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

i am a natural person, i am a livng human being. i have right under 15 usc 1681 equifax is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give Equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I opened a mortgage with Wells Fargo, later America servicing company started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote UNITED STATES XXXX XXXXXXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to EQUIFAX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. 
CASE NUMBER # XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I was making a transaction thinking I was working with my bank which is PNC but it was a scam and the person I was talking to was a scam artist and took {$1600.00} from my account on XX/XX/XXXX. I immediately spoke with my local PNC branch and was assured by management everything would be done to assist me in getting my money bank. Unfortunately, PNC has done nothing to help me and their customer service has been terrible as they never return my calls and never call when they say they will. I was also told by a high level PNC manager at the corporate office who refused to let me speak to his boss and nastily said to me that we can give people money back but he refused to give me back anything. It has been the most frustrating and unprofessional institution and people I have ever had to deal with.
Product: Vehicle loan or lease

Ive had a car loan through Santander Consumer USA since XXXX of XXXX. About XXXX weeks before the XXXX lockdown. Ive had issues this year with them saying XXXX behind on payments. I asked for a 2 month extension for the months of XXXX and XXXX of XXXX. I did get behind on my payments in XXXX and XXXX of this year. But Im caught up through XXXX and they say Im 49 days past due. The only payment I should be behind on right now is XXXX. They always post the next payment due before the actual due date of the XXXX of every month. My payment is just under {$400.00} per month. As of today with interest and late fees I owe {$810.00}. Thats for XXXX and XXXX. I called today and they wont hear me out or fix the problem. They just say it 49 days past due and thats what I owe. They say with XXXX I owe $ XXXX but my account doesnt reflect that. Please help me.
Product: Debt collection

I received a letter reference XXXX attempting to collect {$370.00} that is not my bill. Please contact XXXX XXXX and find out who you are accepting the debt from because this is not my bill. I have checked XXXX XXXX and have no bills due and XXXX charges for this amount. I strongly suggest Bull City Financial do their due diligence and find out who's Bill this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my file from the XXXX XXXX XXXX. ( Account number XXXX ) I disputed this account for being outside of the 7 year federal obsolescence period for remaining on the file. The bureaus removed it. 

One month later the account came back on my file. XXXX XXXX changed the data on the account to put it back into the obsolescence period ... but didn't count on the fact that I have copied the way the account looked on the bureaus before and after it was removed. 

I have attached two copies of how this account appeared on my file. In XXXX, you can clearly see that the last payment ( the date used to determine the obsolescence time period ) shows as XXXX of XXXX. Since the credit bureau industry uses 6 years and 9 months instead of 7 years ( to assure they remain in compliance ), it was properly  removed. 

But XXXX XXXX then CHANGED the data on the account. They removed the last payment date entirely and then deleted all historical payment date prior to XXXX. Thus giving a new obsolescence date. 

Now the FCRA provides two levels of non-compliance. 1 ) Negligent Non-Compliance where someone just makes a mistake. 2 ) Willful Non-Compliance where someone manipulates data to trick the system. The second non-compliance holds that a consumer make seek damages. 

It is clear that the XXXX XXXX XXXX is manipulating data to put items BACK on consumers files in violation of federal law. This should be a class action lawsuit as I am sure this is happening to any of their customers whose collections are removed for obsolescence reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have brought account up to date but credit acceptance is still reporting account is past due. I have reached out to them but still nothing has been done to correct. 





XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI Account # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a text asking me if I had tried to send XXXX via XXXX to XXXXXXXX XXXX. I responded No but immediately called Wells Fargo Bank to see what was going on. They told me it was a scam and had me to send a screen shot of the text to their phishing department. Less than 10 minutes from sending the email I received a phone call from the Wells Fargo number and put it on speakerphone. The gentleman told me he was an employee of Wells Fargo and was calling to save my money. He proceeded to tell me to transfer my money in savings to my checking account. He even knew how much I had in my accounts. He gave me an email address of XXXX. He had me go to XXXX on my WF app and had me to start sending my money to this email on XXXX. I told him I didnt feel right about this but he said he would never jeopardize his job with WF and gave me a badge number of XXXX I had a witness, my roommate, XXXX XXXX who was hearing the conversation so she can attest to what was said. I begrudgingly sent my money telling him the whole time I didnt feel good but he just kept reassuring me everything was legitimate. He then told me he would send me an email to change my username and password but didnt receive in 5 minutes and called WF to find out why and she said I had been scammed. She filled out disputes for me and told me how to change my username and password. I am in a XXXX home and have no way to replace my money. This was for me to go to my daughters wedding and if I dont get the money back I will not be able to go to her wedding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my Equifax credit score. My XXXX  score comes up no problem, but Equifax says they have no information.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX for {$2600.00}. I do not have a contract with XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

Rebuttal to XXXX XXXX XXXX XXXX XXXX XXXX Complaint ID : XXXX I am submitting this follow-up to dispute the results XXXX provided in response to Complaint ID XXXX regarding the XXXX XXXX XXXX XXXX account ending XXXX XXXX XXXX 

XXXX claims this account is reporting as paid as agreed with no late payments, and that it has been verified. However, this statement is inaccurate, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : Inaccuracies Identified XXXX. Contradictory Reporting : Your response states : Paid as agreed, with no late payments. 
Yet, the attached XXXX report clearly displays multiple late payments, including 30, 60, 90, 120, and even 150-day delinquencies.

