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 Collection {$0.00}
Product: Mortgage

Dear Sir/Madam Recently, we went to Truest bank and worked with XXXX XXXX XXXX XXXX a HELOC. She gave us information on rates, types of different information on the loan, and the information she required of us. We shared with her that we were going to sell our home and use the money and the money we were borrowing to build a new home. Never did She mention that there was a pre-payment fee if we close on it before three years. Never did she share that that fee was {$4900.00}. We are not stupid people though we are in our XXXX, we would not have opened that XXXX had we known it would be required of us to keep it for three years. At the closing XXXX went over each page and never told us about the pre-payment penalty. We were given a loan, which we did not use, and began building our home. We also put our present home on the market for sale by owner, and sold it in approximately 10 days. Shortly there after my husband spoke with the manager of the XXXX Florida branch of XXXX about dunning notices for an insurance policy they wanted placed on the home on which we had had the HELOC. We ended up sending them 4 letters explaining we no longer owned a home and did not need homeowners insurance. The manager of the XXXX branch then told my husband that we were now responsible for up to {$8000.00} because we sold it in less than three years. Hearing that we went to XXXX XXXX, XXXX over XXXX XXXX, and asked if that was so. She told us that yes we were responsible for {$4900.00}. We explained that we were never told that. We also told her about the XXXX department that was threatening to buy insurance on the home we no longer own if we did not buy it immediately. They did buy the insurance as a matter of fact, and we had to complain to her again after we had already 1 Closed the loan 2. Filed a request to lower the penalty for selling our home early because we did not know about the penalty XXXX. Paid the {$4900.00} for. 4.Offered to open a HELOC on the home we had moved into while we built. They did actually charge us for a homeowners insurance but it was finally removed. They never told us they had done that we found it out when we opened our mail. We are writing to you to request your intervention and make XXXX return our {$4900.00}. We feel we are entitled to this refund for the following reasons : Number XXXX we were never informed about the penalty, despite at least XXXX trips to the bank to set up the XXXX Two as you can see, there was poor communication between XXXX departments which contributed to the mistakes that cost us money. 
XXXX at no time was XXXX XXXX made available to us to discuss her error. 
XXXX at no time was our problem addressed by the corporate branch though we ask that that be done.
Product: Debt collection

Contacted the company regarding apparent debt starting in XX/XX/2017. No contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor that provided a signed agreemnt between the collection company ( IQ Data International ) and myself. The collection agency responded with a lease that didn't state anywhere that this company is contracted with this collection agency. Whenever I called the collection agency to speak with a rep, the rep informed me they were in a contract with this apartment complex and they didn't need my signature to report to my credit. The rep then transferred me to a supervisor, and he informed me that if I didn't provide them with my banking information that day, he would note my account as refusal to pay which would cause a negative impact on my credit. It is against the law for a collection agency to threaten someone, and that is exactly what this company did. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Product: Money transfer, virtual currency, or money service

Based on complaint XXXX, I email and called HSBC PH to cancel my transfer to XXXX XXXX due to Scam/Fraud of XXXX XXXX They did not cancel. Transfer went through and I ask to be reverted immediately. No action after 2 weeks.
Product: Mortgage

In XXXX of 2019 my mortgage payment increased by a small amount due to changes in escrow. I was unaware of this change and so I underpaid by about {$280.00}. As soon as Specialized Loan Servicing notified me, I sent in XXXX payments of {$140.00} to cover the difference. This was in XXXX of 2019. I was notified a few months later that my mortgage account was XXXX month behind. I called customer service and when they looked into it they said the XXXX payments of {$140.00} I sent in XXXX had been improperly applied to priniciple rather than to my loan payment. So the original XXXX short ) payment is sitting in an accout somewhere as if I never paid XXXX month. They said they would fix it. They did not. Since that time I have called XXXX times to try to get the money applied properly. Each time they said they would open a ticket to get it fixed. Meanwhile, my credit score has been badly damaged because of this. It looks like I have been a month behind on my mortgage payment since XXXX of 2019. When I called again today they told me there is nothing they can do -- that the money can not be moved back and applied to to my payment.
Product: Debt collection

