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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$7800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3100.00}. Inquiries : XXXX XXXX, XXXX, XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to repair the following items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Valentine and Kebartas called everyday from XX/XX/2019 until current using different numbers XXXX XXXX, Florida area XXXX ) from a company in Massachusetts. I finally spoke to a supervisor, XXXX XXXX, and he would not disclose the reason for the call. The representative and XXXX XXXX both possessed an abusive tone towards me. They never left a message when they called everyday. The process is deceitful and I felt mis-treated and they were condescending. Please prevent companies like Valentine and Kebartas to behave in such a manner.
Product: Debt collection

I have filed 2 complaints with CFPB against Hunter Warfield for incorrectly reporting a debt on my credit report that is listed in someone else 's name. XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The company responded on XX/XX/XXXX, by providing documents to support their claim, however they are someone else 's documents. They supplied a copy of a lease with someone else 's name on it and shows an address that I have never resided. The lease provided by Hunter Warfield has a digital signature on it so I feel anyone could have made this up. The lease provided has a lease term date of XX/XX/XXXX so I have also attached a copy of my current lease that I signed with XXXX XXXX on XX/XX/XXXX, it's not possible that I had 2 separate leases with 2 different companies during the same time frame. Today I have filed a lawsuit with an attorney that works with the XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

My name is XXXX. Cardinal Finance has transferred my mortgage to XXXX XXXX. 
I made a payment of {$1300.00} to Cardinal Finance and they said they suspense the payment and transferred to my account with XXXX. Just to add into this case. 
I made the payment with Cardinal Finance on XX/XX/XXXX that reduced the Principal Balance to XXXX and XXXX XXXX. They then reversed the payment on XX/XX/XXXX to move my balance back to XXXX with escrow XXXX. 
My loan was then transferred as {$210000.00} with the balance and the escrow to XXXX. I called Cardinal Finance customer service many times and they said my payment was suspense and transferred to XXXX. I called XXXX, they made me send my case to a research payment team but have not heard back. When I call them again they referred me to contact Cardinal Finance again.
Product: Debt collection

I was advise that the debt would be cleared and they have received their payment in full
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$25.00} XXXX XXXX XXXXXX/XX/XXXX {$140.00} XXXX XXXX XXXXXX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXXXX/XX/XXXX {$2200.00} XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXXXX/XX/XXXX {$530.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$25.00} XXXX XXXX XX/XX/XXXX {$160.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

Received information about account creation from XXXX and spam calls in XX/XX/year> after being charged XXXXXXXX XXXX  for an online service that was never requested by me and not being able to get the money back that I still dont know why I had to pay.

They requested more charges which let me to inform my bank account about fraudulent charges by eharmony. The service was never requested by me. I have not heard from XXXX since then and had informed them that their request is a scam and that I will not be charged for the requested payments. 
Today I received and email by a company called RFGI, which states that they would collect an outstanding debt of XXXX .

it is completely oblivious to me why they send me this 4 months later and try to keep charging me for this but it is not my debt to pay.
Product: Debt collection

I was threatened with a court summons for a debt that I never had a contract with this company with. I am requesting they remove this from my credit profile immediately
Product: Mortgage

Hello, My Flood insurance administrator sent notice of my renewed policy to my mortgage holder- Mr. Cooper XXXX XX/XX/year>. 

I received the attached letter from Mr. Cooper/NationStar mortgage LLC advising they have not received notice of my coverage and that they not only purchased as second flood insurance policy for me, but that they have also already removed money from escrow for this secondary unnecessary flood insurance policy which has now caused an increase in my payments by {$250.00} per month, with XXXX being the first month reflecting the incorrect increase. 

I called Mr. Cooper on XX/XX/XXXX to get this rectified so that I may pay the correct payment amount, on time and that I may also receive a refund in the escrow that was stolen from my account. I was told this would be reviewed and there would be an update within 7 days. 

As of today XXXX, there has been no change in the amount due as shown on their website, additionally calling has been pointless, because I am now routed to an endless IVR loop and can not speak to anyone. 

