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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that I have marked inaccurate XXXX XXXX XXXX, XXXX
Product: Mortgage

We have a loan that closing date was XX/XX/2022 and a disbursement date of XX/XX/2022. It is now XX/XX/2022 and we have not received the funding wire from the Lender. 
We have reached out to all parties involved and they keep stating it will arrive. This is very poor lender operations and the CFPB should be made aware of the unprofessional actions of this lender. The buyer and seller have both been impacted with the delay in funding from the lender
Product: Mortgage

In XX/XX/2018 we purchased a Manufactured home from XXXX XXXX XXXX XXXX  in XXXX  XXXX, OR through Triad Financial. This was the only possible way to purchase this home at that time. It is a super high interest rate but we planned to refi within the first year. I even spoke to the Assistant VP/Manager at Triad, who assured me we would be able to refi this loan, no problem. During the past year we have been in constant contact with Triad either first hand or through a mortgage officer attempting to refinance this loan. Triad is refusing to give up the title to the home so it can be eliminated in order for us to refi. We have offered to put up the 5 acres of land we placed this home on as collateral, sign and file any neccessary legal documents of their choice and/or contracts so Triad will still have some sort of collateral during the refi processing time. Our property, with the home on it, is worth more than DOUBLE the amount we owe Triad for the home itself. We owe them $ XXXX  and our appraisal came back at $ XXXX. Triad Financial refuses to work with us on this even though we have the assests and are willing to let them file a lien against the property. Our mortgage lender and us feel they are being lazy and deceitful trying to keep us in this high interest loan. We have spoken to several different banks who ALL agree. This company is gouging the average american and this is not right.
Product: Checking or savings account

On XX/XX/24 I received a notice from BMO that my password had been changed. I took no such action and immediately call The BMO customer service line and Reached XXXX XXXX I informed her of the situation and she stated that she had to verify my Idenity. She proceed to send me a text and asked me to repeat the number on the text to her. The text clearly stated " We never call to ask for this code '' I informed XXXX of this and she stated that with out the code, she could not verify my identity and proceeded to lock me out of my account and hung up on me. After XXXX, I reached a person in their customer resolution department who would only provide her oiperator number XXXX. I asked for XXXX 's supervisor and XXXX stated she did not know who XXXX was. XXXX insisted that she had to send me a text and I have to read that number to her. I informed her that the text said " We never call to ask for this code '' she just kept insisting that she must verify my identity that way. I asked for her supervisor and she stated " that she can not request a supervisor until she verifies my Identity through text '' I asked agian for a supervisor and she stated that '' upper management does not talk to bank customers '' I then informed her I would walk into a brannch and requsted a call back from uppermanagement. I walk into BMO 's XXXX XXXX branch and was treaded as if I were guilty berfore I could prove myself innocent. I spoike with XXXX XXXX and asked him if I could speak with upper management. All he claimed he could do is verity my Identity and unlock my account.. I asked him to open a case and for a call back from upper management..
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy 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 submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Someone has been using my information and using an address I never lived at. 

Account name XXXX  XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX  Account name XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Number : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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: Mortgage

