23daVinci/CFPB_Complaints huggingface dataset:
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.

Items listed above, have 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 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Due to jobs loss for my wife in and reduction of income for myself, I started to get behind on our mortgage payments with Freedom Mortgage and started the loan modification process on XX/XX/2018. I sent in all the required documents, including Hardship Letter, Financial Package, W2 's, bank statements, and 4506t.etc. Freedom Mortgage for the past 4 months has made no progress on this loan modification application and seems to be requesting documents every month which I always provide. I've sent updated hardship letter, paystubs and bank statements and for some reason they still can not get to a resolution. I spoke XXXX agent id : XXXX on XX/XX/XXXX and she informed that Freedom had received all documents and everything was complete for review. Another rep call on XX/XX/XXXX and advised the same information and that I would have an answer on XX/XX/18. I called on XXXX to get an update and AGAIN, I was not told that More a bank statements are needed. What seems to be happening is I provided the necessary documentation and they sit on them for 30 days to let them expire ONLY to request new docs which now takes another 30 days for review. Also, my frustration lead me to contact FHA/HUD directly to see if they could be of assistance I have been dealing with XXXX XXXX ( XXXX who provide me ticket # ( XXXX ) and instructed me to send any documents directly to her and she'll forward to Freedom. I have since called back Freedom to file a formal complaint and inform them I will not be sending any more documents to them. I've also request a supervisor call me in this matter.
Product: Money transfer, virtual currency, or money service

$ XXXX is my Cash app tag I have had more that one occasion where I sent the wrong person money and proof I contacted them and let them know.

Neither time was this resolved by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX " Late Payments '' - XXXX, XXXX, XX/XX/2021 XXXX XXXX XXXX " Late Payments '' - XX/XX/2021 These companies shared Improper information on my credit report which is a violation of 15 USC 1692d ( 1 ) - damaging my reputation in regards to my credit report. Remove items and report positively on my credit report. I did not consent, nor benefit from the following information being reported on my credit report. Please fall in line with the laws that are set for consumers. Thank you in advance.
Product: Mortgage

I was recently as of 3 days ago, made aware of a lawsuit with Wells Fargo my mortgage loan provider opened in 2015 regarding failure to approve loan modifications. I had applied for a loan modification along with any other assistance available and I was informed I had to wait 12 months- on 2 separate occasions prior to the what I assume foreclosure. I called Wells Fargo in XXXX as I was trying to compile my financial records to clean up my finances and upload to XXXX for help. I was informed my mortgage was paid in full so I assumed that meant they got the asking price. I asked for the information pertaining to my loan and foreclosure and I was directed to XXXX XXXX XXXX who provided me the attached documents. I had zero knowledge of this paperwork etc. until I received it and I asked XXXX   about it and they told me to review it would be a waste of time as XXXX XXXX XXXX are a professional company who does this all the time. I also have had consistent issues with identity theft since last XXXX which included my computer, ID, birth certificate, medical records etc. and believe my phones given to me by different people when I had them were also stolen and hacked. I believe most recently I even was hacked last night and today as thats how I stumbled upon the class action after asking a friend why the deed to the house was still in my name after so long but had random names I have never heard of before on my paperwork. 

Is it possible we meet to discuss? I can be reached at XXXX or XXXX ( though I believe that address was the one hacked ), it would be best to call, meet live or email XXXX Sincerely, XXXX XXXX XXXX
Product: Debt collection

There is {$4200.00} medical debt that is a derogatory account on my credit report. It was closed on XX/XX/18 but is still being reported. I have disputed this debt numerous times to no avail.
Product: Credit card or prepaid card

Multiple charges were made with this card in XXXX when my wallet was stolen I have contacted the company several times to inform them that the charges were fraudulent the only thing they would tell me if ok we will look into it I have been getting the run around since XXXX this is affecting my credit score I have gotten absolutely no help with this at all my account is in the negative {$640.00} and they are telling me thats late fees which is a lie I have been getting lied to since XXXX I even tried to close the account I dont believe the closed it right away because charges were still being made on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect information and accounts reporting on my credit file : Please remove inaccurate personal information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Hill Py ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Equifax ) The following is reporting as a result of Identity Theft/Fraud : XXXX XXXX XXXX - Open date : XX/XX/2017 Bal : XXXX Please remove unauthorized inquiries : 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 filed bankruptcy years ago and included a XXXX XXXX XXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with XXXX and Transunion but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.
Product: Mortgage

