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

I AM IN NEED OF YOUR ASSISTANCE TO COMPEL CORELOGIC/CREDCO TO COMPLY WITH THE FCRA AND THE STATE OF ILLINOIS LAWS ( THE STATE IN WHICH I RESIDE XXXX XXXX. XXXX XXXX. XXXX ). 

THIS WILL ASSURE ME THAT COMPANIES SUCH AS CORELOGIC/CREDCO WHO OPENLY ADMIT THAT THEY ARE RESELLERS OF CONSUMER REPORTS WHO SHARE OR GIVE OUT INFORMATION WITHOUT THE CONSUMERS AUTHORIZATION, BE STOPPED. 

I HAVE RECENTLY SENT A LETTER REQUESTING AN IMMEDIATE FREEZE BE PLACED ON MY CORELOGIC/CREDCO REPORTS. ( SEE EXHIBIT 1 LETTER ORIGINALLY SENT TO CORELOGIC/CREDCO ) ALSO ENCLOSED WITH THE LETTER WAS MY SOCIAL SECURITY NUMBER, COPY OF DRIVERS LICENSE AND A COPY OF RECENT BILL FOR PROOF OF ADDRESS. 

CORELOGICS XXXX RESPONSE WAS ; TO DEFLECT BY ASKING ME TO CONTACT THE THREE MAJOR CREDIT BUREAUS, RATHER THAN COMPLYING WITH THE WELL SETTLED LAWS THAT WERE AFOREMENTIONED, AND PLACING A SECURITY FREEZE ON MY INFORMATION IN WHICH THEY HOLD. 

THEREFORE, I AM ASKING CFPB TO COMPEL CORELOGIC/CREDCO TO IMMEDIATELY FOLLOW THE LAWS AND TO STOP VIOLATING MY RIGHTS, OUTLINED BOTH BY THE FCRA AND THE STATE OF ILLINOIS IN WHICH I RESIDE. 


EXHIBIT 1 LETTER SENT TO CORELOGIC/CREDCO EXHIBIT 2 CORELOGIC/CREDCOS RESPONSE
Product: Credit reporting or other personal consumer reports

In my XXXX endeavor to resolve this matter, I want to emphasize that this marks my XXXX  attempt to address the ongoing issue. Despite numerous requests, EQUIFAX has consistently denied me access to my personal credit report. They have XXXX refused to provide any information about my credit history. Enclosed are supporting documents, including a duplicate of the letter I sent to the credit bureau and copies of my personal identification.
Product: Mortgage

Seneca Mortgage Servicing Predatory PracticesSee XXXX reviews for issues similar to mine XXXX mortgage was transferred to Seneca and has never been in default. 

XXXX withheld {$0.00} for my county taxes and now has raised my mortgage payment by over {$500.00} to cover their self-created shortfall of {$3700.00}. Seneca is also withholding insurance in escrow but is not paying the insurance, which I just paid in full yesterday XXXX {$1000.00} XXXX to protect myself from Seneca. 

I am able to afford this increase but I am deeply concerned after reading those XXXX reviews that other people might not be so lucky and might lose their homes to this pattern of predatory mortgage servicing. 

Since I am not in default, I do n't think that there is any relief for me personally to be had but I wanted to bring Seneca to your attention before they do any further harm to others.
Product: Credit reporting

XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX DELINQ XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1981 XXXX XXXX F, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Collectors know my credit history and I did not give them any permission to have my medical history and they can not provide access from the medical company. They shouldn't have access and that's a violation under the XXXX XXXX of XXXX  which state, Generally, your health information can not be used for purposes not directly related to your care without your permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My husband has asked this company who is more useless than XXXX why they didnt pull money out thats been over 2 weeks now. No answers. Its still not been pulled. What is going on!
Product: Checking or savings account

On Wednesday XX/XX/2025 I went to login into my account and was unable to do so. I contacted Bank of America and after being on hold for XXXX min they informed they decided to close all my checking and savings account t without any notice. They refused to give me a reason as to why. This is a huge inconvenience!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and CREDIT ACCEPTANCE ran an unauthorized credit inquiry on me on XX/XX/2020, and XXXX XXXX. I contacted the company telling them I did not authorize the inquiry. I am a victim identity theft fraud ; I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went thru a loan modification, and have made all of the payments as instructed by XXXX XXXX, which is reflected in my payment history. XXXX XXXX  did not apply the funds correctly, and left the account as delinquent. I called multiple times over 2 months and was assured it was an error on their part and that it would be corrected. Then when it went on my credit report again I called several times, and again I was told it was an error on their part and it would be rectified. As of today it still has not, but the payments were made on time per their instructions.
Product: Debt collection

