23daVinci/CFPB_Complaints huggingface dataset:
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 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-XXXX ) 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. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Amount : {$2200.00} ( Charge-off )
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA I need this unverified address on Experian will not delete this address I have no relation to. I had XXXX XXXX XXXX XXXX XXXX IL XXXX that's not my address and Experian will not remove it and add my new address
Product: Prepaid card

I am homeless. My phone and wallet were stolen. I had a new card issued and direct deposit set up with credit karma and they accepted my funds on an account that is not active. Now they refuse to give me access to my money and kept my money. They refuse to close my account. Why would credit karma accept my employers direct deposit of my pay knowing they have my account locked and inaccessible to me. They absolutely refuse to give me my money and I worked for it. I am homeless and want my money
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within four business days.

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for one year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported.

I have contacted TransUnion multiple times regarding these fraudulent accounts and inquiries on my credit report, and no solution has been provided. I am deeply affected as this information is not mine and it is harming my creditworthiness. I request all documentation proving that these accounts and inquiries are legitimate. I have requested a response from this agency, and after more than 60 days, I have received no response.

Please assist me in removing these accounts and inquiries immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

My student loan has been in the deferred status since I am currently back in graduate school. Recently, I got notified that my loan is $ 600+ PAST DUE. I believe that I have " used up '' all my deferred time ( 60 months ) and that my loan is to be start paying back however, there has been NO communication on due dates and repayment plans despite mulitple calls to the company. I am trying to lower my monthly payment, and get my cosigner OFF the loan. I have applied 3-4 time to get my cosigner released with NO explanation as to why and how I can get him off. I have paid 12 months worth of monthly payments to them in a lump sum with no results. I have asked about the income driven repayment plan and keep getting denied. There is NO communication to when my loans are due. When i log onto my student portal it says my loan is DUE XX/XX/19. The start of my repayment yet I am already $ 600+ PAST DUE? IT MAKES NO SENSE. I have tried diligently to work with this company and we have reached no resolve. How do you expect timely payments when you don't inform your customers? You are setting us up for failure.
Product: Debt collection

WESTLAKE FINANCIAL KEEPS CALLING ME OVER AND OVER WHILE IM AT WORK, AND EVEN IN THE EVENING!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The below has never been taken off my credit report and I was not told the disput was finished. 


Past Disputes XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX Item Results Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report. 
Dispute Reason Accuracy : This account is included in my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Mariner Finance sent a check to be cashed as a loan. My husband XXXX XXXX XXXX cashed the check using his driver license. XX/XX/XXXX my son XXXX XXXX XXXX Credit report was showing loan and that is was late. I called the local branch and spoke with manger XXXX XXXX he asked for us to send social security cards and that he would correct the information. XX/XX/XXXX the information was correct and put on XXXX XXXX report but then they reported the account is charged off and in collections. We made our payments on time and called the branch on 3 different occasions to ask for this to be corrected. The assistant manager in XX/XX/XXXX asked for me to email showing how it was being misreported so she could correct it. I sent it and never heard back and report is still being reported wrong. I called back several times asking for Mr.XXXX  to call me back to have this fixed and get no call back. I have disputed with credit reporting agencies only to come back information is correct. We paid this loan off early. This misreporting is causing us undue stress in causing his credit score to be low due to the misreporting. We have done everything as a consumer and this business has done nothing in correcting there problem even though they admit its incorrect!
Product: Debt collection

The credit agency reporting it on my credit report is XXXX XXXX XXXX XXXX But the original creditor is XXXX XXXX XXXX XXXX This was not me, I XXXX it and it said that it was a emergency room in XXXX Louisiana I live in Texas, I have never even been to XXXX before. This was not me.
Product: Credit reporting or other personal consumer reports

There r names on my credit report. Transunion my address says Georgia. Please help take that offf as it is not my address. Also on experian it has my name as XXXX XXXX please take off and my birthday is XX/XX/XXXX not XX/XX/XXXX. And on XXXX the address are wrong. Iowa I never lived in, XXXX XXXX XXXX XXXX Nebraska, XXXX XXXX XXXX in XXXX California, XXXX XXXX XXXX XXXX ny, and XXXX XXXX XXXX XXXX XXXX please take off. I have filed a data breech settlement report with XXXX and need help to protect my identity. I had fraud which caused me to close debit card and XXXX dollar loss and had XXXX usd lost in XXXX account compromised loss and XXXX ; XXXX in remitely transfer loss scammed. I also ask compensation for losses and for time spent for days if calling experian and my bank account having to be closed 3 times in XX/XX/2023 and over XXXX hours with time spent due to the data breech from XXXX and fraud. It also caused me to not have a credit report score and I was denied a cc. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The list of accounts above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a purse share, not furnish any information related to a customer to any custom report agency , if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Bank account or service

