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. 

XXXX XXXX Late Payment {$4600.00} XXXX XXXX  XXXX XXXX Collection {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$510.00} XXXX XXXX XXXX XXXX Collection {$510.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$2000.00} 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 CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG 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 , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the fair credit reporting act, the list of accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX, Account Name XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX 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 an 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 items of information, other than records of convictions, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Product: Money transfer, virtual currency, or money service

I utilized my money order to settle the debt with the company and they have not been answering me and they have taken my money and not applied it to the principals balance. TransUnion stole my money
Product: Credit reporting, credit repair services, or other personal consumer reports

quires that are not mine please correct and remove them
Product: Mortgage

I was informed CMG Mortgage did not acknowledged my mortgage payment made via Cashiers Check on XX/XX/year> and mailed to the address provided by the representative. I sent the cashier 's check payment via USPS priority express mail and received a confirmation of delivery dated XX/XX/year>. I've sent photos of the check, the envelope and the confirmed delivery notice from USPS with tracking # included. However, CMG continues to inaccurately report to the credit bureaus and ignore my emails, calls and mailed letters referencing their inability to account for the check for {$4700.00}. 

I had to wait XXXX to cancel the cashiers check with my bank who sent another payment to CMG via Cashiers Check yet CMG continues to report late mortgage payments since XXXX which has caused my credit score to plummet. Please help as this impacts everything else in my life and is a huge inconvenience.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXXXXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts from my credit report. I am a victim of a data breach, and the accounts listed below were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your immediate action to remove the following information : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$9700.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$3200.00} XXXX - XXXX - XX/XX/XXXX - {$420.00} XXXX - XXXX - XX/XX/XXXX - {$3100.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

About 30 days ago I submitted a dispute to XXXX regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. XXXX confirmed the debt, without validation as this is NOT my debt, I have never had business with Tate and Kirlin Associates. The debt that was deleted was XXXX XXXX XXXX. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like Tate and Kirlin purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company  claimed to own ( XXXX XXXX XXXX ) two years ago, XXXX validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid
Product: Checking or savings account

On XXXX XXXX an unauthorized person, wire transferred XXXX XXXX dollars out of my checking account. I was the sole person to have authorization on the account. The person is male and their name is on the wire transfer. I am a female and I have no idea how this person is allowed to do this and the bank is not taking any action as they were wrong in addition to the person committing the crime. Wells Fargo initiated an investigation and assigned an XXXX. The XXXX stopped all communication with me and refuses to answer my emails regarding what is happening and what the resolution will be. I have filed XXXX police reports. I am getting no assistance from the bank. Hence, I went and took out the majority of my money from the bank because the bank does not want to compliy with Federal rules.The bank was at fault and is insured and they are doing nothing to resolve this matter.
Product: Credit card or prepaid card

I was issued a credit card that had a rewards program in which the points where to be used towards the purchase of a vehicle from XXXX. I did not know this until the first use, so after discussing the matter over the phone that I was not interested in buying a car but just getting cash back. Then they exchange that card for one with cash back and even though I have at the present time {$52.00} on the rewards program, they claim that I am starting a new account and do not qualify for cash back. On the other card I had {$260.00} It is my opinion, that this is a typical " Bait and Switch operation ''. This card is called the " extended family card '' from Capital One and the least amount you need is XXXX dollars to qualify for cash back. Thank you
Product: Mortgage

Refinanced two loans recently, all went well until it was transferred to Specialized Loan Servicing.

The have serviced my account for almost ~4 months and only gave me one call, to inform me I had not paid my mortgage. However they had not sent out any paperwork to me, informing me of where/how/when to pay. Upon inspecting the bill, I noticed they did not have any escrow set up for taxes and insurance - which was something we asked for specifically. Attempted to call them, which leads to no answer after a mandatory ~8 minutes robot prompt maze, then a statement saying you will be called within 72 hours.

After completing this processes multiple times over the course of two weeks, I finally got a call back. This person stated we will be all set up and not to worry. Escrow is set up and we will be fine to not worry about taxes or insurance. Awesome, right? Nope. 