Ocwen scheduled a foreclosure auction after the loss mitigation application was deemed complete by their underwriters, in violation of the CFPB 's prohibition against dual tracking
Product: Student loan

I have student loan with Navient and been trying to either lower my payments are get into a program that can help me pay off my loan and couldnt get no progress
Product: Mortgage

I disputed the inaccurate reporting from Carrington MS reguarding a 90 day late in XXXX 2015. Carrington investigated the issue and said that the information was indeed incorrect and that they would update the information, and it would reflect on the next reporting in XXXX 2015. There has been no update done to the XXXX credit bureaus. We are trying to close on a house and XXXX companies will not proceed until it is corrected. I have waited long enough and jumped through so many hoops to get this resolved. It has hurt our credit score and caused us to pay higher interest rates on purchases we have made. I have talked to Carrington MS and they explained that they did there part, and I was more then welcome to contact the research department by mail, which would take longer. I want the information updated and reported immediately, therefore we are able to close on our home and never deal with Carrington MS again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is latest proof of my claim of fraud. Previously, I have disputed items on my credit report due to identity theft for over 4 years. I had sent arrest and felony conviction information on the person listed in my XXXX Sheriffs report. Today, I am sending my supplement to the sheriff 's report I made in XX/XX/XXXX. I am sending previously sent documents but sending again for your convenience. I hope I am doing all that is right since I have never been in anything like this. I am sending the supplement to XX/XX/XXXX Sheriffs report, The XX/XX/XXXX Sheriffs Report, XX/XX/XXXX Judgement of Conviction on XXXX XXXX XXXX, Mississippi charges on XXXX XXXX XXXX ( Notice she also listed her name as XXXX XXXX ), Alabama Charges on XXXX XXXX XXXX. 
Please remove XXXX XXXX from my credit report :
Product: Debt collection

I received a phone call from one of my supervisor 's ( I am in a federal training program ) called me and informed me that someone was trying to get in touch with me and I only had 2 hours to return the call otherwise they were going to take further steps of action. Out of fear, I did return the call and it was a group called the XXXX XXXX XXXX out of California wanting me to make arrangements to pay off a debt that is not mine. Said they were representing Capital One Credit Card Company. I decided to pull up my credit report and also found where a credit card with the same company had been opened or {$300.00} 's and then paid off so apparently who ever is doing this has done it before. Supposedly the account was opened up in XXXX ( I think this is the date they told me it was opened. I was so upset I am not sure ) and paid on regularly until XXXX and then stopped paying on it. They threatened to freeze my bank account. I am on XXXX and can not afford to have my account frozen. They tried to get me to agree to pay off a {$310000.00} 's with a one time payment of {$900.00} payment and emailed me a contract pertaining to that. I have the phone number which they contact me on and there is a different phone number on this so-called agreement they sent me but no address. The first phone # is : XXXX. The phone number on the supposedly agreement is : XXXX Fax # : XXXX.
I kept trying to explain to this person that it was not my account. You can pull up my credit report and see that. Except the one I just found from Capital One which has apparently been paid off in full which I did dispute.
I contacted Capital One myself and I am waiting to hear from them within 48 hours.
Product: Mortgage

The amount of payments that have been credited to my account are inaccurate I have repeatedly requested documented details regarding the loan and have received nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, State Zip : XXXX SC XXXX XXXX Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot, consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXX  demanding the XXXX accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN AND XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Checking or savings account

