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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
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 XXXX 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 168i, 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 CFPBs 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 the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 new derogatory accts by debt collectors on my credit report. I have no knowledge of the debt .... could not get anyone to prove this is not a scam. Got no response to prove original creditor and contact only to debt collectors. XXXX XXXX Tx. Is well known to the better business bureau and listed D+ rating due to scams and consumer complaints. XXXX XXXX is another one same story. I am trying to purchase a home and my credit rating has now dropped 100 points ... .. The dispute process with XXXX IS SO DIFFICULT, I feel helpless to deal with this issue and get it off my credit.
Product: Payday loan, title loan, or personal loan

I took out a loan through credit fresh ( line of credit offered through XXXX XXXX  ) on XX/XX/2022. I received a statement that showed for my first billing cycle, I had incurred a {$55.00} billing cycle charge ( which is fine- I agree to that ). I just paid the loan off today but it changes the billing cycle amount to {$160.00} when paying in full. I agreed to the loan with the {$55.00} charge but I did not agree to them changing it to {$160.00} when paying it in full. On their website 'https : //www.creditfresh.comXXXX XXXX  ' it states there is no pre-payment penalties yet I am being charged more when I was pre-paying the loan. I followed up with them today & customer service states the billing cycle charge changes based off how much you pay which directly conflicts with what was stated on the website about pre-payment penalties when I signed up. This intentional ambiguity is designed to charge me a pre-payment penalty despite stating they would not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Could you please remove account ( attached to identity theft report ) - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, as this is not my account, I've tried to reach out to the company itself but Im unable to reach anyone via phone. Please remove this from my credit report immediately as this account is affecting my credit score. Also, please remove the unauthorized inquiries attached to the identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, XXXX XXXX and myself entered into a Covid Forbearance plan with Freedom Mortgage and remained in the covid forbearance plan until the home was sold in XX/XX/XXXX. After the home was sold, XXXX XXXX reported 150+ day late payments to all of the Credit Reporting Agencies in error. I filed a dispute with XXXX XXXX on XX/XX/XXXX to which they agreed that our loan was protected under the covid protections act at the time of payoff ( letter attached ). 

XXXX Mortgage removed the late payments under the monthly status ( credit report from XXXX confirming this attached ) but did not remove the " 5 '' code under the account status so the mortgage was still showing " 150-179 Days Past Due. '' On XX/XX/XXXX, I filed a dispute with the XXXXredit Reporting Agencies to have the " 5 '' code removed. On XX/XX/XXXX, I spoke with a woman in the leadership department with Freedom Mortgage who stated that they will not remove that code, even though we were protected under the Covid Cares Act. After this phone conversation, Freedom Mortgage changed how to loan was reported to a " 6 '' code, now showing " 180+ Days Past Due '' and added " Collection Account '' under the account status ( dispute letter from XXXX attached ). 

I have letters from XXXX XXXX stating that the loan was protected under the Covid Cares Act at the time of payoff, I have documentation from them stating that they will report the loan as current during the forbearance period, as well as copies of their website stating the same information. All late codes and collection account statuses should be removed from all Credit Reporting Agencies as agreed upon by XXXX XXXX
Product: Debt collection

XX/XX/XXXX myself and my ex-wife took out a home equity loan at Suntrust Mortgage. This was a part of our purchase transaction on our at the time primary residence. This was a joint loan with myself and her. I was first borrower on the home equity loan. We got divorced in XX/XX/XXXX. Per our divorce decree she would keep the house and make all payments. Earlier this year XX/XX/XXXX, I had applied for credit to find out that the loan had be charged off by Suntrust Mortgage. I contacted Suntrust and they will not help me. I did not receive one phone call or one notice about the loan being late. I would have happily made the payment as it was only {$84.00} per month. I have had the same phone number for 20 years which they have on file and they also had my correct mailing address. It seems like with me being on this loan I should have received some type of notification about payments being late.So now my perfect credit has been ruined at no fault to my own and I can not get any help from Suntrust Mortgage. Any assistance that can be provided would be greatly appreciated as having a charged off mortgage loan on your credit report is a major thing and will effect me ever being able to buy a new home again.
Product: Credit card

The company in its response says that it opened a credit card, signed via Docusign ( and not an installment loan as was initially agreed to ). 

The document does not show how minimum payments are calculated nor do any statements. If its an installment loan it does not show the terms of the agreement. 

