23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed all three bureaus in the last three months and creditors did not correct. 
Loan default and anything that has a negative impact that resulted from the default is not allowed to be reported for loans in fresh start program. XXXX XXXX  now has the loan and has corrected their history. This loan was in default with this lender since 2016.this issue cost us 3 months of not being able to replace our dead car. I will be filing through her or small claims to be made wbole by XXXX  and the bureau
Product: Credit reporting or other personal consumer reports

Wrong information showing on my credit report. It was a data breach in different corporations in 2024 that exposed my personal information. Please delete all debts from my report.
Product: Credit reporting or other personal consumer reports

Equifax 's Willful Non-Compliance and Validation of Disputed Account Details : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Violation of Consumer Rights : I have filed three separate complaints disputing the accuracy of this account on my consumer report. Equifax continues to validate this account despite its inaccuracies, demonstrating a pattern of willful non-compliance with federal law.

2. Reference to the CFPB Lawsuit : In XXXXXXXX XXXX Equifax was found guilty of violating consumer protection laws, including providing inaccurate consumer data and failing to investigate disputes properly. These same practices seem evident in this case, as my dispute has not been resolved appropriately. 


XXXX. Non-Compliance with FCRA : Equifax is willfully non-compliant with the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S. Code 1681i ) : Failing to conduct a reasonable reinvestigation of the disputed account.

Section 623 ( 15 U.S. Code 1681s-2 ) : Continuing to report inaccurate information after receiving notice of the dispute.

Furthermore I provided proof that this item is still reporting inaccurate after reinvestigation and proof it was deleted from XXXX for these reasons.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agencies on  XXXX / XXXX / 2017 , by mail. As required by law they still have not responded my to request
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX : Unlawfully funded auto Loans. 
XX/XX/XXXX, XXXXReport filed on Company Disputes/Phone contacts to company on reporting wrongfully on my Credit profile With all three Credit Bureau 's, and reach out about action of reporting and no change. 
These reports of dispute were filled started XXXX. It started during COVID time. And at the time state of CA stated no credit issue would damage my credit profile due to due to COVID-19. I also filed a hardship which the company told me it wouldn't hurt my credit report in any kind of way. And they lied and put on my credit report negative 30 days & 60 days late. Which in return destroy my credit profile. I had to pay more in fees, and was declined in loans and declined in purchasing a home. This as been a ongoing battles that must be fix asap. I also have file with other companies too. There has been unlawfulness and violations of FCRA also the FDCPA, TILA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX was removed from my 3 reports on XX/XX/2020 and place back on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I disputed 3 times with Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the information on my Equifax credit report. I sent a supporting document from XXXX ( see attachment ) and XXXX stated they have sent the information accurately to the credit reporting agencies and the account was closed in XX/XX/XXXX. The XXXX account identifier number is XXXX. XXXX has reported the information accurately but Equifax has not and will not allow an internal dispute even though the error seems to be with Equifax, not XXXX. Equifax is the only agency reporting it inaccurately. The supporting letter from XXXX on XX/XX/XXXX which I have attached supports what I am saying. When I closed my account in XX/XX/XXXX, I paid the accurate balance in full. XXXX kept reporting erroneously a balance that I disputed through CFPB in XX/XX/XXXX which was subsequently XXXX  and resolved. There should be no activity or reporting of data after XX/XX/XXXX when the account was closed. Equifax further reports additional errors where they show multiple times months when my account was paid as agreed and the following month reports 60 days late instead of 30 days late and respectively 90 days instead of 60 and 120 instead of 90. Please see attached documents with examples of such in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am asking for this to be fixed and no data reported after my account was closed in XX/XX/XXXX which is even reflected on the report as the report itself states there was no activity after XX/XX/XXXX. Even stranger is that XX/XX/XXXX and XX/XX/XXXX are in green, reported as paid, but then late from XX/XX/XXXX to XX/XX/XXXX. It just doesnt make any logical sense the way it is reported and Equifax is the only agency reporting it in error like this. I would greatly appreciate your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent letter continual letter to the experian credit bureau and i havent got no response regarding the late payment either by mail or credit app i have sent letter back in 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX : {$840.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$270.00}.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent OPEN AND CLOSED ACCOUNTS and INQUIRIES on my XXXX, Transunion 's And XXXX credit report To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ), I challenge all inaccuracies and deficiencies of reporting. Per the FCRA compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Product: Mortgage

I was diagnosed with two different types of XXXX in XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX., XXXX on the XXXX scale. 
I went through XXXX and XXXX XXXX XXXX XXXX, the longest 9 hours, to make me a new XXXX.Also 30 nights in hospitals My adjustable loans were planned to become fully amortizing around XX/XX/XXXX. 
In XX/XX/XXXX, I called, went down to the branch, a year ago and wrote to bank of America for a modification to get me back on my feet ... now a full 3 years later it looks like I have beaten both. 
I have been moved from associate to associate and repeated times been asked for the same information, which was lost or " not legible. ( which I have always provided ) In the month of XX/XX/XXXX along, I called, sent e-mails and faxes over 100 times. 
I am 100 % on time with everyone on my credit report, inspite of what I went through. 
I have been a customer of Bank of America of almost 40 years and have never been late on a payment. 
I have heard many horror stories as to Bank of America telling customers, in a predatory fashion, that don't worry " we are here to help '' and the next thing you know they are foreclosing. 
I want to do the the right thing but I need another XXXX lb XXXX on my side ... I'm just asking them to work with me.When I ask for answers, help or a plan ... .they keep pushing out the potential for an answer another month..now we are to XX/XX/XXXX ... ..a full year since I requested assistance.This is not what XXXX XXXX had promised XXXX XXXX and I'm sure congress got the same reassurances from this gentleman that modifications would be handled promptly and the customers contact would be limited to one B of A contact ( I have had close to 10 ). 
Where is the help from tis company that I have been with 40 years ... I'm I becoming just another " mark '' for predatory banking.