Opened a Truist account online on XX/XX/XXXX, deposited money, got XXXX emails over the next few days everything was fine. Card was shipped, etc. Then I tried to check my balance on XX/XX/XXXX and was told it was shut down and I had to go to the bank. Went into the branch on XX/XX/XXXX spoke to XXXX and they verified my ID because it said that's what was needed. Then she saw it was closed for fraud, so she called the fraud department, they said they would get back on Monday. She called me today XX/XX/XXXX and told me to call the fraud department. I called them and they said I had to go to the branch, so I am back here now and they refuse to reopen the account because they cite fraud but they refuse to tell me how or what kind. I assumed it was because of my full legal name change last year, because that's what I was told by XXXX and that I'd need to verify myself at the bank. Except at the bank they say that's not the issue. Unbelievable they didn't try to verify my identification if they saw XXXX different names connected to my social security card. It's not fraud on my part but it would seem that way on theirs. I want this bank to apologize and give me a valid reason as to why they can't leave my account open.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of utmost importance regarding inaccuracies on my consumer report maintained by Experian. The purpose of this letter is to seek your assistance in rectifying the violations of consumer reporting laws perpetrated by Experian, which are negatively impacting my creditworthiness. 

Upon attempting to secure financing for a new vehicle, I discovered discrepancies on my consumer report that have unjustly affected my credit score. Despite my repeated written requests, Experian has failed to remove the disputed accounts, names, and addresses, indicating a blatant disregard for consumer reporting laws. 

I believe Experian is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i and 1681e. Section 1681i requires consumer reporting agencies to conduct reasonable investigations into disputed information, promptly correcting any inaccuracies. Despite providing clear and specific instructions multiple times, Experian has failed to fulfill its obligation under this section. 

Additionally, section 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumers ' credit reports. Experian 's refusal to remove inaccurate accounts, names, and addresses demonstrates a failure to adhere to this fundamental requirement. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter, investigate Experian 's non-compliance with the FCRA, and take appropriate actions to rectify the inaccuracies on my consumer report. I have attached copies of the written instructions I provided to Experian for your reference. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that Experian fulfills its legal obligations under the FCRA. 

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

I have two criminal records on my background check- and they are both in California. 

First one from XXXX : It seems to be a speeding violation related event for trucks. I do not own a truck, nor I had any driver licenses in California at that time. I was a XXXX XXXX XXXX and I worked in XXXX at the time. 

Second one from XXXX : I was not even in California state for XXXX at all. It is beyond me what this record means.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit card

The issue is that Equifax Credit Bureau seems to have some personal issues when I am assessing their line for services that need to be corrected. I am tired of writing about the same things over and over. There are XXXX items that are totally incorrect. XXXX is XXXX credit which was reported long ago about their defective merchandise sold to me and I notified them several times and they did nothing. The second is XXXX, XXXX XXXX which was a secured card and you had to have money on it before you could use it. I believe I put at least XXXX on this card for my constant use as a credit card which is what it was as long as you had the money the account. Another is XXXX XXXX, a seller of damaged merchandise and not what was ordered. Told him also, and he ignored but could ask for payment. The other shows XXXX. There was a problem with them because when I would go to the line to make an affordable payment, they would not take it if it was not what they wanted. Called and was told same thing about what was due after I explained to them I need time to catch up.
Product: Debt collection

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from World Finance in the amount of {$880.00} I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. World Finance attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. World Finance reinserted this fraudulent account without my knowledge or validation XXXX XXXX, XXXX and has been reporting it on my credit file as of XX/XX/XXXX. Texas has a 4 yr statute on collections and we have entered year 6 with no validation. I have sued XXXX and won just in the past year and will sue again if this fraudulent account isnt deleted indefinitely. XXXX or World Finance has yet to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX XXXX XXXX XXXX and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted again XX/XX/XXXX as well and has been reinserted a 3rd time without my knowledge or verification of this debt. XXXX has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!! This is hindering my home buying process and job hiring process. This is against the law and I will take legal action again if needed.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fait Credit Reporting Act to conduct a reasonable reinvesigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Experience has neither corrected nor removed the inaccurate information from my credit report. This practice violated the Fair Credit Reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. I request that CFPB take action to ensure XXXX complies with federal law and provide consumers with necessary proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm in the process of buying a home, my lender pulled my credit and an account just reported XXXX XXXX # XXXX by Transunion for {$10000.00} collection account which is NOT mine. This is false information I called XXXX XXXX # XXXX XXXX they do not even have my social in their system. This needs to be removed ASAP. AGAIN THIS IS NOT MINE AND NEEDS TO BE REMOVED. Your company 's inaccurate reporting is costing me a lot of money and to buy a home. PLEASE HELP ME