They also have not answered whether they will accept XXXX as administrator.
Product: Debt collection

I contacted the companies listed in my credit report requesting verification of the debts stated. I provided my personal information to verify my identity and was told I needed to provide a credit card to receive this information. I called each company more than once to talk with different employees and was told the same by each of them. They refused to provide any kind of verification on the debt owed. I contacted the following companies on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company names and amounts listed on my credit report are as follows. 
LVNV Funding LLC : {$270.00} ; {$650.00} ; {$890.00} ; {$1500.00} XXXX XXXX XXXX XXXX : {$4000.00} ; {$2300.00} XXXX XXXX XXXX : {$4800.00}
Product: Mortgage

Freedom Mortgage ( Loan # XXXX ) has not followed the rules clearly outlined for mortgage servicers by the CPFB under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 and is therefore in violation by not identifying and communicating with " successors in interest '' since the demise of the original borrowers. As requested by telephone discussion with Freedom Mortgage on XX/XX/XXXX, court documents and death certificates were submitted ( emailed ) to them confirming the death of the original Borrowers with property being willed to their daughter who also resides at the residence. Freedom Mortgage sent confirmation of receipt of those documents. Despite numerous documented directives and communications since, Freedom Mortgage has not contacted or communicated to the heir and has rendered further harm to the " successors in interest '' by postponing required actions, not communicating loan information, unilaterally paying erroneous taxes assessed on the property without consulting the " successors in interest '' and has now tendered a notice of default with intent to initiate the foreclosure process.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report. This situation has caused me a great deal of stress, especially as I am already facing personal challenges. The following items are incorrect and are negatively impacting my credit score, making it even harder for me to move forward : Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly reporting negative payment history on my credit report. As an authorized user, I am not responsible for the balance incurred by the primary cardholder or for any missed payments on this account. This situation has been especially stressful for me during a challenging time, and I kindly ask that this error be corrected as soon as possible. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I am deeply concerned about this account, as I have never had a contract with this debt collector for any debt. This situation has been overwhelming during an already difficult time in my life. I kindly ask that you provide proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect it. If you can not provide this proof, I respectfully request that you delete this account from my record. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am going through a difficult time, and I am disputing the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since I opened this account, as I need to understand what went wrong. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am deeply concerned about this account, as I have never had a contract with this debt collector for any debt. This situation has been overwhelming during an already difficult time in my life. I kindly ask that you provide proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect it. If you can not provide this proof, I respectfully request that you delete this account from my record. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I am going through a difficult time, and I am disputing the missed and late payments reported on this account. Please provide detailed statements and records of all payments made and missed since I opened this account, as I need to understand what went wrong. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2023 EXPERIAN XXXX XXXX XX/XX/2023 These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. Despite my efforts in contacting the credit reporting agency and the data furnisher, the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, highlighting the inaccurate information and supporting my claim. Please investigate this matter promptly and update my credit report to reflect accurate and truthful information.
Product: Vehicle loan or lease

There are a few violations I feel like are unfair with my loan, and when I have tried to reach out to resolve. There has been dismissal, and rude representatives. 

1. There was never a disclosure or mention or consent to/of GPS tracking inside of my vehicle within my agreement/contract, proven by assisting in repossessing my vehicle from an undisclosed location. I called to discuss this when my vehicle was recovered and the representative said they checked my documents and there is a document baring my signature consenting to the GPS tracker knowing my location. When asked for this said document, there has been no evidence and noncompliance in providing me this document. I have a copy of this document and there is no mention. 

2. Due to coronavirus, I was unable to pay in XXXX and XXXX, and a verbal agreement acknowledged by email on XX/XX/XXXX of my application & approved for unemployment. I was able to make minimum payments from my savings until that ran out and before unemployment was actually sent. Therefore made me unable to make a few minimum payments until new employment came in XXXX. I was unable to get ahold of the manager to update on new job until XXXX and when contacted, was then refused the ability to refinance as once before agreed upon on XX/XX/XXXX, and leading to my car being repossessed on XX/XX/XXXX. 

3. I placed an inbound call to the financial department to leave a message for the manager to call me back to further discuss the arrangement on XX/XX/XXXX. I was greeted by a rude receptionist who tried to collect a payment on the call disclosing details of my debt without my consent nor verification while disclosing and trying to discuss details of the loan. This call got heated as I refused to discuss this matter with this said representative, I proceeded to hang up and call back to request a manager to make them aware. This same representative called me back on a non business day ( Saturday XX/XX/XXXX ) to leave a hostile voicemail instructing me to call back to her specific said department/extension. Nothing was done when I reported this harassment matter within the proper channels as instructed by my sales representative. 