During Hurricane Irma, I was given a three month forbearance ... .The Bank  representative said that that money would be put on the end of the mortgage ... I'm know getting indications that the money they differed is due now. This has to be rectified, as well. 


Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The XXXX XXXX XXXX XXXX ( Account XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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 card or prepaid card

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Chase due to the response I received. 

Recent delenquency on credit report That I have sent proof that it was an error being corrrected
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online. There was U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U. S. Bankruptcy Courts confirmed Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX
Product: Student loan

I 've called in today when I realized my loan payments are going up again. First off the interest rates started rising in  XXXX  in a   XXXX    month period they 've increase my interest rate to 10 %. I actually called in regarding the interest as well as IBR. My private payments are now at $  XXXX  I 've requested assistance in lowering my payments and event explained that these payments are not long term sustainable and it seems like they are trying to force me into default. I 'm at my end of the rope there solution was to basically find another job or lower my payments temporarily only for them to spike  XXXX  years later I already work a full time job and have no additional time for a second job. They are not willing to even work with customers with good payment history. I never call in I 've always just paid the payment but this has become rediculous l because of this I 'm on the verge of being homeless due to these payments they recommended letting things escalate to collections. Again that is not an option you call them to work out ways to keep from defaulting. This is  XXXX   XXXX  all over again.
Product: Money transfer, virtual currency, or money service

A company was taken from a scam contracting company and i tried to get it rectified and cash app couldnt do anything for me or block this report this person
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I got connected with a so called reputable firm called " XXXX XXXX XXXX XXXX headed by XXXX XXXX ( and another guy called XXXX, I think ) They sold me on how they deal with XXXX XXXX XXXX with home modifications. First I qualified for one Harp? and the other one. 
Well, I sent in tons of paper work and resubmitted because XXXX XXXX XXXX ( XXXX, according to XXXX XXXX which I will use. And XXXX XXXX XXXX wanted revisions and revisions. Well it seem this group was n't doing so well because this went on for month. Finally, I mysterious got a Pre Loan trail for XXXX months in XX/XX/XXXX, many month later than when I applied. 
This company assured me I could get qualified, so I put up the {$3300.00} bucks, like a stooge. I wans told to sit tight and XXXX would contact me about the modification. XX/XX/XXXX ... ... ... to XX/XX/XXXX I was sitting tight waiting. No updates at all for anyone. No interest rate and no balance, etc ( Whatever happen to Truth in Lending? ) Well, some time XX/XX/XXXX? I was supposed garnet a modification, but XXXX was smart they knew they did n't follow rulesproperly and conveniently sold the mtg to their subsidiary Carrington to finish their direct work. 
I have been in the dark unable to speak to anyone about, interest rate and what my mtg would be. Well I got my pre-trial payment notice very cast {$980.00} from $ XXXXI kept called the XXXX and got referred to Carrington and they did n't even know where the mtg was.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I wired {$200000.00} from my bank ( XXXXXXXX XXXX ) to a Wells Fargo branch in XXXX XXXX MN. I had been duped by a fraudulent e-mail and the money did not go to who I intended it to. Efforts to stop the transfer or retrieve the money were too late. 

Wells Fargo facilitated this by allowing a very suspicious chain of events. Most egregiously the beneficiary on my wire was " XXXX XXXX XXXX XXXX ''. The account that it went into was in the name of XXXX XXXX, opened a week earlier. 

Wells Fargo made a cursory fraud phone call to me but did not mention the discrepancy in account names or any other reason to suspect fraud. Nor did they ask any questions that might have alerted me to the possible fraud. 

Wells Fargo refused to talk to me about this. My local police served them with a search warrant for account details. They provided the minimum and were not cooperative with the detective.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the handling of my recent dispute and the subsequent response from Equifax. On XX/XX/2024, I submitted an FTC report regarding unauthorized inquiries on my consumer report. In response, Equifax assigned file number XXXX and claimed that the inquiries were factual to the report. This response is completely unacceptable and fails to address the issues outlined in my FTC report, which is attached to this complaint for your reference. 

Under the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose to pull an individual 's consumer report. I did not give Equifax permission to furnish this data, and therefore, these inquiries are unauthorized. Equifax 's failure to remove these inquiries from my consumer report constitutes a breach of my consumer rights. 

Moreover, Equifax has misrepresented the resolution of this issue to the Consumer Financial Protection Bureau ( CFPB ), claiming it was resolved when it was not. This is a clear violation of consumer protection laws and further erodes my trust in Equifax 's ability to handle such matters appropriately. 

I demand that these unauthorized inquiries be immediately removed from my consumer report. If this issue is not resolved promptly, my next step will be to pursue arbitration. 

I expect a swift and satisfactory resolution to this matter. Please confirm receipt of this email and provide a timeline for the removal of these unauthorized inquiries.
Product: Money transfer, virtual currency, or money service

was tricked into wire transfer money for loan closing by intercepting my email conversation with the title company XXXX in the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX/XXXX/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 XXXXXXXX
Product: Debt collection

CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

After checking my credit reports, I noticed multiple fraudulent inquiries that's showing on my credit report. I did not authorize theses fraudulent inquiries that's showing on all three of my credit bureau reports. See attached documents on the separate sheets.