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

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent account : XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX at XXXX XXXX  I called 5/3rd customer service number to discuss inaccuracies on my credit report. I spoke to a wonderful agent rep named XXXX her employee number is XXXX. I informed XXXX that I was reviewing my credit report and I saw some inaccurate info on my credit profile and I was calling to hopefully get a resolution. I informed her that I originally fell behind because my statement always came late. I told her I called in the past ( XXXX ) to get the fees removed because I could not afford the minimum with the late fees and other penalties. I called 5/3 several times and MULTIPLE agents told me that they could not help because my account was not delinquent enough. She agreed that was there business rule. I confirmed my current address ( XXXX XXXX XXXX XXXX, XXXX GA XXXX ) and she said that was the address on file. I advised her to look at my statements and she confirmed that the address on the statement was my previous address of XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX said she would have to do some digging about to why my statements have the wrong address. XXXX also saw that a change of address was submitted on XX/XX/XXXX. I moved to that address on XX/XX/XXXX. 
I sent enrolled this account to XXXX XXXX in XX/XX/XXXX and she confirmed that 5/3rd set me up for credit consulting in their system on XX/XX/XXXX. I informed her that I simply want all they negative remarks removed from my account. 

Today on XXXX XXXX returned called back to provide me an update and she said that she 5/3rd would not update the remarks on my Credit File because statements are not required they are a " courtesy ''. I informed her that according to the Fair credit act you are suppose to get a statement. She said 5/3 said no, it a courtesy. She encouraged me to dispute if I feel that 5/3rd is not reporting correctly. I still have late marks from late last year after I was approved for the program. They are not reporting correctly.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

References Shellpoint Mortgage Loan # XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Mortgage Loan # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, VA XXXX Since XX/XX/XXXX I have been trying to complete and sign my loan modfication docs. Both Mortgage Agents have put me thru XXXX. I have attached in detail every email contact that I have been thru from XX/XX/XXXX thru XX/XX/XXXX. 

I has come to my Attention that Shellpoint Mortgage has reported me to all XXXX Creditors as 120 days late. It has dropped my score XXXX points. Never in my Life I have seen this at all. Please take your time and read the attached documents and you can see the XXXX I been thru.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Over the past few years, Ocwen began reporting that my loan was charged off when I actually paid it off. They reported to XXXX. Ocwen corrected the issue on 2 or 3 occasions with oversight from Texas XXXX. 

I was denied credit today as XXXX is reporting an Ocwem foreclosure and negative in city from XXXX. I have never heard of XXXX. 


I need this matter corrected immediately. 

Kind regards XXXX XXXX
Product: Credit reporting

Every time I have attempted to receive my credit report online from Equifax they will not release it for view. They constantly require that I send many copies of information by mail and I still have no confidence they will release the information as a free report. Both XXXX and XXXX are never a problem when I view my report online. What is wrong with Equifax? Since this is a continuing issue it leaves me with the belief they are looking for a way to get around offering a free report, maybe you can tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX privacy laws state confidential information such as transactions, history utilization and statements are excluded from XXXX XXXX XXXX Please delete cease and desist XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX Capital One started having technical issues with account holders and I was unable to access my account. On XX/XX/XXXX the issues continued and my pay check was not deposited into my account leaving my account in the negative and unable to pay my bills. I tried to contact the customer service line multiple times throughout the day on XX/XX/XXXX and XX/XX/XXXX but was unable to speak with a representative due to high call volume so I was let in the dark and received no answers. Capital One then sent out an email on XX/XX/XXXX at XXXX XXXX  stating there were experiencing system issues impacting deposits, payments and transfer but did not give a timeline of when this issue will be fixed. 

As of XX/XX/XXXX at XXXX XXXX  I still have not received my paycheck or an update from the company about when this issue will be resolved. I still can not reach a representative to get clarification on when the issue will be resolved.
Product: Debt collection

JEFFERSON CAPITAL SYST Placed a debt into collections that is not mine, when i attempted to dispute it with them they instantly denied me without providing any information.
Product: Debt collection

I am not awear of a company by the name of Moneylion Inc I have never did any type of business with this company therefore someone used my personal information and took a loan out using my name. I did not know anything about this transaction until XXXX of 2018 it appeared on my credit reporting. I have filed a Identity Theif claim with XXXX XXXX and continue to dispute this charge I also spoke to the 3 creditors XXXX, XXXX, and XXXX I have request for a Fraud Alert placed on any new account that shows up on my credit reports.
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  account number XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXX account number 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 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

Pulled a hard inquiry on my credit check without my consent!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Checking or savings account

My account has been locked with Sofi bank since XXXX and I havent had access to my account since. I want access to my funds immediately
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # # # # # # # XXXX, XXXX XXXX XXXX, I : # xxxxx XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX  XXXX XXXX : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX  XXXX XXXX : # xxxxxxxxxxxx XXXX, XXXX XXXX  : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX : # xxxxxx XXXX, XXXX XXXX XXXX : # xxxxxx XXXX, XXXX : # xxxxxxxxxxxx XXXX, XXXX  : # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXXXXXX XXXX XXXX # xxxxxx XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw my credit report and saw accounts appearing on my report that I am not aware of, I contacted the credit bureaus but have not received any response. Below are the accounts appearing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a Citi / AAdvantage Platimum Select World MasterCard on XXXX XXXX, 2015. They did not immediately approve the card so I called the number and spoke to XXXX # XXXX and was told it was approved and that I would qualify for the XXXX air miles promotion after I charged {$3000.00} within the first 3 months starting on XXXX XXXX, 2015 and that I should receive my card within 7 days or by XXXX XXXX, 2015. I received the card and more than meet the requirements by XXXX XXXX, 2015. In XXXX, I received a letter stating as a current or former Citi / AAdvantage cardmember I was not eligible for the XXXX-time bonus miles offer. No where was this stated when I applied online. It does not seem like fair practice for Citibank to advertise promotions such as this, have their employees tell you that you quality and then after you have meet the requirements deny the reward.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report Experian 's repeated failure to comply with federal laws under the Fair Credit Reporting Act ( FCRA ) and its obligations as outlined in 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( 5 ), and 15 U.S.C. 1681c ( c ). My rights as a consumer have been violated, and Experian 's negligence in handling my disputes has negatively impacted my credit profile, financial stability, and access to opportunities.