I've now received a call from my insurance company that my payment has lapsed and I have no insurance. Calling SLS, after going through all the prompts and waiting for a call back -- I'm told " oh we only set it up for one of your accounts two months ago, but it isn't done yet. you should call a different department, the escrow one ''. Call escrow department, " no sorry, we won't pay your insurance you have no escrow, you need to call back the people you just spoke with ''. Get a call back from them a few hours later " no we can't do anything, but I asked escrow to set up your escrow. '' Now I've paid my insurance, and my late fee. However the company has yet to call back or email back about what has happened, or if my accounts are promptly set up. When I call, it still states that my phone number belongs to an account " we have no transferred yet ''. 

After chatting with the latest customer representative - they said I now need to email XXXX and ask them for an answer, because no one who answers a phone will know. I also need to re-explain everything to them, as they don't have access to my account information or any ticketing systems, and they " may '' do something. This was seven business days ago at this point - and no reply, not even an automated one has been sent.
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
Product: Credit reporting or other personal consumer reports

This XXXX, I was shocked to find inaccurate accounts on my credit report, and I have no idea why they're there. I check my report regularly, but this time, these discrepancies appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The errors persisted, and now I'm asking that the documents I've submitted be reviewed thoroughly so I never have to deal with this stress again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements.
Product: Debt collection

In the last week, I have had over 15 phone calls, all with voicemails, from capital one. I'm only about 17 days beyond the due date of the bill. I've also never missed a payment before. The reason for the tardiness is that I began a new job and haven't received my first paycheck yet. As soon as I do, they will get paid, as I've told them. I've also gotten texts and emails almost daily. This is harassment.
Product: Credit reporting or other personal consumer reports

I have disputed 10 late payments with XXXX XXXX as shown in my attached dispute letter. These payments were all initiated before the due dates in 2022 but posted late due to USPS delays. XXXX XXXX has failed to correct the errors after my dispute. The incorrect late payments should be removed from my credit report. 

Report # XXXX. XXXX previously removed, but re added later.
Product: Checking or savings account

Someone opened an account under my name and social security number. The date on the statement is XX/XX/2022 XXXX
Product: Checking or savings account

In XXXX of 2020 I received a settlement from a lawsuit that I had against the company that I worked for in the state of Pennsylvania XXXX XXXX XXXX XXXX  d/b/a XXXX  XXXX  ). I received two checks from the company after winning the lawsuit. I deposited those checks into my savings account at Bank of America on XXXX, XXXXOne check was in the amount of {$5800.00} and the second check was for {$3600.00}. The check for {$3600.00} cleared, The larger check for {$5800.00} had been returned for insufficient funds, my attorney had reached out to the company so they can issue another check for me along with an additional check for {$12.00} to cover the fee that I was charged by Bank of America. The company issued me a new check for {$5800.00} and another for {$12.00} to cover the bank fee and I in turn deposited those checks into my checking account again at Bank of America on XXXX XXXX. The checks had cleared on XXXX XXXX. After the checks all cleared I transferred the XXXX from my checking account to my savings account. After transfering the money to my savings, the banks risk department put a hold on the checks which had cleared, froze and closed my accounts. I contacted the bank to find out what was going on, they told me that they were investigating the funds. I went to the my local Bank of America Branch to find out what was going on and they told me they can't give me any information because they are not allowed to speak to anyone in the risk department. I have made numerous calls to Bank of America and they keep telling me that they don't know when their investigation will be complete. Each time I have called I have offered to submit court documents that show the funds belong to me. I had also reached out to my attorney who handled the lawsuit for me, who offered to submit evidence to the bank of America that it is my money. My attorney also contacted the company that issued the checks who in turn offered to submit proof that they indeed made those payments to me. Bank of America refused any evidence from all parties, they refused to speak with or receive any evidence from myself, my lawsuit attorney, nor the company that issued me the checks stating that they have to do their own investigation and will let us know when it competes. It should also be noted that the company that issued the checks to me also banks with Bank of America. I have continued to attempt to rectify this situation with Bank of America and receive my funds which belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CXXXX XXXX XXXX XXXX XXXX WRITTEN OFF : XXXX. XXXX XXXX : XXXX Last payment : XX/XX/XXXX Was a XXXX credit card from XXXX. 
Numerous attempts for them to validate through XXXX. Commenity nor XXXX provided me with any documentation as to why it is not being removed. Has been written off as loss and sold to another debt collector in XXXX. I never received documentation for it to be taxable income in XXXX due to the write off. They have written it off and sold it. Did not provide date of last delinquency when asked as it will show that it is over statute of limitations for reporting and can not be validated. 
Inaccuracies in payment history with all three bureaus, original account limit was not XXXX that is false. Both the credit bureaus and community capital are in violation of accurate reporting guidelines. COMENITY XXXX was contacted and could not find original account. Credit bureaus do not provide a phone number for comenity capital.
Product: Credit card or prepaid card

