23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

No specific dates. I can guesstimate XXXX time frame because it was prior to my son being born. The original loan was acquired from XXXX XXXX XXXX off XXXX XXXX in XXXX, FL ... eons ago at this point. {$400.00} something dollars... When it landed at National Credit Adjustors LLC, we were in a bad financial position. However, paid off completely in XXXX to National Credit Adjustors after someone tried to scam us from a totally different company. It was reported to the XXXX XXXX XXXX. They were using my card to pay XXXX XXXXXXXX XXXX and their XXXXXXXX XXXX bill in Georgia. Well fast forward to XXXX XXXX - we are STILL getting threats and calls to be sued despite an email confirming payment from the credit Adjustors as well as a legal note saying we can not be sued for this debt. Now it just happens to be new characters that have false information in hopes to squander more money off a family who can barely afford to put food on their table! My kids can barely enjoy XXXX twice a year and they want to take our spending cash for themselves. It's just simply disgusting. It's selfish, rude and despicable behavior for a grown adult to commit fraud and theft for their lavish lifestyle. XXXX XXXX and XXXX XXXX as they've said their names are, who really knows, but have provided us their fax number as XXXX. In the voicemail they say they are a " Private carrier from the county, we will visit your job and require identification and signature ... '' Their call originated from XXXX and came up as Scam Likely.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am a victim of XXXX data breach i have had my account hacked many times here are some documents to prove and back support that 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Mortgage

On XX/XX/2021, I sent a request to Freedom Mortgage via their website message center to remove the escrow account they set up. I had closed on this loan at the end on XXXX & prior to the loan application submission, when the loan officer was discussing the payment breakdown, I became aware that they were setting up escrow. I asked if we could just pay the insurance and taxes on our own & they pushed back because it was going to be more work to redo the application or something. They said we could just cancel the escrow once the loan closed. 

I sent my first request on XX/XX/2021. I hadn't received a response so I called their Customer care department on XX/XX/2021 & was told I had to submit an e-mail to their customer care department, which I did the same day. 

Several days later, I noticed that they had adjusted my payments to reflect no escrow on their website so I thought the issue was resolved. Just before I went to make my first payment, I noticed they added the escrow back. 

I then received a response in the message center on XX/XX/2021 that my loan needed 12 months of maturation before they would even consider this. 

I sent a reply on XX/XX/2021 explaining that their loan officer, who set up this loan, did not say anything about a 12 month wait. I explained to them I had no intention of using this XXXX  account for payment of bills & requested agin that they cancel it & refund my escrow  balance. I pointed out that someone had briefly changed my account already without an escrow deduction & then someone changed it back. 

They sent a response on XX/XX/2021 reiterating that I have to wait, at least 12 months, citing some reason about the loan investor guideline. They also said they had no record that escrow was briefly removed, which I am sure there is some type of electronic transaction record in their software. They also made a statement saying that underwriting guidelines may have required an escrow for approval reasons. 

We put 20 % down for our townhome. Our credit scores are excellent. I find it hard to believe the assignment of escrow was the deciding factor in our loan approval. 

This company has acted in bad faith regarding this matter. They are withholding money from me that is not accruing interest or paying down principal.
Product: Credit reporting or other personal consumer reports

i dont recognize this company and they used my information without my consent.
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 ( 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 Ive marked inaccurate : 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

I'm trying to have this item move from my credit report, causing problem, paid off
Product: Bank account or service

I have been reported for : SUSPECTED FRAUD ACTIVITY according to XXXX byBANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX opened a checking account with Bank of America over the internet XXXX 2010, Once notified, I went to the local bank on XXXX XXXX XXXX, XXXX XXXX and signed the signature card, etc. A few days later I tried to log into my account and it had been closed. I was upset since I had money in the account, so I went up to the branch. The guy said the account had been closed and would not offer any reason except that I would never be able to have an account again and they would mail me the balance from corporate. 
This is very concerning since I never did anything wrong, never overdrew the account or done anything at all. I am just now finding out that this was reported as suspected fraud activity. 
I would like to know exactly what I did that was fraudulent. I want this removed from my record. This is totally dishonest behavior by the bank.
Product: Credit card or prepaid card

My credit card has been compromised multiple times with the company Synchrony Home. 

FIRST TIME : I didn't even receive a credit card, it was some stolen before it even reached me. I noticed that there was a crazy amount of charges within the first couple of weeks after opening the card. I called to report the fraud and get the account closed with a new card sent. The individual that had my credit card was able to access my account via phone and change the personal info. I requested that synchrony correct the personal information and expedite a new card to me .... a week goes by NO NEW CREDIT CARD ... low and behold they never corrected the address and sent a new card to the individual making these fraudulent transactions. Where the individual made more fraudulent transactions. - It took 3-4 weeks to get a new card sent to me and almost 3 months for the fraudulent transactions to be removed from my credit card. 