Lendingtree is using deceptive practices to pull your credit information and give to 3rd Party vendors without you being aware. Their website is setup in a way where the consumer answers very generic questions about your home, then they ask for your name and DOB. Buried deep within disclaimers they claim the consumer electronically signs and gives consent for them to match the information you give to pull credit report information and your SSN to give to 3rd Party vendors. There is no way a consumer has any indication they will use this information to pull your social and its purposely designed this way. They also claim you give up all your rights with your electronic signature. There is no where during the process that explicitly states you are electronically signing anything. This needs to be stopped and not allow them to hide behind hidden disclaimers hidden deep within their website which says you agree if you browse their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never was my addresses XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed outdated addresses, incorrect names and inquiries that I did not authorize on my Equifax credit report. I submitted a letter twice, one on XX/XX/2020 via mail and XX/XX/2020 via fax and mail requesting that the items be removed. I did not get a resolution into this matter. I even submitted a fraud report to let them know that there was fraudulent activity on my account but all I got back was a generic letter which was around XX/XX/2020. It took 60 days for them to respond to me, when XXXX  and XXXX  were able to remove these fraudulents inquiries and outdated information from my credit report with no problem. That is unacceptable when my credit is at risk, which may have been due to their security breach and they move so slowly to respond and when they do they do not resolve the issue at hand.I am also working with creditors in regards to accounts that do not belong to me. I understand Covid-19 but when other credit bureaus are able to respond to consumer disputes in less than 30 days, why in the world is it taking Equifax 60. Is that not a FCRA violation? I want the old information removed any incorrect spellings of my name removed and these inquiries that I did not authorized removed. I had a fraud alert placed on my credit report because of the fraudulent information that I discovered.
Product: Checking or savings account

There is a security breach/ cyber-attack with Chase Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was a total of three unauthorized transactions that happened with my account. One was for {$200.00}, the other was {$320.00} and the last was {$500.00}. When I first contacted XXXX about the {$1000.00} missing from my account, they said it was up to Chase Bank because there are the responsible party at fault and they are just a third party company. 

When I tried to address the issue with Chase, they said it was XXXX 's problem and they would issue a temporary credit pending an investigation. They did credit my account. After a few days, Chase reported that the money stolen from my account was authorized and they debited my account for {$1000.00}. 

Soon afterwards, I filed a police report and I along with my father XXXX XXXX walked into the Chase branch located XXXX XXXX XXXX XXXX, XXXX, IN XXXX. We spoke to XXXX and showed her the police report, and she called the investigation department for another investigation. To make a long story short, I asked Chase to follow the transactions and to press charges on the people who stole the money from my account. They declined. 

I asked for proof in writing that an investigation was done. They told me to come back in two weeks and they would mail them to the branch. I came back three weeks later and they said give them two more weeks.

Which leads up to today. Chase Bank said they would not provide evidence of any investigation and they wouldn't credit the account. Chase were no help. XXXX was no help and I'm sure they have insurance policies in place for such cyber-attacks.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies within consumer files.

Please re-investigate the below accounts validity within my consumer report that you maintain under my name. Please update these accounts to reflect complete and verified information. There are late payments that are erroneous and not matching up. I was never late for these payments, Please delete this inaccurate account if it can not be made complete and verified. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX These Laws Clearly state : Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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.

Standards established in the credit industry help ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be DELETED IMMEDIATELY OR UPDATED TO PAID ON TIME NEVER LATE, AS I WAS NEVER LATE FOR THIS ACCOUNT. Failure to do so may constitute willful non-compliance in this matter.

I have experienced great emotional and financial hardship over these illegitimate late payments as it has inhibited my opportunity to refinance one of my mortgages amongst other things.

Please complete this erroneous, inaccurate information on my credit report to PAID ON TIME NEVER LATE OR DELETE within 30 days of your receipt of this notice of dispute if this information can not be verified through your thoughtful and fair re-investigation. Please send me your results and update my consumer report accordingly. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Debt Collector is Business & Professional -- ->The are stating that I owe them the amount of {$1800.00}. The company is reporting that I have 9 accounts, that they are seeking collections for. The dates range from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( listed twice ), XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Charges from XX/XX/XXXX, XX/XX/XXXX, 3 are for XXXX XXXX : These should have been submitted to XXXX for processing, and patient liability. 

Charges for XX/XX/XXXX, and XX/XX/XXXX should have been submitted to XXXX for processing, and liability, XX/XX/XXXX, XX/XX/XXXX, and XXXX, These are all for XXXX XXXX , and should have been submitted to XXXX XXXX for processing, and patient liability. 

These totaled {$1800.00}, should be referred to the appropriate carriers, before trying to collect on the full balance. 

The account number varies for each date of service. 

Please review, and remove these accounts from my credit report, as they need processing from the carriers as stated above. 

