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

I sent a letter out on XX/XX/2023 to Experian XXXX And XXXX. Here is my tracking numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, however it has been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers 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 day the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

I sent a debt collector company Keystone Financial a validation letter dated XX/XX/2022 wanting more information regarding the alleged debt that I supposedly owe them. A person by the name of the name of XXXX XXXX XXXX responded using obscene and profane language as well abusive threats saying that " I am past due '' and that " they are going to report to the credit bureau ''. These are violations to me as a consumer and also included is a copy of a contract which has no signatures from either party. The debt collector also has me listed as a " borrower '' for a " loan '' under the Truth in Lending disclosure which constitutes false and misleading information. Truth in Lending does not define a borrower, loan, or debt. The debt collector also did not provide the required disclosures they never provided a right of rescission disclosure, or the any disclosure that giving me the option to have my information reported to any third party and the consumer reporting agencies. This company is willfully violating my rights as a consumer under Federal law.
Product: Credit reporting or other personal consumer reports

violation of the following : I never permitted XXXX, Equifax, and XXXX to report any negative information on my consumer reports, nonaffiliated third party and receive any disclosures .15 U.S. Code 6801 - Protection of nonpublic personal information15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 6802 - Obligations concerning disclosures of personal information any consumer reporting agency may furnish a consumer report under the following circumstances and no other : By the written instructions of the consumer to whom it relates.

consumer ( c ) The term consumer means an individual. 
consumer reporting agency that compiles and maintains files on consumers on a nationwide basis The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling evaluating, and maintaining, to furnish consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide.
Product: Credit card

On XX/XX/year> I requested a credit limit increase, based on the decision I received from Apple it was because of a recent late payment on the actual account and a late payment reported from the credit bureau. I contacted the card company to report that this information was inaccurate. I spoke with a representative who after reviewing my card account transactions, payments, and refunds revealed that there was not a late payment on the account and that the account was paid in full before the due date this month. I was told she would escalate the issue and to give them 10-15 days to contact me. Apple contacted me but they didn't acknowledge that the issue exists and that I should contact the credit bureau. I contacted the credit bureau and was told that there had not been a late payment reported recently. I also pulled my credit and it didn't show a recent late payment from any company. I was told that they would contact me again. It has been another two weeks and there hasn't been a status update nor resolution in this matter.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent Inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED these fraudulent information so my question is why do you still report these damaging records? I even contacted the furnishers and they agreed to remove the accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting these information on my Credit File without Proper Verification nor Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

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

on yearly review XXXX XXXX and equifax closed session on review of credit and would not allow me to dispute charges wanted to charge me to reopen and file disputes
Product: Credit reporting

Hi, I have duplicate credit reports on my report. it increases the number of my open accounts which affects my report. This duplicate loans are for my Students Loans. I 'm still a students and have graduated so my payment wo n't start till i graduate. I have attached a screenshot of all accounts. my student loan servicer is one agency as far as know. it should be XXXX account and not XXXX different account. Thank you so much
Product: Mortgage

I have been trying to refinance my home and have been unable to because of a HELOC that was included in a Bankruptcy ( discharged in XX/XX/XXXX ) because the bank, ( PNC ) has refused to give a payoff or report the information to the credit bureau on the HELOC. 
I filed a chapter XXXX Bankruptcy that was discharged in XX/XX/XXXX.PNC was the holder of a HELOC on my property that I continued to pay even though it was included in the bankruptcy.I had tried to obtain a lien release and was quoted a figure of XXXX in XX/XX/XXXX.They claimed I still owed the money even though it was not reported to the credit bureau and they would give no rating in order for my lender in XX/XX/XXXX to do the refinance.They would also not subordinate this lien to a refinance so I had no options.I was paying a 5.25 % interest rate and wanted to refinance it to lower my payments.They were being impossible.I was willing to give them XXXX and get rid of them but they refused to give a payment history to the credit bureau on my payments on the HELOC. 
It cant work both ways, if the debt doesn't exist because of the bankruptcy then it should be discharged as a lien, if the lien still exists they can give a payment history so I can pay them off.They have not given me a statement or a balance in over 4 years despite many requests.As a mortgage servicer aren't they obligated to? 
My attorney told me that PNC was now offering lien releases to clients who were in Bankruptcy when I was, apparently they made errors during the process and they were making restitution.I am attaching a copy of the letter sent to other clients.I called them for my lien discharge and they  said my bankruptcy dates didn't qualify I advised them that it was in the same time frame as the person who received the attached letter and they said they would have a supervisor call.On XX/XX/XXXX I spoke to a XXXX XXXX at XXXX and he advised that he couldn't address all the issues but it had been elevated and within 1 day I would be contacted by a XXXX XXXX.He could not give a contact number and she has not contacted me.
Product: Credit reporting or other personal consumer reports

I pulled my three bureau credit report XXXX XX/XX/year> and noticed your company is unlawfully reporting inaccuracies to my credit report. These inaccuracies have already been brought to your attention and the attention of the credit bureaus one month ago with no corrective action taken. 

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX has violated my rights and should not be reporting. 
As stated in the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, they are required to follow reasonable procedures to ensure maximum possible accuracy of the information related to the consumer per 15 USC 1681e ( b ). However, these accounts remain despite their inaccuracies, showing that those procedures were not followed.