Lazarus FinancialXXXX TX XXXXUnited StatesThis company continues to levy a collection item on my credit report even though I have provided them all the responses they requested concerning Identity Theft. This debt is NOT my debt and it needs to be REMOVED from my credit report as a collection item. I never heard from this company prior to them placing the derogatory item on my credit report and XXXX I learned they hurt my credit I have asked repeatedly they remove the item from my credit. They refuse.
Product: Credit reporting

Received TRANSUNION credit file # XXXX dated XXXX/XXXX/2016. Continues to remark " BANKRUPTCY DISMISSED '' on XXXX XXXX XXXX account # XXXX and XXXX XXXX account XXXX TRANSUNION has removed these bankruptcy comments from other accounts
Product: Credit card

This account is invalid. DEPT OF ED/NELNET needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 
DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX XXXX DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/NELNET XXXX and DEPT OF ED/NELNET XXXX
Product: Credit card

XXXX of 2024, XXXX XXXX XXXX was supposed to repair my machine and gave me an invoice for {$1300.00}. After they continued to cancel appointments, I called Comenity bank and told them the company was a fraud. They told me no charges had been made on my card and there was nothing they could do until charges were made. When I called back {$1500.00} had been charged on my card and they could not explain except that is what the merchant charged. This began a barrage of phone calls and letter writing because the only people I could speak to were customer care teams, who continued to give me conflicting information regarding the status of the case. XXXX XXXX sent me a letter in XXXX saying the case was closed on XXXX, XXXX. On XX/XX/year>, I received two different letters from two different XXXX XXXX XXXX stating they were still investigating the case. I have talked to over 15 different people at different times, each one giving me conflicting information. I wrote three letters to customer care, two letters to XXXX XXXX, and three certified letters to XXXX XXXX, XXXX. Their constant response has been they talked to the merchant and their findings have not change since the letter they sent me on XX/XX/year>, which I never received. Bread Financial and Comenity Bank have over 300 Complaints against them. Every one of them are similar to mine. They seem to think that because they are such a large corporation, they can afford to ignore the numerous complaints their cardholders are making. Please do something about these entities.
Product: Credit reporting or other personal consumer reports

Equifax has multiple mailing addresses : XXXX XXXX XXXX XXXX GA XXXX and zip code XXXX XXXX XXXX XXXX XXXX GA XXXX & and zip code XXXX XXXX XXXX XXXX XXXX, GA XXXX Thise addresses are from the many letters I have received from them in the past 9 months. 

On their website, it says send to dispute documents to : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I paid postage to send over XXXX pages of documents to the address above via certified mail on XX/XX/2024. I called to confirm if they were received the documents that included sensitive information ( copies of my driver 's license & social security number ). The representative said that I sent them to the wrong address. I explained that the adress is listed on the website and she gave me a completely different address : XXXX XXXX XXXX XXXX GA XXXX I have a fraud alert on my account because I have been a victim of identity theft multiple times. XXXX can not verify my identity over the phone. They are using fraudulent info on my account as if the info is true/correct/valid to verify my identity. For example, the representative asked if I had a loan with a company. If so how much are my payments. I told her that I have student loans and do not have payments because I am a student. I do not have and have not had any loans in my name. 
The representative also asked what was the exact date I placed a fraud alert on my account with Equifax. I told her that I did not know because I have fraud alerts and account freezes with all XXXX credit bureaus ( Equifax, XXXX and XXXX ) and that I have been filing disputes with them for over a year now. 
I don't know anyone that knows the exact date they place a fraud alert placed on their accounts. 