SECOND TIME : ( MOST RECENT ) An outside individual somehow was able to obtain my Credit Card # and able to access my account via phone with a customer service agent and make changes to my personal information ( address/phone # ). This individual was also able to request that a new credit card be sent to the new address. If it wasn't for the email I received regarding the changes, I would have never known. I asked if I could add a security question or pin to my account for extra protection. The lady stated they do not " do that ''. 

My complaint with this company is that they do not have additional security in place to stop an individual from gaining access to an account. Anyone can gain access to an account by solely providing the account number ( aka credit card # ). 

Their way of fixing an issue is closing an account and sending a new credit card to you .... if they have the right address on file. If not, you will be repeating the same steps all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to Equifax requesting a block on information they are reporting on my credit report due to this information being fraudulent. I am a victim of identity theft so per the steps at FTC.gov I sent this letter along with a copy of my drivers license, social security card, a copy of section 605B of the Fair Credit Reporting Act and a copy of my FTC identity theft report and per the letter they had 4 days to respond. 

Instead they sent me a letter stating at this time they were not blocking information on my credit report and they were just going to contact the creditors about my dispute. Then the letter states if I want them to block I have to send proof of my identity, the specific information of identity theft, and a copy of my FTC identity theft report. I sent all of these documents along with my letter, so they should have blocked everything requested to be blocked. I believe Equifax is violating my rights as an identity theft victim and were just looking for additional time, therefore they sent this letter to me to delay the blocking.
Product: Credit reporting

I am putting in a complaint against Trans Union Because since XXXX of this year I have been trying to split the merge between my twin brother and me. My brother has been a XXXX for a few years and I have recently gotten my XXXX. I have been living at my brothers house as he is the one who requested me to the XXXX. I have been calling repeatedly and trying to fix the issue where I have not been able to access my free credit report. Trans Union requested for a copy of my social security card which i sent to them already on several occasions. They claim that my file is being sent to the maintenance department and that the problem is going to be fixed yet they do not end up fixing anything. Today i called to get a follow up and once again i spoke to a representative whom this time made the situation worse and finished merging XXXX files together now me and my brother have only XXXX file. This has been an ongoing situation and I am already frustrated in trying to get this matter resolved
Product: Mortgage

My mortgage loan was modified in XXXX by XXXX XXXX at that time an escrow analysis was completed and my payment increased {$17.00}. My loan was transferred to American Financial Resources in XXXX XXXX. I recently recieved a statement from this company advising that I have an escrow shortage of {$2000.00}! I called and spoke with a customer service rep who was rude, and basically told me yes the previous servicer did not complete an escrow analysis which is a direct result of the large shortage but we cant do anything about that now as the new servicer and the funds were already advanced to pay your taxes. This is a clear RESPA violation that no one wants to take responsbility for and put it on the consumer. This money should not be only me to come up with this is the servicers error and they should take full responsibility and take the loss! I then emailed the servicer requesting an escrow spread as I do not have the funds to pay the shortage in full and beginning XXXX/XXXX/XXXX they are increasing my payment {$180.00} to cover the shortage over 12 months. I can not afford this error that was not mine I pay my mortgage payment and it is the responsibility of the servicer of my loan to pay my taxes and insurance out of my escrow account and to also review annually to ensure funds are available for these advancements. I am a single mother, living paycheck to paycheck and i refuse to be taken advantage of my money is hard earned! I have not heard anything back from the request to spread the escrow shortgage over 5 years and the request was sent XXXX/XXXX/XXXX. I will not stop here with the complaints I will make a RESPA complaint as well as go to the media and social media if necessary, please help!
Product: Credit card or prepaid card

I applied to FORTIVA CREDIT CARD company and they have committed adverse action against me by denying me credit based off of my income as well as my history of use of credit. I was discriminated against by FORTIVA CREDIT CARD company. They utilized my credit without my authorized use in order to communicate with 3rd parties. I exercised my right to credit in good faith and was denied. This is a violation of my rights as a consumer pursuant to the Equal Opportunity Credit Act codified in 15 USC 1691c, 15 USC 1692K, 15 USC 1691, 15 USC 1642, USC 1681M, 12 CFR 1002, 15 USC1681N, 15 USC 1681O, 15 USC 1602F, 15 USC 1602G, 15 USC 1602L, 15 USC 1602P, 15 USC 1691A3.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The credit reporting agencies have inaccurately attributed a bankruptcy listing to the US Bankruptcy Court as the source of this information. This data can not be substantiated or validated, as the courts do not engage in the verification of bankruptcy listings. Instead, this information was obtained from a third-party reporting agency and should therefore be removed. 

