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

In accordance to the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX Balance {$28000.00}, XXXX XXXX XXXX XXXX Balance {$14000.00} has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 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

It has been brought to my attention that you are not removing inquiries when theyre sent with an FTC report with reference number XXXX. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following inquiries listed below which are reporting inaccurately due to erroneous credit report entries, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law I also attached here a new FTC report with reference number XXXX. Please remove the following inquiries as they are unauthorized & were opened without my consent or knowledge : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you claim these inquiries are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these inquiries which bear my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an erroneous credit report entry. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these negative accounts and inquires need to be removed immediately
Product: Consumer Loan

Harassment/abuse I receive on average 8-10 calls per day from Conns trying to collect a payment from me. I have asked them to quit calling but I have had no luck. I blocked their number and that worked for awhile but then they started calling from different phone numbers
Product: Debt collection

On XX/XX/2017 I was transported via ambulance ( XXXX XXXX, Incident # XXXX ) from XXXX XXXX in XXXX where I was working and had an accident, to XXXX Hospital in XXXX, Ca. This is a workman 's comp issue and I have been receiving bills ever since even though I have forwarded the bill to my attorney 's, XXXX XXXX directly and XXXX XXXX Insurance. I have not been turned in to collection and it has affected my credit score. This is not my bill. My attorney 's say they are forwarding it to the XXXX Administrator but it is not getting paid. 
XXXX XXXX XXXX, XXXX is now trying to collect this debt which should not be my responsibility. I do not consent to this debt as my responsibility or that it has been turned into a debt collector. 
My credit has decreased 13 points in the last few weeks and I do not consent to this occurring. My employer / XXXX XXXX XXXX XXXX ; my attorney 's / XXXX 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 XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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, credit repair services, or other personal consumer reports

I have tired to place a security freeze with Sage Stream! I was unaware that this entity, has & shares information about me with other entities. I reached out to this company to No avail! Ive mailed them the documents from their site requested to implement the security freeze, on top of calling number ours times durning their schedules business hours without any success of reaching them. Theyre recording states theyll contact you back within 24 hours and that hasnt happened either. This company I feel is a fraudulently company has access to my personals information/ identity without my consent or prior knowledge and I dont give them permission to share any information they have of mines against my wishes. Furthermore the information i believe they have isnt accurate! This company needs to freeze and or delete whatever information they have of mines and let me know that is been done.
Product: Debt collection

Subject : Request for Immediate Removal of Wrongfully Associated Debt due to identity theft. 

I am writing to formally address a serious concern regarding my rental lease agreement, which I believe has wrongfully violated my renters ' rights. It has come to my attention that a debt of ( {$320.00} ) has been inaccurately applied to my credit report twice and my profile, which is not owed by me and is incorrectly associated with my name. Please take notice that this company reported this same issue twice. Which is very disappointing and frustrating with credit score, This situation not only misrepresents my financial obligations but also constitutes a violation of my consumer and credit rights. Such inaccuracies can have detrimental effects on my credit score and overall financial standing. 

I kindly request the immediate removal of both of this erroneous debt from my credit report to prevent any further impact on my creditworthiness. I appreciate your prompt attention to this matter and look forward to your swift resolution. 

Thank you for your understanding. 

Sincerely, XXXX XXXX
Product: Credit card

A credit card was applied for using my information that I didn't apply for with JPMCB
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Accounts being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

I have several addressed listed on my credit report that is inaccurate, I live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have attached my driver license to show my address.Please remove all of the following addresses from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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

The mortgage servicer SN Servicing Corporation has denied the review of Mortgage Assistance for XXXX XXXX XXXX. 

2 ) SN Servicing Corporation states that investor will not review XXXX XXXX XXXX for any loss mitigation assistance. However, no reason or written statement has been provided detailing the specific reason nor has any evidence been provided from Servicer, SN Servicing Corporation, that the note owner has approved this course of action. 

3 ) SN Servicing Corporation stated that they would attempt to provide assistance and review any Loss Mitigation Assistance options to prevent foreclosure. 

4 ) Despite being provided with an Offer to purchase property at fair market value, SN Servicing Corporation has instead set a sale date of XX/XX/XXXX. SN Servicing Corporation plans on proceeding with the foreclosure sale, rather than review our application for offer to purchase. 

5 ) The actions of SN Servicing Corporation are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, SN Servicing Corporation violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX by not accepting said XXXX application. 

6 ) SN Servicing Corporation violates the Governors Executive Order No. 20-04-03-01, this order remains in effect until the state of emergency is terminated and the health emergency rescinded. 