I feel treated unfairly and dismissed and having a repossession was not my intention and I do not feel as though it is warranted in these unprecedented times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Bank of America is stopping me from opening a bank account anywhere i go the XXXX report states XX/XX/2014 ( suspected fraud activity ) i had overdrawn a big sum of money from my checking account. They pocketed my check for 3 week with false hope of being compensated after it all cleared, with no money to pay my bills after 3 weeks of hard work i left the account as is and also had to begin work for another company after feeling so helped and used a coworker helped me out with some " coins '' i had to pay back after this mishaps. I still hav n't got a XXXX of the money i worked for. I also had been having XXXX siphon back the loan that i had got from school which was a long 3 year process which I let happen so i could avoid that being on my credit if thats through Bank of America i dont know, which one is stopping me from opening an account but neither should be.
Product: Mortgage

I have been trying to get a resolution for a modification with my mortgage for over 2 months with no end. Starting XX/XX/XXXX. I tried to call and make a payment with Service First Mortgage. After being denied to make payment I received a letter in the mail Dated for XX/XX/XXXX for a Face to Face Interview. Then another letter Dated XX/XX/XXXX and mailed stamped XX/XX/XXXX for a Notice of Acceleration with no Good Thru Date. When I called Service First they referred me to the Law Firm handling this account. I have spoke since XX/XX/2022 with law firm with a XXXX XXXX on the phone and thru email constantly with them and they were also having a difficult time getting information from Service First. After a month of correspondence with the Law Firm they finally received information and a quote for reinstatement. The Law Firm then told me to go to Loss Mitigation. I requested the packet and explained the situation that I work in the Oilfield and have to electronically sign documents due to the fact I work in areas where printers are not available. Then nowhere on the packet states that a electronic signature is not accepted, but now are saying that certain documents cant be signed electronically. My wife has called daily since XXXX to Service First and constantly gets several different answers from several different people in Loss Mitigation and Foreclosure. Foreclosure department even hung up on her. When she has asked several times to speak to a Supervisor no one calls her back. This is getting ridiculous and I need help. My Loss Mitigation was submitted on XX/XX/2022 with everything requested on application and now they keep giving me the run around. I need help! All I want is to get a modification to keep my home.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted XXXX based on inaccuracies that I found on my credit report. I asked that the company investigate these accounts for validity, inaccuracies, and also to provide me with documented information from their verification process based on FCRA standards. About thirty days later I received updates on my credit report as verified and accurate. I demanded that the company do a reinvestigation based on the lack of evidence in their first investigation. After their reinvestigation, the company provided no method verification on how they determined that the accounts were accurate and complete.
Product: Student loan

In XXXX, I signed up for auto-debit which allowed MOHELA to automatically withdraw money from my account every month when my payments were due. By doing so, they would decrease my monthly payment by {$30.00}. I received a confirmation email on XX/XX/26 stating that I will be enrolled in this program. 

However the last few payments that have been automatically deducted still did not reduce the payment by {$30.00}. I am still paying the full amount monthly AND being automatically withdrawn from my account.
Product: Payday loan, title loan, or personal loan

I have a no interest 48 month loan used to purchase a lawn mower. After a few months of making the payment through the phone system without problems, it no longer would allow me to do so.I made calls to customer service requesting they repair the issue for the next few months also making payment through the representatives. The process to do the payment this way took in excess of 15 min on average. The bank did not care that they wasted my time and after a few months even the representative could not find my account. I told them that I would resume payments when the system returned to working order. After three or four months they resolved the issue and i returned to making the payments. The bank began changing my payment amount and adding late fees and interest and  increasing the payment. I spoke with someone from the corporate office and he denied any issue with the system ever having happened and said to bad that they would not remove the fees, interest or return the payments to the original amount. The paper work I have from the purchase says nothing about late fees or interest just that the amount is to be paid in full within 48 months and minimum payments.
Product: Debt collection

Stellar recovery place a bill on my credit report without sending me a written notice. Also never left me a message to call. I received an email thru my credit alert about the bill.
Product: Student loan

I have sent payments for the past 6 months. The day they are scheduled to be made they are in pending status not " processing '' or even paid. So currently I accrue interest for an extra few days because they refused to accept my payments date. I have a payment scheduled for today and it says " Pending ''. The money is in my account to be withdrawn now it will not drawn until so I accrue more interest until Monday. I try to make payments early to prevent more interest being gained. Essentially I schedule a payment then they wait two or three days to process it.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your TransUnion reports.