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), if the credit bureau is unable to validate information with the original creditor, they are obligated to remove it from the consumer 's credit file. The Bankruptcy Courts have also confirmed that they do not furnish information to credit reporting agencies and do not validate or confirm public records. These records are collected by credit reporting agencies and third-party providers, and they are not validated by the U.S. Court system due to privacy laws. 

Inquiries made to the U.S. Bankruptcy Courts have verified that XXXX Credit Bureau has never validated or verified these public record entries on my credit report, nor will they do so in the future. It has been emphasized that the U.S. Bankruptcy Courts are not liable for the misuse or dissemination of incorrect public records, often reported by third parties without the consumer 's knowledge. 

Given the potential violation of the Fair Credit Reporting Act, I am requesting the immediate permanent deletion of the bankruptcy information associated with my social security number from my credit report. XXXX Credit Bureau is also required to provide me with copies of all documentation related to these Public Record Accounts, including any court orders or authorizations bearing my signature, which would authorize the inclusion of this information in my credit report. 

To comply with the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are obligated by federal law to physically verify the original signed consumer contract and/or judgments for all accounts and public information reported on credit reports. Failure to do so could lead to the inclusion of fraudulent or erroneous account information. 

If this unauthorized public record information is not removed from my credit report within the next 30 days, I reserve the right to pursue legal action against the XXXX XXXX XXXX XXXX. I will seek damages of no less than {$5000.00} for various reasons, including but not limited to defamation, negligent enhancement of identity fraud, violation of the Fair Credit Reporting Act, and Consumer Financial Protection Bureau regulations. 
Please make these credit reporting agencies comply, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and I noticed a few accounts that I wanted a little more explanation on. Im not saying that they are reporting right or wrong Im saying that I am not 100 % sure if they are. I also read something called a Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? I heard if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 % right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and XXXX where this lawyer said you have 30days to complete this investigation. Please investigate the following accounts and remove them if anything is missing and correct them, XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete -BANK XXXX XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX  account # XXXX Cancel Contract. Please provide the original contract or delete. 

-XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-Date of birth on all three credit bureaus XXXX with no month or date. Please Delete XXXX & XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-XXXX account # ( no account number available ) Cancel ContracXXXX. Please provide the original contract or delete. 

XXXX XXXX account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

-XXXX XXXX account # XXXX ( Has NO LATE PAYMENTS ) Please Correct I demand the following accounts be verified or removed immediately. I also read where I can get the updated report after you investigate this form, the XXXX XXXXXXXXXXXX XXXX said. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Product: Debt collection

Company NEVER sent verification of debt I never received notice of debt before applied to credit never received anything in writing multiple calls outside of business hours. 
Sent cease and desist letter awaiting response and removal from credit. Shows as open and past due. Also, National Credit System has no license to work in Texas per the XXXX XXXX XXXX XXXX XXXX. Below is copy of the letter sent. 

Dear National Credit Systems, I am writing to formally request that your company, National Credit Systems, cease and desist all communication and collection efforts regarding the alleged debt associated with my account, XXXX pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 ( b ), I am exercising my right to demand that you refrain from reporting any information about this debt to any credit reporting agency. 

Please take note of the following details related to my account : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX I dispute the validity of this debt and request that National Credit Systems provide verification of the debt as required by the FDCPA. Until such time as you can provide adequate verification, all collection activities must cease immediately, including any reporting to credit bureaus. 

Please consider this letter as a formal notification under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

Furthermore, any further attempts to contact me via telephone, mail, or any other means except to confirm receipt of this notice or to provide requested verification will be considered a violation of the FDCPA. 

Please send all future correspondence regarding this matter exclusively through written communication to the address provided above. Your compliance with these requests is expected and appreciated. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX Repossession XXXX XXXX - Charge-off XXXX XXXXXXXX Charge-off XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX Charge-off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Experian to ask why my credit score dropped XXXX points from XX/XX/XXXX to XX/XX/XXXX. During the time of XX/XX/XXXX to XX/XX/XXXX I have paid off almost all of my credit cards. I went from 29 % to 1 % credit card debt. My score on XX/XX/2021 was XXXX then as I continued to pay down my credit card and other debt my score dropped XXXX points. I have reached out to Experian on several occasions with no response other than there are old things on my credit report that could be affecting my score. I am also writing to ask for your help with understanding why there are some of my accounts that aren't updated regularly. How can they provide an accurate account of my credit if they are not accurately reporting the truth about my credit history. If potential creditors are looking at their information they are getting the wrong picture of my credit worthiness. Why are they allowed to provide inaccurate information? 
I have an XXXX score on XXXX XXXX I am not sure what my score is on XXXX  as they don't have a free site.