This directly contradicts your own verification statement.

2. Derogatory Status Still Present : If the account is paid as agreed with no late payments, then reporting it as Der
ogatory is false and damaging.

3. Past Due Balance Still Showing : The account still reports a past due balance of {$230.00}, which is inconsistent with a paid as agreed status.

4. Credit Limit Inaccuracy : XXXX  shows a {$0.00} credit limit, while TransUnion and XXXX both report {$2500.00}. This artificially impacts my credit utilization ratio. 
XXXX. Re-Aging of Account Activity : The Date Last Active shows as XX/XX/year>, while the Date of Last Payment is XX/XX/year>. 
This discrepancy could constitute illegal re-aging of the account, which is prohibited under the FCRA.

Applicable FCRA Violations FCRA 607 ( b ) Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate data after being notified of dispute.

FCRA 623 ( b ) Failing to correct and update information after dispute.

Equifaxs History of Non-Compliance In light of the Consumer Financial Protection Bureaus order requiring XXXX to pay {$15.00} XXXX for FCRA violations including failing to correct inaccurate information and failing to properly investigate disputes I am extremely concerned by the repeated pattern of misreporting and denial of legitimate disputes. 



Requested Action Due to the contradictory reporting, failure to provide an accurate investigation, and ongoing FCRA violations, I respectfully request : Immediate deletion of this XXXX XXXX XXXX XXXX account from my XXXX credit report. 
Full reinvestigation, if not deleted, with accurate documentation from the furnisher. 
Written explanation and confirmation of the final resolution. 



Please confirm receipt of this rebuttal and provide timely resolution in compliance with FCRA regulations. 

Thank you, XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX
Product: Mortgage

Dear  SIRS I have OCWEN LOAN SERVICING on my mortgage Last year when I finished Bankruptcy I contract CFPB as OCWEN charge me for an additional three months for back payments they never told me about only after the discharge I filed and the doucments said I was one month behind -- - at the end of 36 month I now was three payments behind- with the new CHARGES with OCWEN is this something you are   looking at -  XXXX   XXXX   XXXX   XXXX  CO  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any in formation relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX  XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$55000.00} ; XXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$6100.00}.
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 : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from a mortgage company named Amerisave Mortgage on XX/XX/2021. They were not authorized to pull my credit report. I tried reaching out to this company for weeks to no prevail. I want to remove the hard Inquiry off my credit report. I never talked to anyone about a mortgage from this company. This company have not yet reached out to me to fix the problem or answer any questions I have for them. This company is unprofessional and using information that they didn't have permission to use. I would like for this to be cleared off my credit as soon as possible. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, my SSN XXXX. I have been trying to dispute incorrect information with TrunsUnion for over 9 months now without success. I have an XXXX charge off that happened back in 2018 and the card was since closed. The company insists on reporting it as a new charge off every months completely shuttering my credit from XXXX to XXXX and every month no matter what I do they report it as a new charge off so it looks like by now i have not 1 but 12 charge offs. Every time i call i get a foreign person on the phone that tells me that the info is correct and they will not file a new dispute or says they filled it without any results.Or even better, after they complete their " investigation '' they lower my credit score even lower. Please help! Its been 9 months of XXXX and i am on the verge of financial disaster because of Transunion mistake.
Product: Credit card

On XXXX XXXX, 2016, I accepted an offer online from Capital One to get a balance transfer for zero points and my regular rate of interest. I requested Capital One, account ending in XXXX, send {$6300.00} to our XXXX Cash Rewards Card ending in XXXX. I received an email stating that it was sent the next day, XXXX XXXX. Today, I called CapitalOne to see why the amount had not yet been credited to our XXXX credit card account and was told that Capital One does not accept electronic transfers of this nature, but only accepts a paper check, so the initial attempt by Capital One was not successful. At that time, a paper transaction was made. The banks both state that it sometimes takes up to 10-12 days to complete the transaction. During this time, the customer incurs 16.1 % on the balance transferred. In addition, the customer is paying interest to XXXX Bank for the amount on the card, or 17.1 %. So, together, the customer is paying 33.2 % on this amount of {$6300.00}, for maybe 12 days, amounting to {$69.00} which is borne by the lowly customer. I am sure I am not the only person that is in this situation, so I can see how this could be a very profitable situation for the banks. I realize that the customer should pay the originating loan interest up to the time the amount is transacted into the receiving bank. But, this situation is obviously one where banks are taking advantage of customers. Please investigate this practice to determine why this practice is allowed to exist in which the customer/consumer is obviously being " robbed '' by the banks and credit card companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.