, NEVER LATE/UPDATE : ( XXXXXX/XX/XXXX) ) ( I OBJECT TO ANOTHER REINVESTIGATION ) I REFUSE ANOTHER REINVESTIGATION ) YOU HAVE 15 DAYS TO RESPOND TO THIS LETTER WITH THE INFORMATION REQUESTED
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to a new State ( GA ) and went into Steinmart to make a cash purchase. The cashier convinced me to open a credit card to get a promotional deal and advised me to pay it off after the first bill if I don't need it. I submitted my temporary address and my permanent address, where the statement was supposed to be mailed. Steinmart mailed the Statement to the wrong address so I never received it. I finally went to the store location to pay it off and was told that they were mailing to the wrong mailing address. Immediately paid the balance in store and closed the account. This was an error on Steinmarts part.
Product: Consumer Loan

After leasing a vehicle from Toyota, I traded the leased vehicle for another vehicle again purchased from Toyota. As part of the negotiations, the sales person agreed to handle all costs related to the return of the leased vehicle, and took ownership of the vehicle during the purchase process. I was promised that no further charges would be incurred from the leased vehicle, and had no control of the vehicle after it was traded in for the new vehicle. Almost a year after the purchase, I received a call from a debt collector for additional charges, for approximately {$400.00}, claiming to represent Toyota. After contacting the sales person regarding the agreement we had made, he claims that all charges were completed. He has washed his hands of the matter, suggesting I contact the debt collector. After no contact for nearly a year, suddenly Toyota Financial claims I owe them this debt, and has turned the matter over to a collection agency. I assume they are damaging my credit rating. I have completed my part in the purchase agreement, in fact overpaying for the vehicle I received, but the Toyota dealership and Toyota Financial are colluding to extort additional funds from me with threats to damage my credit rating as they hide behind a third party, who now also seems to claim rights to my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me..Failure to demonstrate proper evidence requires that you eradicate all of these following untimely, untrue, incorrect, deficient of permissible purpose and not compliant allegation accounts XXXX XXXX XXXX , XXXX , XXXX  XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

On XX/XX/XXXX, I spoke to XXXX XXXX of Grogan Law Group of XXXX, NJ to set up a payment plan for my debt. She used a disrespectful tone, even after I had requested that I was fairly trying to pay what was owed and finding the best way possible. Her language was accusatory and demeaning. On XX/XX/XXXX when trying to make a payment, I spoke to a representative who frequently cut me off when I requested information and raised his voice in a demeaning manner. Before I could ask another question, he hung up as soon as the payment processed. In addition to this, I receive no receipts, only confirmation numbers. The initial summons was sent to an address that I was associated with but was not my legal residence. The debt that they were trying to collect was not associated with this address, therefore, I did not receive the summons and lost the lawsuit by default.
Product: Credit reporting or other personal consumer reports

I became a victim of identity theft after my wallet and phone were stolen. The thief used my personal information to open unauthorized bank accounts in my name. Upon discovering this, I filed an identity theft report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. 

Additionally, I believe ChexSystems has accessed and furnished my personal data without proper authorization, which has further compounded the issues caused by this identity theft. I request that your company investigate this matter thoroughly, address any inaccuracies in my records, and provide documentation regarding the use of my personal information.
Product: Credit card

This account is in my credit and it does not belong to me. The company can not find an account with my social security number. It does not belong to me so they can not give out any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$150.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent out a Copple of letters The Credit bureaus stated XXXX XXXX  : Account # : XXXX, XXXX Account # : XXXXXXXX XXXX : Account # XXXX XXXXXXXX XXXX  : Account # : XXXX, XXXX XXXX  : Account # XXXX, XXXX : Account # : XXXX, XXXX : Account # : XXXX, XXXX XXXX  : Account # : XXXX. 
Was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is grounds for removal. 

They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given this account written permission to furnish this account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Item on my credit report are appearing as duplicate. I have filed 2 disputes and they both have come back as updated. 
XXXX XXXX XXXX {$1200.00} XXXX this has been transferred to DEPT OF EDXXXX XXXX on XX/XX/2022 XXXX XXXX XXXXXXXX {$2500.00} XXXX this has been transferred to DEPT OF EDXXXX XXXX XX/XX/2022 2022
Product: Consumer Loan

I paid off my car they kept deducting payments from my checking account. They then sent me a refund check and then put a stop payment on the check fifth third bank buyer beware
Product: Mortgage