Background Information : I have been actively working to repair my credit and have sent multiple dispute letters to Experian, challenging inaccuracies and unauthorized entries on my credit report. Despite providing clear evidence, Experian has failed to comply with its statutory duties, including : Failure to ensure accuracy ( 15 U.S.C. 1681e ( b ) ) : Experian continues to report inaccurate and outdated information, disregarding its obligation to maintain the maximum possible accuracy in consumer reports.

Failure to properly investigate disputes ( 15 U.S.C. 1681i ( 5 ) ) : Experian conducts superficial investigations, often sending automated or generic responses that do not address the issues raised in my disputes.

Failure to correct or delete inaccurate information ( 15 U.S.C. 1681s-2 ) : Experian has failed to delete or correct clearly erroneous information, despite being provided with supporting documentation.

Reinsertion of previously removed items ( 15 U.S.C. 1681c ( c ) ) : In some instances, items that were previously removed have been reinserted without proper notice or justification.

Recent Developments : I recently became aware of the CFPBs lawsuit against Experian titled CFPB Sues Experian for Sham Investigations of Credit Report Errors. The lawsuit highlights systemic issues in Experians dispute resolution processes, including : Failing to properly investigate consumer disputes.

Allowing errors to persist on credit reports despite evidence.

Reinserting errors on reports without notifying consumers.

These practices align with my own experiences and demonstrate a pattern of harm to consumers like me, as Experians actions ( or lack thereof ) have jeopardized my access to credit, employment, and housing.
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Product: Debt collection

Receive multiple calls from the number. Receive both automated messages and scripted messages with a human when I don't pick up. Receive calls after asking them not to call since they were unable to actually confirm the debt when I did pick up once. Received calls from other XXXX phone numbers that are similar, each with the same tactics of leaving threatening voice mails that are either automated or scripted humans.
Product: Debt collection

Collection company never contacted me about any outstanding bill I contacted them when they appeared on my credit report showing a bill was open XX/XX/2018 and appearing on my report effective XX/XX/2018. The alleged bill is not open over 60 days and I provided proof of insurance. They indicated because they can not verify insurance they are requesting I contact other office until they could verify my information. 

I have no debt with them, they claim I owe them monies and never received a bill from them. 

They received proof via fax of medical coverage and still refuse to remove. They are not complying with CFPB.
Product: Mortgage

Fay Servicing LLC ( a mortgaging servicing company ) has been collecting money in escrow for my homeowners insurance, however, they have not paid the policy after both myself and the insurance company has contacted them on several occasions to pay the policy. The policy was in jeopardy of lapsing so I had to pay the home owners insurance policy myself although I also have been paying Fay Services to pay the premium. 

According to my closing documents the servicer is supposed to collect both taxes and insurance in escrow. The previous servicers have done this, however Fay Services LLC has decided they are above the law and refused to pay my home owners insurance and appears to just be pocketing the money. RESPA requires banks to make timely payments to insurance companies if they are collecting for escrow, this company has decided they do not want to do that.

Every month Fay Services charges me XXXX for my escrow account for taxes and insurance as indicated by the line item on my mortgage statement.
Product: Checking or savings account

I bank with capital one for about 5 years now I found out in 2024 that {$6000.00} plus was used from my account in XXXX months which I didn't realize it until I saw an unauthorized transaction of {$500.00} plus one day I called them to tell them that was not authorized by me and the capital one rep found more charges with out of state XXXX purchases and they told me to close down the account and reopen a new one and once the dispute was clear they would transfer the funds to the new account so I did that and then I waited the 15 days that they asked me to wait and if I didn't hear anything back to give them a call so I did for them just to tell me that my dispute was denied. That put me through a bad mental health and triggered my panic attacks. I lost money that I never used and was for my daughters XXXX  XXXX.
Product: Debt collection

On XX/XX/18 I requested written validation of this debt in accordance with the provisions of The Fair Debt Collection Practices Act. I sent this letter certified mail XXXX XXXX XXXX XXXX XXXX. I received nothing, the statute requires a debt collector, not the creditor, to mail the verification to the consumer. The reporting credit company is not acting in fair manner
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing inaccuracies on my credit file, despite multiple attempts to correct them. The persistence of these inaccuracies has had a detrimental impact on my financial standing, and I urgently seek your assistance in rectifying this matter. 

Despite my diligent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is urgent, as it is adversely affecting my ability to secure credit and financial opportunities. 

I kindly request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. 
Fast-track correction of the inaccuracies on my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. 

I understand the importance of accurate credit reporting and the need for a swift resolution to prevent further damage to my financial standing. As a consumer, I rely on the integrity of my credit file, and it is crucial that these inaccuracies are promptly corrected. I am asking for your assistance to correct these late open accounts in my credit file : 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 reported many times of a XXXX account that was on my credit report, that charge does not belong to me I have no knowledge of it! There was no proper investigation done on it I spotted that on Experian they had my name as XXXX null XXXX I dont even have a middle name even doe they fixed the issue this XXXX account on my report shouldnt be there, I strongly believe its someone els