I called in XXXX of this year to cash in my rewards. I was promised a check for over {$5000.00}. The check never came. I called back about XXXX weeks ago and was promised they would expedite the check and it never got here. Also Ive tried to cash rewards from them in the past and the same thing happened. Today I tried to resolve his issue again and was informed that the person could not get any supervisors on the phone to resolve this. I didnt even ask for a supervisor so I assume it takes a supervisor to complete this.
Product: Money transfer, virtual currency, or money service

I was scammed on Cashapp by a XXXX XXXX They promoted their work using my college campus as advertisement. It was directly targeted towards students. The appoint required a deposit. I sent in the work I wanted to get done and a {$50.00} deposit. After my deposit was sent I was told that me and my friends appointment was set. The following night the scoping was no longer running. I reached out to Cashapp and the business asking for a refund since the page was removed. They even sent me a phone number to call for the appointment. I reached out to Cashapp and they told me that they could not refund my money because it had to be approved by the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer agency is reporting a civil record that is fraudulent. 

Case # XXXX is fraud. Remove off report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

This company is reporting two accounts on my consumer reports. I have never received any information as to what these alleged debts are for. I have never done business with or ever spoken to them about any accounts. I have never received any information about these alleged debts. I have tried to dispute these accounts, yet they come back " verified '' without sending me any information as to how they " verified '' these debts. This inaccurate information on my consumer reports is causing financial damage to me and my family.
Product: Payday loan, title loan, or personal loan

Loan orginated XX/XX/XXXX for {$400.00} 1st scheduled payment due XX/XX/XXXX for {$230.00}. Payment was not debited from my Savings account as previously arranged. Never presented to the Credit Union,  verified that the amount was never attempted to be collected. Company reports on their site that it was returned - obvious lie. My account # was reported as XXXX, it was verified as XXXX. The Credit Union says the XXXX 's are not mandatory. I have made phone calls to see why the payment was not processed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their representatives have done " three-way '' calls with my Credit Union on two separate occasions ( XX/XX/XXXX and XX/XX/XXXX ). I have faxed my bank statement verifying the account and funds still being there on XX/XX/XXXX.
A second level representative allowed the bank statement verification and resubmitted the payment debit for XX/XX/XXXX. To date the payment has not been taken from the account.
I believe they are deceptively not following their directives in order to take advantage of the borrower. I now have been charged fees, and the interest rate continues to climb. I am not able to resolve the issue with them and I would like to pay and close the loan.
Product: Credit reporting or other personal consumer reports

Credit reports are used by lenders, insurers, CEOs and investors to make decisions that affect every facet of peoples lives in the system of the United States Corporation yet these reports frequently contain errors. Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors and comply with the obligations put on them by Congress in the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong - to remove unverified information XXXX XXXX XXXXXXXX The FCRA provides people multiple ways to dispute inaccurate information on their credit reports due to identity theft. I disputed the inaccuracy of information on my credit reports with credit reporting companies Experian, XXXX, and XXXX and XXXX. After the investigation into the disputed information, Experian, XXXX and XXXX deleted disputed unverified information from XXXX. 

After my children were hit by a vehicle, instead of holding the influenced driver accountable - the dangerous individual avoided jail time. After XXXX accepted the overage payment from Veteran Affairs ; XXXX used XXXX XXXX XXXX to add a {$900.00} collection to my credit report. XXXX needs to investigate this credit reporting error. 

XXXX XXXX XXXX  - threats and attempts - Rejection Killings Need to Be Tracked Obsessed with attacking my XXXX American, female, Veteran household, a fraudulent charge was made on an inactive, frozen, expired XXXXXXXX XXXX XXXX XXXXhen an fraudulent payment was made by overdrawing a dormant checking account with XXXX for {$37.00}. 

Per top XXXX consumer law firm - consumer reporting companies and CEOs that provide information to them ; have great influence over consumers lives, and need to meet legal obligations.