Furthermore, under 15 USC 1681i ( 5 ), when a consumer disputes an item and the credit bureau is unable to verify it as accurate, they must promptly delete or modify the item accordingly. It also requires them to notify the furnisher that the information has been removed. This was not done in this case.

Additionally, 15 USC 1681s-2 clearly states that no person shall furnish any consumer information to a reporting agency if they know or have reasonable cause to believe the information is inaccurate. The continued reporting of these accounts, even after they were disputed, is a direct violation of this provision.

Lastly, 15 USC 1681b ( a ) ( 1 ) prohibits anyone from furnishing consumer information if they know or should reasonably know it is incorrect. Despite multiple disputes, the inaccurate accounts remain. This failure to comply with federal law needs to be addressed immediately. 

I am requesting an immediate deletion of these accounts due to violations of my rights under the FCRA. Please investigate and take action as required under the law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against United Revenue for inaccurately reporting a medical collection account ( Account Number : XXXX ) on my XXXX credit report, which violates my consumer rights under federal law. I never had an agreement with United Revenue, nor did I receive correspondence from them regarding this debt. Additionally, the alleged debt was never verified with the original creditor, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to demand a cease and desist from further contact and reporting of this account. Furthermore, under the new Consumer Financial Protection Bureau ( CFPB ) rule announced by the Biden administration, unpaid medical bills will no longer appear on credit reports. Additionally, I am concerned by the recent CFPB lawsuit against XXXX for sham investigations of credit report errors, which further questions the integrity of your reinvestigation procedures. I demand the immediate removal of these accounts from my credit report. Continued non-compliance will result in legal action under FCRA Sections 616 and 617 for negligent non-compliance.
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 NumberXXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX   has violated my rights. Or a 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: Mortgage

The loan belongs to my father who XXXX  in XXXX. Went to pay off earlier in the year they refused. I am the owner at XXXX XXXX XXXX XXXX Maryland XXXX. This has been an ongoing issue since 2016 when father was alive. I need to pay off mortgage, or have the lein removed from my property. My investigation reveals that they are not a good company. As I ( XXXX XXXX ) am the property owner I have all rights to any and all bills regarding XXXX XXXX XXXX XXXX Maryland. This is under the law " 12 USC SECTION 1701 J-31 also known as the XXXX XXXX. 
Thanks XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a client with Citibank for over 30 years. My wife and i have a joint checking and savings account. In XX/XX/2018 we received notification of a Know Your Client program at Citibank, which honestly appeared as if it were a scam. I went into a branch and after checking with the branch manager, and being assured it was real, answered the questions over a telephone line clearly outside of the United States. I felt the questions were quite intrusive ( including employment information, salary information, etc. ). My wife had received the same correspondence. We assumed since it was a joint account with my name listed first, because I had answered the questions no further action was required. On XX/XX/XXXX we went to withdraw funds and discovered our account had been frozen. We immediately called, found that they needed the same questions answered by my wife, and we immediately provided the information. We were promised the account would be unfrozen. In the meantime, the bank bounced all of our checks and we had no access to our funds or to make transfers. During the ensuing four weeks, we have called daily and lodged complaints, and requests for the accounts to be unfrozen, all to no avail. We still have no access to our funds or our account.
Product: Mortgage

FRAUD OF ( PennyMac Loan Services , LLC ) REF : PennyMac Loan Services , LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX. XXXX ID # XXXX. 
I have an account with PennyMac Loan Services and I have Insurance with XXXX XXXX XXXX for last 5 years. PennyMac Loan Services NOT Releasing the payment from my Escrow account. My agent reached PennyMac Loan Services , LLC 3-4 times and there is NO Response from PennyMac Loan Services. and iLLegally Imposing Amount : {$2800.00} for insurance. XXXX/PennyMac Loan Services always play these games. I have a OLD Complaint against XXXX XXXX XXXX and Returned my Money. After Complaining to CFPB. Please Help me AGAIN with Fraud of PennyMac Loan Services. 
Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and am being harassed by collection agencies constantly calling me. The following information is what I found on my credit report that is not mine! 

XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  {$1100.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$3500.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2800.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$3100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Debt collection

" Merchants Credit '' appears only on my XXXX credit score stating I have a delinquency on my account with an original balance of {$660.00} and a current balance of {$700.00}. I have never received any form of communication with merchant 's credit, and they do not return my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/22 to Experian advising that there was incorrect, and outdated information on my credit report including an old employer and my legal name is STILL incorrect. The name should be XXXX XXXX XXXX. The outdated employer was updated deleted however may name was still not updated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following account and paid, never late. 

Discover Bank Ending in XXXX Date of Late Payments- XXXX of XXXX XXXX, XXXX & XXXX of XXXX
Product: Credit card

The company sold my account with all my personal information to another company. How cool is that. So now you guys will back the second guy coming in for his share too
Product: Credit reporting or other personal consumer reports

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLD STAR MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I have marked inaccurate. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
2 ) In accordance with the fair credit reporting act XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Was buying a classic XXXX XXXX  and wired {$15000.00} to XXXX and signed all the legit documents and paperwork but never received car. The company even set up a payment option for the other half of the loan for the remainder of the payoff. Wired money on XX/XX/year> through Wells Fargo. Wells Fargo denied the fraud claim after the money was wired. Would like to seek some justice in some way on this matter. I can provide all the necessary documentation and paperwork if this would be taken seriously.