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

I am sending this complaint to address a persistent and troubling issue regarding the incorrect reporting of late payments on my credit report. Despite my numerous attempts to resolve this matter, I have yet to receive a satisfactory response, prompting me to formally dispute and request the prompt removal of these inaccuracies. 



I have been diligently working to rectify this issue, and it is disheartening to see that my previous efforts to communicate and correct the inaccuracies on my credit report have been unsuccessful. I am perplexed as to why my requests have seemingly been disregarded, particularly given my status as a victim of erroneous reporting.XXXX  XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2025 Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Equifax 's Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to formally file a complaint regarding Equifax 's ongoing violation of the Fair Credit Reporting Act ( FCRA ) as outlined in 15 U.S. Code 1681i. Despite my repeated disputes, Equifax has failed to update or modify inaccurate information on my credit report.

The specific issue pertains to an account that is inaccurately reported as [ state the issue, e.g., " open '' instead of " closed '' ], despite evidence confirming its correct status. Under FCRA 1681i ( a ) ( 1 ) ( A ), Equifax is obligated to conduct a reasonable reinvestigation of disputed information and either correct or delete inaccuracies within 30 days. 

Equifax has failed to comply with this requirement, leaving incorrect information on my report and causing unjust financial consequences. Reporting an incorrect account status violates the FCRA, which mandates that credit reporting agencies maintain accurate and up-to-date records. 

I request that this account be removed immediately from my credit report, as Equifax has been unable or unwilling to ensure the accuracy of the reported information.

Attached are the following documents to support my complaint : 1. A screenshot from Equifax confirming no late payments.

2. Correspondence documenting my dispute and Equifax 's failure to act. 



I trust the CFPB will take prompt action to address Equifax 's non-compliance with FCRA regulations and ensure that this matter is resolved immediately. 

Thank you for your attention to this urgent matter. I look forward to your response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you after going over my credit report that I never authorized the following Companies to check my credit report. I have a fraud alert on my credit report that should not have authorized any inquiries without contact or verification first that it is actually me applying for credit. 

These inquiries are from : XXXX ( XX/XX/2019 ) XXXX/XXXX  (XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX  (XX/XX/2019 ) By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your credit Bureau to my dispute. 

Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter.
Product: Credit card

Good morning, XXXX XXXX XXXX, I'm declining this response. I'm not sure if you knew that the XXXX XXXX was signed into Law. For Creditor 's to work with consumers with payments and ETC. the thing is you wasn't in my shoes during the XXXX disaster. How can you apologize and say what you said in your letter. As human being we all make mistakes nobody 's is perfect but I fill you are holding this account over my head purposely to prove a point, that's not how you do business or treat anyone of my race.
Product: Mortgage

To the CFPB this is concerning a complaint file previosly against XXXX, but at this point this financial institution have involved and other financial institution, the name of the financial institution is : Deutsche Bank Trust Company locate at XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, CA XXXX. This financial institution do not have legall right or legall standing do to the fact they did n't recall any endorsment or assignment and now they come to be part of strime fraud committed by all previous banking institution involved. In violation of Respa, Tila, Fair Collection Practice Act.I would like for CFPB to do a complete criminal investigation.
Product: Credit reporting or other personal consumer reports

I HAVE NEVER APPLIED FOR CREDIT WITH XXXX XXXX ON XXXXXXXX. 
I HAVE NEVER APPLIED FOR PERSONAL CREDIT WITH XXXX XXXXXXXX ON XXXX. 
BOTH COMPANIES HAVE BEEN NOTIFIED. 
THESE UNAUTHORIZED TRANSACTIONS FOR CREDIT ARE NOT MINE.
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/2023 about inaccurate information on my credit report. Equifax has admitted to causing me harm and to not protecting my file and information in their possession by allowing my information to be compromised in a data breach as well as causing me financial harm against my standing by allowing this to take place for years despite addressing this issue to them on numerous occasions. Equifax has retaliated by attacking my credit score while allowing inaccurate information to remain on my file. These accounts were medically discharged, and the federally mandated requirement of such evidence was delivered to me. Equifax claims that the accounts are reporting said inaccurate information yet have yet to provide any proof of investigation or reinvestigation but still benefits monetarily from such inaccurate reporting.
Product: Credit card

On XX/XX/year> I booked three flights through XXXX for XXXX airline tickets for {$650.00} per ticket for a total of {$1900.00} from XXXX XXXX. The terms were that if the flights were canceled within XXXX hours they were fully refundable. Our plans changed, so I canceled the flights within the XXXX hour time period and received an email from XXXX ( attached ) on XX/XX/XXXX stating that the full amount of {$1900.00} would be refunded to my credit card. 