I had an alert on my locked credit report from National Credit Adjusters on XX/XX/XXXX for a debt in arrears. I called National Credit Adjusters. Debt is from XXXX XXXX in the amount of {$700.00} taken out with drivers license that is not mine in XX/XX/XXXX. 
I have never taken a loan from XXXX XXXX. I have never received any communication from National Credit Adjusters regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a charge account with XXXX XXXX XXXX ( credit file ending in XXXX ) in the early months of XX/XX/XXXX. On XX/XX/XXXX to XX/XX/XXXX,  I generated a balance of {$370.00} and made a payment of {$120.00} on XX/XX/XXXX ending with a balance of {$250.00}. Then on XX/XX/XXXX, I paid {$100.00} on the {$250.00} balance leaving me with a balance of {$150.00}. Then on XX/XX/XXXX, two later, I paid the {$150.00} that was showing my remaining, {$150.00} to establish a XXXX balance and account paid off like all my other creditors as always on time and never late and always make payments greater than the minimum due. Then XXXX added {$4.00} to my account in error and I did not know that they had done this. So then Experian and the other credit agencies posted a late payment to my credit file resulting in me going from excellent credit to fair credit and my credit score went from XXXX to XXXX. I communicated with XXXX and they agreed to send a letter to the credit reporting agencies to omit the late payment and to state my account as closed/XXXX balance and current. they even issued me another charge account ( # XXXX ) which I have not used yet. I have waited 30 days for Experian to update my credit file and they have dragged their feet and refused to change my credit file. I did receive notification from XXXX XXXX that my file was updated but Experian is not co operating and when I tried talking to their Dispute department, a female representative was very rude to me and unprofessional and hung up me. This why I am filing this complaint with you and seek any assistance that I can get in this manner. Thank you very much.
Product: Checking or savings account

My funds were low, because I do not use this account often anymore, so I made a check for {$20.00} and made the deposit at the ATM before they even opened so the deposit and the withdrawal hit at the same time. First National Bank charged me a {$35.00} late fee even though the money was deposited. Then, something else went through and because of that late fee, another charge was not going to clear. So, I deposited another check for {$80.00} to cover it. BUT, again, FNB charged me a SECOND fee for another {$35.00}. Now, I am out {$70.00} because they did this to me again. Once I get this cleared up, I will be closing all accounts with them that I am on. ( There are XXXX altogether including my mom 's accounts. ) Please help me recover this money so I can get away from this bank. I feel they do things this way to just make money off of their outrageous fees. My other XXXX banks do not conduct business this way. I have included a screenshot of my bank app so you can see that the deposits and the withdrawals were made on the SAME day.
Product: Checking or savings account

On XX/XX/XXXX at around XXXX, {$8000.00} was transferred from my savings account to my checking account without my permission. No other person had access to my debit card at that time. Then XXXX unauthorized transactions totaling at {$4900.00} which left me with {$3000.00} was used on XXXX XXXX which is a XXXX XXXX  company. I called Wells Fargo immediately and reported to them the unauthorized transactions. They said that it would take XXXX business days to review the claim that I made. They have also turned off my previous debit card off that same day and issued me a new one. On XX/XX/XXXX, I called Wells Fargo wanting an update on the claim I made. In short, they needed more time to review my claim and temporarily credited me {$4900.00}. On XX/XX/XXXX, Wells Fargo notified me through email that their investigation is done and will send a detailed letter by mail. I received that letter on XX/XX/XXXX. It said that based on the information I had given them that the transactions were authorized by me or someone who had my permission, and the temporarily credit of {$4900.00} will be reversed within XXXX business days.
Product: Debt collection

THIS ISSUSE IS AFFETIONG MY LIFE, I CANT SLEEP OR EAT BECAUSE THIS ISSUE IS INPACTING MY LIFE. EVERY TIME IM TRYING TO MORE FORWARD THIS SHOW UP LIKE A BAD DREAM
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Capital One Bank account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Product: Checking or savings account

Unauthorized XXXX transactions were sent using my Bank of America account, and mobile device. Bank of America denied my claim, even though Ive never ever sent money to the party that received the XXXX  transfers. They denied one of the transfers, and allowed the rest to be processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, 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: Mortgage

I have been trying to connect with Mr Cooper loan servicing company since XXXX XXXX. I got the number from my account on my payment statement sent in the mail. After asking some security question to verify my identity I tried to speak with a service representative but the automated system would not allow - rather it sent me into an endless loop where is asked me question and would not allow me to speak with a service representative. I have been trying to speak with a living and breathing human. This is causing me to become in distress with the problem I have.
Product: Debt collection

XXXXamount {$570.00} collection.My report include accounts with a reported name that is different that mine.I dont recognize the account in question.The reports shows I owed money to an account that is not mine.The current status of my account is not correct.
Product: Credit card

I AM A VICTIM OF THE XXXX XXXX BREACH AND I HAVE MULTIPLE CREDIT CARD ACCOUNTS THAT WERE FRAUDULENTLY OPENED IN MY NAME WITHOUT MY KNOWLEDGE AND CONSENT. THE CREDIT CARDS ARE AS FOLLOWS : COMMENITY BANK - FOREVER 21 - COMMENITY BANKD -ULTA- COMMENITY BANK -NEW YORK- COMMENITY BANK- LANE BRYANT- XXXX - THESE ACCOUNTS HAVE GONE INTO CHARGE OFFS IN MY CREDIT REPORT. 
I HAVE WRITTEN SEVERAL LETTERS TO ALL THREE CREDIT BUREAUS TO REMOVE SAID ACCOUNTS WITH NO RESPONSE.
Product: Credit reporting or other personal consumer reports