Mr. cooper has over XXXX negative complaints about their fraudulent practices on the XXXX XXXX XXXX website, and really needs to be fined for their unethical practices. Something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- STUDENT ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that your company supplied to [ XXXX, XXXX, Equifax ]. I have circled the items I dispute on the attached copy of my credit report ( XXXX ). 
XXXX XXXX account number XXXX is inaccurate [ or incomplete ] because [ all XXXX credit bureaus are reporting account types XXXX states the account is open XXXX said it is a cell phone account also Equifax says the account is open and all XXXX bureaus are reporting the account status is closed if you get your information from the same place why are my reports so different is this XXXX open or closed how can a account be open and closed which on is it ] I am requesting that [ XXXX, Equifax and XXXX ] have the item removed Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, your record of payments made ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( XXXX ) as soon as possible.
Product: Debt collection

Portfolio recovery keep reporting that i per a debt from several years ago and was not contacted before putting this on my credit report.
Product: Money transfer, virtual currency, or money service

The money amount that was supposed to be sent wasnt correct numerous of times!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$1800.00} Status Collection account. 


This account is listed as 4 separate collections on my XXXX, Experian, and XXXX credit files. I have reached out to the credit bureaus on multiple occasions to fix this inaccuracy to no avail. This is a SINGLE account in collection not 4. This debt collector - XXXX XXXX XXXX- is reporting the single account as 4 separate accounts. The credit bureaus need to properly reflect my credit accounts and remove the 3 duplicate accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. 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. 


1. XXXXXXXX XXXX Account Number : XXXX I have no knowledge of this account. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 2. XXXX Account Number : XXXX My credit report shows that this account is Legally paid in full and it's not reporting with other Bureaus. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately 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. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 


3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX
Product: Mortgage

Nationstar Mortgage has serviced the loan on my house since the beginning of 2014. I have an auto debit for my monthly payment. Additionally I made arrangements, when Nationstar took over my loan, to be able to mail in monthly Principal Only payments. Nearly every single Principal Only payment made to date has been taken as a regular payment, distributing the payment as partial principal and partial interest. When I call them to correct the payments, they do not deduct from my total balance to reduce my interest payments, keeping my interest at a higher total amount. They are also charging me an " adjustment '' fee when I call to correct these errors. This company must be stopped!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX claims I owe, they called my son telling him how they will take his mother to jail. I did a debt consolidation and completed 2 years ago with all debts ever owed settled except for School and Mortgage. I disputed 5 or 6 times even sending proof that they are recirculating a 2016 account that was settled and closed but they keep saying not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information and reports have been compromised by virtue of the XXXX data breach. I would like the option of freezing and thawing my credit availability through all three credit report agencies, but I do not want to be charged for doing so.
Product: Debt collection

I tried to dispute XX/XX/year> on my credit report but its still on my credit.. I will keep receiving letters saying I have to pay amount of XXXX for apartment I rented in XXXX with a company name XXXX XXXX every time I call these people they give me the run around never received the paper work saying that I agree to pay that amount and where did that amount come from
Product: Credit reporting

In XX/XX/XXXX, XXXX XXXX reported a hard inquiry dating back to XX/XX/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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. XXXX XXXX XXXX  ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

My prior mortgage service, XXXX ( XXXX XXXX ) sent me a notice of transfer of servicing rights to Carrington.

Carrington sent me the following email on XX/XX/2021 stating the following in its entirety : " Please note that your loan has not finished the transfer of servicing process, and we will notify you once the process is successfully completed. During this time, you will not be able to set up your online account and our customer service representatives will not be able to provide information related to your account. 

Rest assured, we are working to make the transition as easy as we can. During the next 60 days, Carrington will not assess a late charge on a loan payment received by your prior Servicer on or before its due date. Your account will not be reported as late to the credit bureaus during this 60 day period. 

Once the transfer of servicing process is complete, we will send you an additional email with instructions on how to create and manage your online account. 

Thank you, Carrington Mortgage Services , LLC '' THE PROBLEM IS : My automatic payment to XXXX XXXX should have come out of my account on XXXX. It appears XXXX  XXXX has stopped taking my payment. Carrington has not informed me of how I am to pay or to whom. Today is XX/XX/2021 and my mortgage payment is due to someone, presumably and I don't know how or who to pay. I have a superior credit score and pay all of my bills timely. I do not want to have any issues just because the mortgage services aren't promptly transferring my account.
Product: Debt collection

These people call about twice a day. And stagger the call times. About 3 calls are before XXXX, even though I 've repeatedly told them that I 'm now on PST instead of CST
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 XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX