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

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - Account XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Subject : Request for Removal of Negative Inquiries and Correction of Personal Information To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 and 15 U.S.C. 1681b ), I am writing to request the immediate removal of all negative inquiries from my credit report associated with my bank account. These inquiries were either unauthorized or no longer valid. 
Additionally, I request that Equifax only associate my credit file with my legal name, XXXX XXXX XXXX XXXX, and my primary address, XXXX XXXX, XXXX XXXX, IL. Please ensure that my file does not include any variations of my name or addresses that do not belong to me. I am not to be associated with any misspellings or similar names that may cause errors in my credit report.

Please investigate and take corrective action to ensure the accuracy of my credit file. I look forward to receiving confirmation of these corrections. 
If you require any further documentation or identification to complete your review, please let me know promptly. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed and was discharged on a Chapter XXXX bankruptcy case. A company who was included in the bankruptcy and was discharged continues to erroneously report the account as being open. Equifax is the only bureau it is reporting to. I have tried numerous times to file a dispute with Equifax but they make it impossible to communicate. The online " tool '' tells me to call a number and the number is impossible to get a live person. I get " confirmations '' that it has been resolved/completed, yet it still shows up on my report. At this point, I would like for it to be removed altogether.
Product: Mortgage

On XXXX XX/XX/2021, I contacted PennyMac Loan Services about my existing mortgage. I am currently on a forbearance plan due to the impact of the COVID-19 pandemic. I recorded my phone conversation with XXXX. I asked for an extension of my forbearance and asserted that I am still being affected by COVID-19. XXXX asked me in what way was I still being affected ( e.g., loss of pay, reduced hours, not working ). I reminded her that I was not required to provide this information. She stated ( quoting exactly ) " It is for documentation purposes. For us to continue it, we have to document how you are still impacted. It just can't be that you are impacted. '' I responded to her statement by letting her know that the law does not require me to provide additional information/documentation beyond making the assertion that I already made to her. She emphasized that the questions she asked were not intrusive. I told her that was irrelevant. I also told her about my recent complaint to the Consumer Financial Protection Bureau regarding PennyMac 's previous incident in using quid pro quo tactics whereby PennyMac refused to provide me information about my account and answer questions about my forbearance until I answered their additional questions about my COVID-19 hardship. The representative stated I can call back when my forbearance expires and that she would not honor my request to extend my forbearance. XXXX stated a date that I could call back, but I was unable to make this out during the actual call. During the call, I tried to ask her about the date she stated I needed to call back. She refused to ansewer and, instead, flooded the phone with several pieces of information. I attempted several times to let her know that I couldn't hear her and to ask that she repeat the vital information. She refused to do so and, instead, directed me to visit PennyMac 's website. I have included attachments of publications on the Consumer Financial Protection Bureau 's website that provide instructions and guidelines to mortgage servicers. Beyond the plain language of the CARES Act, these additional publications make it clear that PennyMac is required to provide a forbearance and an extension of a forbearance upon my request and assertion of continued harship as a result of COVID-19. PennyMac 's refusal to do so and PennyMac 's refusal to answer simple and routine questions about my forbearance ( not to mention as a repeated offense ) constitute the main claims of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agency via website as well as phone. I have disputed inaccuracies for inquiries that are reporting on my credit report. The agency has refused to remove these fraudulent items that I did not authorize. Pursuant to 12 U.S. Code 5534 I have not received a response in regards to these fraudulent inquiries on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Equifax violated my federally protected rights I found unauthorized credit inquiries made by the following companies on my report XXXX XX/XX/27, XXXX  These companies accessed my report without my consent. 

15 U.S. Code 1681b any consumer reporting agency may not furnish a consumer report or any report without my knowledge consent
Product: Mortgage

XXXX I have read all documentation, and no where does it state, that my eligibility would be compromised, in executing the XXXX. XXXX XXXX, advised me to take this route due to all the hidden issues in the house, as well as Appraisers, mis-handling, of the appraisal. In his own words, he stated the sellers real-estate agent had told him all the work, in remodeling had been done in the past year. 

In reading, and speaking with Mr. Coopers Rep 's, I still have not been shown, nor presented with the assessment, against my VA eligibility and what it was for. On page 24, it states, relates of liability, and no mention of costs against my VA Loan. 

Stating I was free and clear of the home, was an understatement, only to come back and claim to VA, monies. 

XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, Reference : XXXX - XXXX # XXXX XXXX XXXX XXXX I am writing to formally address an issue I have encountered with XXXX XXXX, a collection agency that has placed an invalid negative collection on my credit report. This action appears to be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 5 ) and 15 USC 1692c. 
Despite my repeated attempts to resolve this matterthrough multiple phone calls and emails beginning in the month od XX/XX/year> when I noticed change on my credit report XXXX XXXX has failed to remove the inaccurate information from my credit report. This has caused significant distress and adversely affected my credit score. 
Please review attached email correspondence with XXXX XXXX XXXX I kindly request that the CFPB investigate this matter as I believe my rights under the FCRA have been violated. I have attached copies of my correspondence with XXXX XXXX and my credit report showing the disputed collection for your reference. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX [ Attachments : Correspondence with XXXX XXXX, Credit Report ]
Product: Credit reporting or other personal consumer reports

( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. 
( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 

My name is not XXXX XXXX ( PERSONAL INFO XXXX XXXX ( Original Creditor : XXXX 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: Checking or savings account

I opened my Savings account with Citibank. I was trying to view my account number in order to transfer some of the money from my savings account. When i logged in citibank online on XXXX XXXX, XXXX  to view the account number it asked me to call the helpline number for a verification code. I called the helpline number but the agent denied to send a verification code on my mobile because i switched from XXXX XXXX XXXX to XXXX few days back even though my mobile number is same. I even talked to the supervisor and asked them to use my email address or any other authentication they need to verify. But they were just not ready to help. Citibank never provided my account number or any other document via mail before so now i am stuck with my money in the account and not able to transfer the money where i need. I have relationship with XXXX XXXX and XXXX but I have never seen them hiding the account details on the online account. Please help.
Product: Debt collection

I was contacted on XX/XX/XXXX from XXXXXXXX XXXX XXXX regarding a debt Victoria Secret said I owed. The debt had been paid on in either late XXXX or early XXXX. They said they would dispute the balance. Since they were calling my workline I asked them not call it again and use only my cell phone. 

They contacted me again today on work number and then attempted to collect the bill. I reiterated that the bill had been paid and why they were calling this number. The rep ( XXXX ) stated that she had no record of being told not to call my work phone and proceeded to try and collect the debt. I asked to with her manager ( XXXX ) who said they would put the note on their not call this number again and put the debt back in dispute.

They still continue to contact me over a non-owed debt.
Product: Vehicle loan or lease

I Purchased this vehicle XX/XX/2017, The balance was XXXX at the beginning of the loan in 2017. The Balance is currently XXXX. I have paid over XXXX in interest alone with only {$700.00} going towards principle. I have asked to have my interest rate lowered or attempted to refinance and the car is under water so no lender wants to help. Capital One is also refusing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

all three credit bureaus are reporting that I have a balance. I have paid my mortgage off and have XXXX balance. Also, all three bureaus are reporting that I was 30 days late and I was given a foreberance for that month
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX number : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

This account does not belong to me as this is a result of identity theft which has been reported already. I do not recognize this merchant nor have I ever done business with this merchant. I keep getting harassing calls from this Merchant or debt collector. The debt collector did not also follow the lawful process of sending formal mail to my address before initialing calls.
Product: Debt collection

I have been a victim of identity theft have tried disputing this multiple times with this agency and they fail to provide any resolution. My last attempt i asked multiple times for a timeline for a dispute and they stated they dont have one since i wont let them call my cell. The tactics are very harrasing and they seem unwilling to work with a consumer where these items are a clear indication of fraud.
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 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. 
The following Accounts : Original Creditor : XXXX Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}
Product: Debt collection

The RS CLARK & ASSOCIATE RS Inc. XXXX XXXX, XXXX XXXX XXXX, Texas XXXX keep calling me to pay the debt since XX/XX/2019. I called them to tell them not to contact me, without my consent of obtaining my personal cellphone number, they said : " they have the right to call me anytime and from a debt collector, not from soliciting business. '' They have numerous number to contact me : XXXX, XXXX, XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I did a closing on a property on XX/XX/XXXX and the title company did a wire transfer to my Bank of America account in the amount {$300000.00} but the money is in the credit card r account of mine and not in my checking account. The funds are in my credit card account as a large balance as a credit and must be moved to my checking account. The bank refuses to move the funds to my checking account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the unresolved issues on my credit report. Despite my initial attempts to rectify inaccuracies, including the reporting of a late closed account, an account included in bankruptcy, and a public record, the information remains unchanged. 

Despite providing relevant supporting documentation and following the proper dispute procedures, there has been no resolution, and the inaccuracies persist. 

Enclosed with this letter, please find additional supporting documentation reaffirming the inaccuracies in question. I have attached : I request that your agency conducts a thorough and expedited investigation into the inaccurate information mentioned above. The continued presence of this misinformation is causing significant harm to my creditworthiness, and I insist on prompt corrective action. 

If a resolution is not achieved promptly, I am prepared to escalate this complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ). 

Conduct a thorough investigation into the inaccuracies outlined. 
Correct the information promptly and update my credit report accordingly. 
Provide written confirmation of the resolution and the actions taken. I am asking for your assistance to remove tthe said items items in my credit file : XXXX XXXXXXXX XXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$2200.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX Acct XXXX XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )
Product: Checking or savings account

I deposited a check for XXXX and it is not any type of special check and the bank is holding it until the XX/XX/XXXX and I deposited it yesterday. The person I got the check from said it will be cleared today or Friday the latest, so my question is why is the bank holding it until next Thursday? Can you assist me. thank you