Over XXXX weeks passed and only {$320.00} had been credited to my account. First, I called XXXX XXXX, but they said XXXX had to tell them the amount that needed to be refunded, as I did not book the flights with XXXX directly but through XXXX, so there was nothing they could do unless they hard from XXXX. I called XXXX and they acknowledged that I canceled the flights within the XXXX hour time period and was entitled to the full refund of {$1900.00}. They said it could take up to XXXX months for the full amount to be refunded. They also said that it was possible the credit card company already had the funds but were withholding them. 

I called the credit card company, FNBO ( an XXXX credit card ) and they said XXXX had only sent the {$320.00}, so on XX/XX/XXXX I filed a dispute. There was some confusion, as the charges were listed on my credit card as XXXX separate charges of {$650.00} ( as opposed to the total amount paid of {$1900.00} stated in the XXXX email as the refund amount ). I was told I needed to file three separate disputes for each charge separately -- that is, three different disputes in the amount of {$650.00} each, but one of those had to take into account the difference between the amount already refunded ( {$320.00} ) and the remainder owed, which was {$330.00}. 

On XX/XX/XXXX, the first {$650.00} was credited to my account. On XXXX XXXX, the remaining {$330.00} was credited to my account for the second charge. However, on XXXX XXXX the final refund amount of {$650.00} was credited on to my account, but then reversed by FNBO and recharged to my account again for the final {$650.00}. 

I called the FNBO dispute department and they said XXXX 's policy was that flights were non-refundable. I explained that all three flights were booked at the same time and canceled at the same time ( within the XXXX hour time frame ), so why would XXXX flights be refundable and not the third? I sent FNBO disputes the email from XXXX that stated the full amount should be refunded ( {$1900.00} ) and explained the situation again as a new dispute, but FNBO said my cases were closed and there was nothing more they could do for me. 

So, they insisted I would NOT receive a refund for the final {$650.00}, and this amount remained on my card. I paid it off because I didn't want to pay interest on money I didn't actually owe and I waited, hoping XXXX would send the full refund to FNBO, they would see their mistake, and finally refund the full amount. However, by XX/XX/year> the money was still not refunded. Hence my complaint here, to the CFPB.
Product: Credit reporting or other personal consumer reports

Unauthorized entries were not promptly blocked and deleted from my consumer report after being named in and ID Theft Report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am filing my complaint against XXXX XXXX, NewRez and Shellpoint financial, for violation of RESPA 10. Since XX/XX/XXXX, XXXX XXXX  has excessively escrowed my mortgage and failed to correct the amount while knowing it was incorrect. Since XX/XX/XXXX, NewRez/Shellpoint Mortgage, have continued to excessively over charge my escrow account, since purchasing my mortgage from XXXX  XXXX. The amount I'm being escrowed per year is XXXX for taxes and insurance, while my reported annual taxes and insurance for the property is only XXXX I have repeatedly requested verbally, and in writing, that the escrow amount be corrected, but both companies have ignored my request, and as of XXXX, NewRez, has sent me notices for filing foreclosure on my property, as well as sending negative reports to all credit agencies. I have continued to make my mortgage payment to NewRez, and have spent several hours on the phone with their reps to try and resolve the issue, but they continue to demand payment while seeking foreclosure, and damaging my families credit score. NewRez has also failed to pay out the full escrow amount they have collected for insurance, and continue to withhold the money, causing my insurance to be cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020I paid off a collection from XXXX XXXX Preauthpmt XXXX XXXX, XXXX XXXX That's how it show 's up on my account for {$58.00}. On my credit bureau says XXXX XXXX XXXX  # XXXX XXXX. They told me they would put a request together for Equifax  & XXXX  and rushed the request to get it taken off of my credit. I've made numerous phone calls to Equifax and they said I could dispute it. The problem is I can't dispute anything because I'm applying for a mortgage and the collection is dragging my credit score down. Please let me know if you can help me get this taken off of my credit. Thank you! XXXX
Product: Checking or savings account