There are XXXX collection accounts XXXX XXXX XXXX and XXXX XXXX  that are still showing on my transunion credit report. They should be deleted as I have yet to receive validation of debt proof experian had no issue removing the 2 collection accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to demand immediate action regarding the extensive and ongoing inaccuracies on my XXXX XXXX account ( # XXXX ) as reported by XXXX , XXXX, and Equifax . Despite my repeated efforts to dispute and resolve these errors directly with each bureau, they continue to report inaccurate and conflicting information in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Account Details and Reporting Inaccuracies : Account Number : XXXX Original Creditor : XXXX XXXX Balance Owed : {$410.00} Creditor Type : Utilities/Wireless Telephone Service Date Opened XXXX XX/XX/XXXXXXXX  Payment Status : Closed / Collection account / Seriously past due date Dispute Status : " Not disputed '' on XXXX and Equifax , despite multiple formal disputes. 
Key Inaccuracies Across Bureaus : Inconsistent Date of Last Activity : XXXX and Equifax list the last activity date as XX/XX/XXXX, while XXXX records it as XX/XX/XXXX, resulting in an inconsistency that must be resolved. 
Conflicting Closed Dates : XXXX and Equifax show the closing date as XX/XX/XXXX, while XXXX lists it as XX/XX/XXXX. This discrepancy in such a key detail makes the reporting unreliable. 
Contradictory Payment History : XXXX shows this account as Charge-Off ( CO ) from XXXX to XX/XX/XXXX, while Equifax reflects on-time ( " OK '' ) payments in the same periods. This misalignment conflicts with the FCRAs requirement for accuracy. 
Incorrect Dispute Status : Despite my documented disputes, XXXX and Equifax still list this account as " not disputed, '' violating my rights under FCRA Section 611 ( 15 U.S.C. 1681i ) for disputed information to be investigated and corrected. 
Incomplete Payment History Reporting by XXXX : XXXX does not provide any payment history for this account, creating an incomplete and misleading profile that fails FCRAs standards for accurate and complete reporting. 
FCRA Violations and Legal Consequences : The FCRA mandates clear, accurate, and verifiable information. These credit bureaus actions are in clear violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to correct or delete inaccurate or unverifiable information after a dispute.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to use reasonable procedures to ensure maximum accuracy.

FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : Allowing consumers to seek damages for willful or negligent non-compliance.

Intent to Pursue Legal Action : If these inaccuracies are not removed within 15 days, I will file a lawsuit under the FCRA for damages resulting from willful and negligent non-compliance by the credit bureaus. 

Attached are copies of my recent credit reports from XXXX, XXXX, and Equifax, as well as records of my previous disputes. I trust that the CFPB will take swift action to ensure compliance with FCRA standards and protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with fair credit reporting act XXXX  account # XXXXXXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXXXXXX XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A, Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Debt Validation Letter for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXXAmount of Debt : $ XXXXDate of Debt : XX/XX/XXXX Dear XXXX XXXX, I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed statement of how the amount was calculated.

3. Any agreements or contracts I allegedly signed.

4. Proof of your authority to collect debts in my state. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

The account in question was disputed on XX/XX/2023 and again XX/XX/2023. Each time the dispute came back verified with no verifiable documentation, which was requested via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained numerous times to XXXX XXXX XXXX about a debt that was opened fraudulently. They sent me paperwork showing balances which are not mine. I have written to them and sent them letters and have tried to dispute with three credit bureaus with no resolution.
Product: Mortgage

I received confirmation from our county tax collector that our annual tax bill will be {$2400.00}. NewRez is collecting nearly {$600.00} per month when they should be collecting lessthan {$250.00} per month. This extra {$350.00} is a hardship. They must have acknowledged amount of the tax payment because they they are in the process of refunding a large portion of our escrow balance. However, the payment has not been lowered. I tried resolving this via phone and email but I keep getting transferred from department to departtment. Please help get our payment lowered. 

P.S. I am hearbroken by the actions taken against the CFPB and you are all in my thoughts. You do GOOD and IMPORTANT work and I hope you are albe to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already disputed this item with your firm. The company sent me an answer and you then closed the investigation. However, the legal and credit reporting issues were not resolved! 
LVNV/Resurgent claims they were in accordance with FDCPA section 809 ( 15 USC 1692g ) and applicable state laws when they sent me information that in this day and age can be magically and professionally printed on any lazer printer! This information was simply " an account summary, terms and conditions, and bill statements 'on file ' "! This does not legally verify this debt as mine! Where is the documents THAT VERIFY MY IDENTITY in relation to this account? Where is the signed contract? Where is the valid ID or driver 's license? Where is the social security card? These documents are needed to LEGALLY verify any clients/customers identity as stated in the PATRIOT ACT! And since your firm, The Consumer Financial Protection Bureau HAS NOT forced them to comply and then closed the previous case I will sue you as well as Resurgent in court if this is not resolved!