With multiple mailing addresses for the same company on the multiple pieces of correspondence that I have received from Equifax, they are making it nearly impossible to file a dispute, make corrections for anything on my credit report, or even communicate with them over the phone. I can not access their website because they can not verify my identity online.
Product: Debt collection

I received a letter on XX/XX/XXXX from Phoenix Financial Service claiming I owe a medical debt of {$1200.00} from a service from XX/XX/XXXX. The service being referred to was paid for by my medical insurance in either XXXX or XXXX. Phoenix Financial Services is stating they are trying to collect a debit that you owe to XXXX XXXX XXXX XXXX. In the letter, it states if I pay within XXXX XXXX XXXX XXXX, I only have to pay {$890.00}. I do not owe any amount of this debt. This debt was paid in full by my medical insurance.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

On XX/XX/2022, I received a threatening call from ERC a debt collection agency for AT & T, I told them I never had an account with either XXXX of them. Caller on the phone started screaming and yelling over the phone, told me to do what I have to do. If I didnt pay them theyll make sure it will damage my credit, I disputed this transaction. And now filing a formal complaint
Product: Money transfer, virtual currency, or money service

My issue is with paypal and apparently this dates back to XX/XX/2021. I purchased hair online only to learn that my stylist was going in the store to make the same transaction. I reached out to paypal to see if the transaction could be stopped only to learn that i submitted thru my paypal credit account and they couldnt assist. Meanwhile i contacted the vendor and they refunded the payment right away. 


XX/XX/XXXX Paypal sends me an email stating i owe them for the transaction that they said they could never help me with and now my account is negative {$820.00}. HOW- its 2 different banks involved. Paypal and Paypal credit. THEY NEVER REFUNDED ME ANYTHING I have called multiple times and spoke to a supervisor who said that she would call me back 3 days ago. The reps insist on my speaking to paypal credit who state there is nothing wrong with my account at all NOR do they see any additional refunds Payments are bouncing all over the place due to paypals negligence Not cool
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX more than 45 days ago I sent a letter to the credit reporting agencies regarding some false misleading information that should be excluded from my report. As of today I have not received any response regarding my concerns and I feel as I'm being ignored. I as a natural person ( consumer ) who is protected under federal law demand these accounts be removed from my consumer report immediately. If no action is done I will seek legal action for the Violation of my right. I have attached verification of my identity so please don't say you are not able to verify me. Also I am not being represented my any 3rd parties so lets not play these games to delay the process. The law states clearly you must allow 30days to respond not 45 nor 60.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

A person called from Unified Solutions on XX/XX/2017, said his name was XXXX XXXX. Said they had attempted to serve me documents and that since they hadnt heard back they were considering their due diligence complete and to consider myself notified. The callback number they left is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$53000.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$0.00} SUCCESSCU XXXX {$12.00}
Product: Debt collection

I cancelled my XXXX service after 30 days due to non performance and numerous service calls. I have NO signed contract either ohysical or electrnic with them. They firgot that oart and I signed up by phone. I requested several times they pick up their equipment and they have ignored these requests. They have placed it for collection. An " early termination fee of {$400.00} and non return of equipment {$90.00}. I have NO contract to terminate " early '' This is merely a greedy attempt to get money for a service that was cancelled because they did not provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Experian you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 

1. XXXX XXXX XXXX XXXX - {$24000.00} 2. XXXX XXXX XXXX XXXX {$580.00} The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

You and your inaccurate reporting have damaged my livelihood 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something As defined by the IRS Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS clearly says a cancelled or charge off is income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 says you Experian are a furnisher of information to a consumer reporting agency. 
YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. 

If you continue to report this account this is considered willful noncompliance.

15 USC 1681 s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A persona shall not furnish information relating to a consumer to any consumer reporting agency if - ( ii ) the person has been notified by the consumer, at the address specified by the person for such notices the specific information is inaccurate ; and ( ii ) the information is in fact inaccurate. 

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate. 

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

This a final opportunity to cure and delete this erroneous inaccurate account from my consumer report.