XX/XX/2022 I was notified at XXXX of a {$500.00} charge with XXXX. I immediately reached out to chime to report unauthorized transaction. within three minutes following charge at XXXX I had phone contact with a chime representee. During this phone call at XXXX a second unauthorized charge of {$750.00} by XXXX  XXXX XXXX Chime phone call lasted 41mins and during this time chime stated they could not do anything while a transaction was pending however they could file a dispute once transaction had been completed. Chime also assured me that they where contacting merchant on my behalf at this time. My debt card was cancelled and I transfer the majority of my funds into another account. On XX/XX/2022 at XXXX I contacted XXXX  XXXX XXXX and was informed they had not been notified of unauthorized transaction and had no contact with chime bank. XXXX was also unable to to provide information. XX/XX/2022 at XXXX I filed chime dispute claim. Chime stated they would file both charges under one dispute claim and asked me to provided receipts of transactions. I continued to inform them I did not have receipts of charges I did not make. The only receipt I could provide was of a transaction made at XXXX show that I was instore and verify my location. 6 hours later at XXXX chime emailed to inform me of denied dispute. I then requested a copy of there supporting documents. Chime provide document. This document lists subjective, false and irrelevant statements without substantiating pertain information. This document also wrongly refers to me as a male.
Product: Mortgage

I have been having issues with our mortgage company over the past two years. This started out with our home not being assessed properly, thus raising my monthly mortgage bill about {$700.00} dollars. This was obviously not their fault because of how my house was valued. So, they allowed me to spread my payments out over 5 years, which was a good thing. So, my mortgage went from {$3300.00} to XXXX, to XXXX. I then asked the locality in our area to re-assess our home so that we could lower our mortgage payments. Once that was done, I received a refund for our school , county, and township taxes. I then asked our mortgage company if we sent them a check to go directly to our esscro for our taxes, would they be able to reduce our monthly mortgage payment. The response was that it would go down to around XXXX a month, which i was pleased with. That payment happened in XX/XX/XXXX. When I received my bill for XX/XX/XXXX, it was over XXXX! I called to ask why this was the case, and the response was that they use a formula that specifies what the monthly payment would be based on how much is owed vs. extending the payments, which did n't make sense to me. If someone would have told me that the XXXX payment for our mortgage would have raised my monthly bill, then I would have never made that payment, and I would have been happy to just deal with the XXXX a month payment! And to add insult to injury, I lost my job XX/XX/XXXX. So, I still owe a XX/XX/XXXX and XX/XX/XXXX payment. I 've applied for borrowers assistance from the mortgage company, but I am not confident that they will give me the assistance that I require to get my life for me and my family back on track. I am obviously frantically looking for a job so I can get back to supporting my wife and XXXX kids. Anything that you can do to assist is greatly appreciated!
Product: Debt collection

I will not be paying North American Credit services any money. I Don't owe a debt collector any money. I have health insurance. THEY are in violation of FDPA and I will continue to fill compliants.
Product: Mortgage

We signed on a mortgage with two other people. We never intended to live in the home. 
They could not qualify for the mortgage alone. agreed to sign with the and at first the mortgage was paid on time and everything was good. Then we learned that the mortgage was behind and facing foreclosure. We were able to modify the loan and take the two people off of the loan that lived in the home and we thought we would have been able to come off of the loan and the home would be in their name only. 
That they could and would be able to own the home with our names off of the mortgage. 
Well, that did not happen. they separated and finally divorced. After as i mentioned before we were able to modify the loan, we did not live in the home. We had an attorney and a real estate broker who came to us and convinced us to let them manage the property and collect the rent, they even selected the tenant and collected the rent. 
They were supposed to make the mortgage payments. They took all of the rent money {$48000.00}. that they claimed they did not collect. 
They would not give us possession of the property, we found got possession and now I am living in the home with my XXXX children. I am working and can afford to make the mortgage payments. All that I am asking is that the bank would work with me and give a chance to save the house. I am able to making a sizable good faith down payment if necessary.I ask that Chase would give me XXXX XXXX a chance to save the home and do what is right by making my payments for the home I now live in. Please help me and my children. At this point I never had a real chance to work with Chase. 
Thank You
Product: Money transfer, virtual currency, or money service