7 ) SN Servicing Corporation practices violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules effective XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and TransUnion by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) XXXX XXXX Account XXXX XXXXXXXX ( a ) ( 1 ) ( a ) XXXX is reporting duplicate account entries. 1575 1681s2. Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting or other personal consumer reports

REMOVE FRAUDULENT UNAUTHORIZED INQUIRES. 
XXXX FRAUDULENT UNAUTHORIZED INQUIRES : XXXX XXXX XXXXXXXX ( BANK ) XX/XX/XXXX XXXX XXXX  ( BANK ) XX/XX/XXXX XXXX FRAUDULENT UNAUTHORIZED INQUIRES : XXXX XX/XX/XXXX EXPERIAN FRAUDULENT XXXX INQUIRIES : XXXX XX/XX/XXXX
Product: Mortgage

In XXXX XXXX, my Grandfather passed away. Leaving a mortgage held by Ocwen Loan Servicing. Family members were unaware of this mortgage. Last payment was made on this account in XXXX XXXX. When my mother became aware of the debt she contacted Ocwen, explained the situation, and over the course of the next few years she applied for a modification at least 4 times. Each time the application was denied for various technicalities. Also during this period, Ocwen refused to accept payments. My brother attempted the modification process with Ocwen as well, he too was denied. Finally, i began working with Ocwen around XXXX to try to resolve the matter. My credit score and resources are sufficient to go purchase a home on the open market, so I presumed that this should be satisfactory to Ocwen as I sought to assume responsibility for this mortgage on property that has been in my family for 4 generations now.
I was denied twice. Once for paperwork. A " family transfer '' document was required. Interestingly, in all of the previous processes that I and my family members went through, this document was never presented.
I was denied a second time, and the reason was not given. I simply " did not meet requirements '' I inquired about the possibility of a short sale, and Ocwen indicated that any short sale would need to equal no less than approx. 70K ... While the principal bal is only XXXX, and the total bal XXXX with all the taxes fees, foreclosure fees they have continued to add over the years.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding the lack of response to the disputes I submitted to XXXX, XXXX, and XXXX. I identified inaccuracies in my credit report, listed the accounts, and detailed the violations under the Fair Credit Reporting Act. 

It has been over 30 days, and I have not received any response. Attached are copies of all letters sent. 

Please investigate and correct these inaccuracies promptly.
Product: Credit card

I have attempted to file this claim directly with the organization involved, Kohl 's, but they have refused to take action. I was coerced under false pretenses to sign up for a Kohl 's charge card. A sales associate came around while standing in line and asked if I would like to sign up for a Kohl 's charge to receive XXXX % off. I was aware of the Kohl 's policy regarding certain exceptions about items. I inquired with the associate if there were any exceptions regarding this item, she informed me that there were not. Immediately after, I inquired if I signed up and was approved for this card if I would be able to use a personal credit card other than the card I was approved for. They acknowledged that I was able to do this. I was walked over to a separate register and applied for the card and was approved. She rang up the item and the discount did not apply. She said that was her mistake and acknowledged I asked if there were any exceptions and that a manager would very easily be able to correct this problem. After approximately XXXX minutes, an assistant store manager arrived and advised that this was an exception and I would not be able to honor the discount. He was informed by the employee that this was promised to me and he continued to advise he would not honor it. I also informed him that I was told I could put this on my personal credit card. At this point he went off the deep end and became extremely aggressive and began yelling at me. I told him that as my credit was already run and it would affect my credit score so I would like XXXX of XXXX resolutions, either remove the credit check from my credit history and charge me the full price, or authorize the discount and let me use my personal credit card as promised. The store manager ( named XXXX ), refused to do either of this and began yelling. He told me that I had XXXX of XXXX options, either be forcibly removed from the store by security or put the item on my Kohl 's charge card with a discount. Intimidated and scared, I agreed to put it on my Kohl 's charge card under duress.
Product: Mortgage

I enrolled in the Equity Plus Biweekly Mortgage Payment Program. They were to automatically withdraw {$920.00} every two weeks and pay my mortgage to XXXX XXXX, the financial institution that holds my mortgage. On XX/XX/21 they withdrew {$920.00} and on XX/XX/21 another {$920.00} but never paid my mortgage. I am now one month behind and do not have the funds to get current. Attempts to reach the company are not successful. All telephone call attempts reach a voice mail that says " please call back during regular business hours '' and the line then disconnects, providing no ability to leave a message.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified an account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the bank related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX
Product: Debt collection

The company claims to have notified me of the purchase of this debt and my rights, however they mailed the letters to an address I have not used in over 2 years. I never received the required notification in the required time frame
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a natural person filing this complain about an alleged Medical debt that cause Grave distress against me, and inflict stress that resulted to me wanted to take my life, at this moment this crooked Reporting agency fail to abide by congress law in reporting fair and accuracy information before disclose on my consumer report, they all so sided with the so call debt collector name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX SPORTS ) and cause me to lose financial stability even losing my apartment for not doing their do diligence. know one should have to deal with such distress.