In XXXX of XXXX, our loan was transferred to Penny Mac from XXXXXXXX XXXX XXXX  ( I loved XXXX and I miss them greatly ). Prior to transferring to Penny Mac we were on a bimonthly payment schedule. We were told we would be able to continue that with Penny Mac ( that was a lie ). When we switched over to Penny Mac one of our payments was credited as a principal reduction and not a payment so from XX/XX/XXXX through XX/XX/XXXX, we were in an argument with Penny Mac where we had to go back and forth to the point where I had to print out our entire bank account for 2 years to show them all of the payments. They finally credited the payments correctly. We were told we could do bimonthly payments, nope we could not because they said we missed it by not signing up on the XXXX of XXXX and the same in XXXX. So for XXXX and XXXX we sent them payments every 2 weeks. In XX/XX/XXXX particularly we sent 3 payments except one payment they credited to a principal reduction although we indicated it was a half payment. From XX/XX/XXXX until XX/XX/XXXX, we have tried to get Penny Mac to redistribute that money correctly. We stopped sending payments every 2 weeks, we now send 1 payment a month but during the time PennyMac was working to recredit our account, they sent us to collections, charged us late fees, and knocked our credit scores down by 100 POINTS! We were never late. They got both their XXXX and XXXX payments before the XXXX of the month! Here we are with {$110.00} in late fees ( which I'm not paying because it's their fault ) and my credit score sucks. I hate this mortgage company, I want to go back to XXXX and they won't let me. They keep saying I need to refinance but I never asked to be with Penny Mac. I hope everyone stays far away from their XXXX  company. And to find out one of their employees told me their system stopped crediting accounts properly when they got a new accounting system that they created on their own but didn't know their own blind spots and since going live they have been back dated with thousands of accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a security freeze on my accounts for a long time. I needed to get it off because my husband and I are in the process of buying our first home. The other two companies gave me no problem in removing my security freeze. Initially Experian, I tried doing it online and it did not recognize me. I set up a new account and Experian recognized me but told me that I had to send information in by mail to end the security freeze. This was over three weeks ago. I mailed the information in. Then, a couple of weeks later, I got a letter saying that they could not take the freeze off. I did not worry about it because the mortgage company was able to look at the other reports and was able to see my husband 's credit history on all three bureaus and there are no issues with any of our credit. Except they could not see my Experian account. Today, the mortgage company is telling me that I need to get it unfrozen again. I have tried every phone number that I can find for Experian and the phone tree does not work then it hangs up on me. This has happened over and over. I am at a loss of what to do next. Please take note that this is very frustrating and leaves me hopeless as to what I can do. I am currently at my office and do not have a copy of the letter sent back to me. I also do not have a copy of the information that I sent them three weeks ago at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open an account with XXXX XXXX Bank of New Jersey back on XX/XX/2018, it was reporting to Equifax for a few months then stopped. I have contacted the company which they stated that they have been reporting to the credit bureaus every month but the bureau is not listing this account & my payment history. I have called & they tell me to contact the furnisher of the information ask to have the account reinserted which I have done over five times.
Product: Mortgage

Nationstar Mortgage has completely outsourced their servicing to a foreign country where it is nearly impossible to understand their representatives, where errors occur on applied payments on a monthly basis, and even the simplest adjustments are not implemented after months and dozens of phone calls. I have been trying to pre-pay my mortgage up to six months in advance, according to the terms of my mortgage ( which Nationstar purchased ) and have not successfully managed to do so. They misapply my mortgage payment every month and still have not corrected misapplied payments after dozens of days calling and waiting on hold. They should not be endowed with any fiduciary trust within XXXX law whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX {$610.00} XXXX {$620.00} CB XXXX {$650.00} XXXX {$620.00} XXXX {$610.00} XXXX {$24000.00} XXXX {$480.00} XXXX {$620.00}
Product: Mortgage

Wrongful Foreclosure, Unlawful Detainer and not including all documents in a Qualified Written Report request. So I could ascertain any and all issues. The attachments are everything I received in my QWR packet which I requested on XXXX XXXX XXXX. The report was run on XXXX XXXX and the DEED of TRUST was not signed over until XXXX XXXX XXXX on XX/XX/XXXX Also Banking Branch and Trust Co. did not have the Assignment of Deed of Trust until XXXX XXXX XXXX after the foreclosure process had been started. That is just a few issues I found once everything was done. There was nothing in the QWR about my REFI i did in XX/XX/XXXX but according to Banking Branch and Trust they already owned the debt. That is not everything but that is just some of the main points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a XXXX XXXX XXXX  account with all three credit report agencies. I keep telling them that the account is negatively affecting my credit and should be removed from my credit report because it is over 7 years old. The amount of time that a negative items remains on your credit report is 7 years but they just verified with XXXX XXXX XXXX that the account is valid then closes out the dispute. When what should do is look at the date on the account to see if it should be cleared from my credit report due to age not validity of the account. It needs to be removed because it was charged off over 7 years ago.