I received a fraudulent check as the result of responding to a job opportunity posted on a XXXX University website. I deposited the check in good faith to my personal BB & T account and, in accordance with instructions from the unidentified perpetrator of the fraud, I withdrew funds from that account when advised by BB & T that said monies were " available. '' In turn I deposited {$5000.00} to a Wells Fargo Account - the name and number of which I was given by the perpetrator and I wired {$300.00} to a person whose name was also given me by the perpetrator - in CA - also as I was directed. 
There is ample evidence that I did not benefit financially from this scheme. I was not made aware of the fraud until XX/XX/2016 when BB & T froze my account and confiscated the remaining balance, including approximately {$400.00} of my own money that pre-dated the deposit of the bad check. Subsequently, I have cooperated with BB & T branch employees at your XXXX office, the XXXX Police Department, ( Det. XXXX, XXXX, ( File XXXX ), and XXXX University, ( Investigator XXXX, XXXX ), who, in-turn, notified XXXX Bank, ( Investigator XXXX, XXXX ). 
Besides taking the balance of funds that pre-dated the bad check, BB & T is threatening legal action against me, including the filing of adverse credit reports with various credit reporting agencies. I have been told by persons who have examined a copy of the fraudulent check that BB & T should never have deposited it in the first place because the check itself bears an admonition that " two signatures are required if over {$5000.00}. '' ( The check shows only one signature and it is illegible. ) If the banks mistake in depositing the check is the source of all subsequent problems, including the loss of more than {$5300.00}, I would like BB & T to admit their mistake and forgive me the debt they are pressing to collect..
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX I am writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list. This company calls and requests information about me without even validating who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company 's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that these items be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. 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 respectfully request that your offices provide me with your purchase agreement for this debt and any competent evidence that I have any legal obligation to pay you.
Product: Credit card

I signed up for an SPG credit card through AMEX with a welcome bonus of XXXX SPG points after XXXX spend in 3 months. The first time I applied it gave an error on the page, but the application still went through. So I applied again. One card was sent to my old address and the second was sent to my current address. I spoke with customer service and they advised me to cancel the card sent to the wrong address. After I spent XXXX dollars I never received my bonus, when speaking with customer service they informed me that it is a once in a lifetime bonus and since it was my XXXX card I was not eligible. I explained what happened and they said that they would forward a letter to another department and almost certainly due to the situation I would receive my bonus points after 6-8 weeks. After 8 weeks I contacted them again and they told me that they decided not to give me the bonus points, but they could forward another letter and I would have a decision in up to 8 weeks! I feel like they are just giving me the run around, when clearly I never received the 1st card and it was sent to the wrong address. Also the first customer service rep advised me to cancel that card.
Product: Consumer Loan

My husband and I have been separated since XX/XX/XXXX. He is XXXX ( XXXX ) and goes through XXXX of running credit to see who qualifies him for a loan and when he gets qualified he acts like he won the lottery. He has been doing this since our separation. Now that his credit is maxed out and is no longer getting approved for loans he has gone to the extent as putting me on as the co-signer without me knowing. This happened two weeks ago XX/XX/XXXX with USAA. He ran an online application for a loan with USAA since he did n't qualify for the {$10000.00} loan he dishonestly put my social security number as a co signer. He got approved for the loan. USAA, very well known bank/insurance for military -- well they, never contacted me to inform or verify with me that there was a loan being processed under my name and I was the co applicant. I only got an email after the fact saying congratulations your loan has been finalized call us immediately if you did not apply. Well I have gotten nowhere with USAA. I placed a police report sent them everything possible to prove to them that I did not apply. I am trying to deal with this along with finding a full time job, take care of my child and get this marriage over and done with. I hope banks and credit companies understand that this is a serious issue. Just because one is married does n't mean one spouse has the right to run your credit without my knowledge, companies should VERIFY with applicants AND CO APPLICANTS. Apparently, he applied on line he e-signed everything and USAA never verified. Everytime I call USAA my account is locked for investigation " we can not open your account '' all the agents tell me I will get called 24-48 hours from today. This has been going on for two weeks now. I will never trust military banking for anything especially this one. It is used by many military and overseas as well and I am left to just wait ....
Product: Student loan