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

On XX/XX/2022, Sallie Mae Bank reported 2 of my accounts as 60 days delinquent, thus creating a derogatory remark on my credit report. However, on XX/XX/2022, both accounts were made current prior to the 60 day late mark of XX/XX/XXXX. I have payment confirmation for both accounts proving the validity of accounts being current at that time. I have reached out to Sallie Mae Credit Reporting branch directly via mail and disputed twice on XXXX Dispute Center to get these remarks taken off. Sallie Mae is not approving the dispute and I am very frustrated with their practice in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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. I have never give any written instructions or consent to have my information published publicly.
Product: Mortgage

I attempted to apply for a loan modification for the past year but wasn't sent a package to apply until XX/XX/XXXX. I immediately applied but wasn't given an answer ; rather, a foreclosure was sent to me on XX/XX/XXXX, with a foreclosure date of XX/XX/XXXX. 

Yes, I fell behind due to undergoing XXXX back surgeries, XXXX, and high inflation, but I was willing to pay what I could to stay in my home and could afford the current mortgage of $ XXXX  monthly.
Product: Credit reporting or other personal consumer reports

Immediate Action Required : Security Breach Demands Resolution Within XXXX Hours Dear XXXX Representative or Appropriate Contact I am writing to express my absolute outrage and frustration concerning the alarming security breach that has exposed my personal information on your platform. The evidence I provide is indisputable, revealing a shocking negligence on your part. 
Unauthorized accounts linked to my name, including FIRST PREMIER, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX reflect a severe violation of your duty to secure user data. 
Inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX only intensify my apprehension about the incompetence of your security measures. 
The addresses associated with my profile, spanning multiple locations, and the list of phone numbers, indicate a gross failure on your part to protect user information. This is utterly unacceptable. 
I demand that you take immediate action within the next XXXX hours to : * Remove any and all unauthorized accounts linked to my name. 
* Conduct a thorough investigation into this security breach. 
* Provide transparent communication regarding the steps you are taking to prevent such breaches in the future. 
* Address the issues with late payments promptly. 
Failure to comply with these demands within the stipulated timeframe will leave me with no alternative but to pursue legal recourse and report this breach to relevant regulatory authorities. 
This is not a negotiable matter. Your immediate and decisive action is required to salvage what little trust remains in your platform. 

Sincerely, XXXX XXXX accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After filing a dispute with Experian about inquiries that are located on my credit report also supplying documentation from companies stating that the information on my credit report was incorrect and should be deleted all they did was update information instead of deleting the incorrect information. They receive documentation XX/XX/XXXX and updated the information the same date without verification
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Credit bureaus refuse to remove accounts created due to my identity being stolen and used for several years before the culprit returned to XXXX and stopped using and paying the accounts. As a result they hit MY credit reports and the bureaus refuse to remove them. I have sent all evidence to all XXXX bureaus, including a copy of the police report, FTC ID Theft report, and a letter from the XXXX  stating I was a victim of ID theft and must use a pin to file now and forever. But the bureaus insist they can't remove it " bc the information matches you '' - completely oblivious to how ID Theft works! They ignore all my correspondence and simply state they will not process it - siding XXXX the debtors who screwed up in the first place and should have never allowed these accounts to be opened!!! PLEASE HELP!
Product: Credit reporting or other personal consumer reports

Information is missing in the credit bureau is errors and didn't report and some information it's an accurate and I want him to be deleted out of my credit report because it doesn't doesn't matter the information and another credit bureaus it shows a late payments and some of them some of them don't and I want them to be fixed
Product: Debt collection

I sent letters to them disputing the alleged debt, but they ignored my request and fail to provide proof of claim as I requested. I sent several letters explaining myself as well as requesting to be provided with any contract, affidavit or agreements which would bear my signature and theirs showing that I was indebted to them, and they refused and never answered.any of my letters. 

All my Mail was sent by Certified Mail, Returned Receipt requested, and the were returned to me signed.