I was a victim of fraud while in the process of renting a home. I was provided with what I thought was legal documents. I sent thousands through Zelle for deposit, down payment and move in. The transaction went through with no notification. After finding out I was being scammed. I logged into my account to dispute the charges and all of the persons information was gone. I then called Zelle for months and did not receive any assistance on how to dispute the charges. I then called my bank and was told I would have to call Zelle. I agave to continue to call Zelle and did not receive help. Causing me to lose XXXX  of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been declined credit based on bankruptcy information being reported by XXXX XXXX XXXX at XXXX. The bankruptcy was removed from credit reports on XXXX of XXXX. I have been submitting disputes and request to XXXX XXXX to remove information in the remarks section of the credit trade line ( REAFFIRMATION OF DEBT CH XXXX ) or remove account from credit report, since the account was closed over 6 years ago and and they refused. The information from XXXX XXXX XXXX shows as 'Reaffirmation ' of a vehicle loan that was paid in full/on time in XX/XX/XXXX under the original loan terms. Personnel at transunion and XXXX advise that the 'Reaffirmation of DEBT CH XXXX ' Comments/Remarks should have been removed by XXXX XXXX XXXX XXXX and clearly indicates information that was purged on XX/XX/XXXX in XXXX. and personnel at XXXX, Transunion and XXXX advise that XXXX XXXX XXXX is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation CHXXXX ' is always indicative of a bankruptcy ; in this case, a bankruptcy that was removed from all Credit bureaus and tangential references since XX/XX/XXXX. This is the only line of credit that is reporting this information all credit lines regarding information of Bankruptcy has been purged or removed from credit reports. This remarks is hindering my ability to get better credit and creating a hardship for employment purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have CITI credit card since XX/XX/2017 and I've been on good standing by using it since I opened it ... it was my main card and I was using it a lot because I had an offer for no APR for 9 months and % 3 cashback and I was shocked before a couple days ago while I tried to make a purchase and it didn't go thru and i called the creditor and they told me that my card has been closed for delinquency!!!!! and they took my reward and refused to give it back to me ... i disagreed this over and over but no solution
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : XXXX 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 the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please CFPB forward the documentation to Flagstar Bank company. Thank you!
Product: Mortgage

XXXX XXXX In XXXX XXXX  I received a solicitation call from the individual listed below asking me if i need any help with my business. I explained that i was interested in purchasing a property but as it was commercial i dont think they can help me. The Individual stated that they do commercial loans but its rare. She requested that i send her as much information that i have about my finances including an executive summary i completed. On XXXX XXXX she stated that she is in receipt of the info and that she would be in touch. I have tried several time to get in contacted by email or call. she is slow to respond, and she stopped calling altogether. I also was contacted by a " branch in NY '' asking me if i was being helped but frankly i started to think i was being scammed and i sent her all my info, including that of my spouse. The last time i called it forwarded the email to another person because she was on vacation. However since I dont have an official application i didnt think he could help me. 

Vice President Business Banking- Relationship Manager PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX PA XXXX P : XXXX F : XXXX XXXX XXXX
Product: Debt collection

suing me for XXXX from crown asset management llc XXXX XXXX XXXX i do not recall this acct and never signed anything
Product: Credit card or prepaid card

I had filed a fraud claim in around XX/XX/2021 someone had stolen my edd debit card and emptied the account. A claim was filed but the BofA rep had not the proper knowledge of understanding of filing transfers separate from transactions, later brought to my attention when I contacted BofA to inform on the status of my claim. The rep explained the errors the previous BofA rep had made and he would note iton the claim., So he had to properly file the claim correctly. Also I received a notification from BofA about completion of review and concluded their original decision was correct.to my knowledge I have never known, received, any acknowledgement of any decision previously made by BofA regarding this matter.also it's been hard on myself having to deal with a bank that says one thing and is totally a false representation of what is preaches. They need to be held accountable for the neglect of following and conducting true process stated in cardholder agreement. Their reps need proper training on filing claims properly to avoid the dragging run around nonsense one has to overcome to get resolution. It is not fair to be serviced in a unprofessional practice over and over and over. Is there any true voice for we American people who work hard and pay fees for use of card by a bank who fails to improve it's service. May there be one day of goodness for easier and better resolution.
Product: Credit reporting or other personal consumer reports

I have been trying to get my Social security XXXX for over two years. I got a denial and wages were reported of {$57000.00} in 2023 to social security administration that are not mine, someone is using my social security number along with the last name I dropped when I got remarried.