XXXX XXXX who is under a loan servicer called Loan Science have incorrectly reported incorrect information on all three credit reporting agencies. They reported that I was 120 days past due with my loans, which I am current. I have been paying my student loan payment of {$76.00} every month, which I have proof that it has been taken out every month for about 4 to 5 years. Two weeks ago, they reported incorrect information on my credit report that I was 120 days past due, which I was not and I am on the phone with them now and they do not know why that happened. They caused my credit score to decrease to almost 200 points from an XXXX. I am HIGHLY upset because the company had a system error or something. I want this correct immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  mailed a letter stating that the servicing of the loan was changing to XXXX Bank effective XXXX XXXX and to remit payments to XXXX Bank thereafter. 60 days of no late payments until complete. After XXXX weeks of calling back to XXXX Bank no official letter no official new mortgage account. I was then advised by XXXX Bank to call back to XXXX Mortgage. I called XX/XX/XXXX AmeriSave neglected to send correspondence stating they had retracted the service change to XXXX Bank charged a late fee for the XXXX payment then after requesting that it was unfairly imputed due to their violation in timely correspondence. The late fee was waived as a courtesy and now a negative report to my credit reflecting a XXXX point drop to my credit report showing a late payment on my mortgage. I believe this is fraudulent and purposed to cause harm after filing a complaint with my Alabama attorney generals office.
Product: Mortgage

ditech has increased our mortgage despite our XXXX 2016 escrow payment of {$320.00}, which should have been applied to our escrow balance. The subsequent mortgage increase of {$27.00} has been paid timely each month yet we continue to receive harassing telephone calls and unwarranted overdue mortgage statements from Ditech Mortgage Company.
Product: Mortgage

I refinanced my Mortgage with XXXX XXXX XXXX. Soon after, the mortgage and the home equity loan were both either sold to or turned over to SLS ( Specialized Loan Servicing ) to servicing. 
They have proven to be totally incompetent. I have called them on numerous occasions to complain about accuracy of statements and receiving multiple statements per month, each with different information. 
I called them again this morning, pretty upset, that I currently have XXXX separate statements from SLS for my Home Equity Loan. 

Here is a recap of the current XXXX statements I have from SLSAll XXXX state a due date of XXXX/XXXXDated XXXX : ( Why am I getting a statement a full two months before it is due? ) Amount due XXXX : {$50.00} Late fee if not paid by XXXX $ XXXXXXXXDated XXXX : Amount due XXXX : {$50.00} Late fee if not paid by XXXX : $ XXXXXXXXDated XXXX : ( apparently I have a credit? ) Amount due XXXX : $ XXXX Late fee if not paid by XXXX : {$2.00} ( why would there be a late fee or a due date if I have a credit? 

Dated XXXX : Amount due XXXX : {$50.00} Late fee if paid after XXXX : $ XXXXXXXXAs you can see, XXXX different statement dates, all say due on XXXX, yet all XXXX provide conflicting information. 
This is absurd. I do not trust these people with my money. 

I would like to know:1. 
Does XXXX XXXX XXXX still own the loan, or was it sold to SLS? XXXX XXXX XXXX tells me they sold it. SLS tells me they do not own it, are only servicing it. 
2. 
I put my trust in XXXX XXXX XXXX. I do not have any trust in SLS. I do not want them handling my money because they do so in such an irresponsible manner. If, indeed, they only service the loan - how can I have the servicing transferred to another company? 
3. 
What is SLS? Are they are servicing company? A bank? A debt collection agency? I am told different things by SLS, depending on who I speak to. On the back of their monthly statement it says " This communication is from a debt collector '' I hate to think that my mortgage and home equity loan are both owned by a debt collection agency? How can that be, when it was financed by XXXX XXXX XXXX and it has never been paid late? 
4. 
What can I do to ensure they fix the problem of multiple monthly statements, each containing different payment information? 

5. 
Mostly, what can I do to rid myself of SLS? 

Thank you, XXXX XXXX.