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

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against XXXX  XXXX XXXX XXXX XXXX in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or without demonstration, asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 

I've sent my letters to the consumer reporting agencies since XX/XX/2022 ( XXXX, XXXX, XXXX, and Experian ) but I hesitated to send directly to XXXX  XXXX because there are two different addresses on the credit report, and I wasn't sure which address is accurate. However, I am aware that all challenges and complaints are to be forwarded to all parties involved with the reported account in question. 

My primary complaints are as follows : XXXX. Failure to Ensure Accurate Reporting : I firmly believe that XXXX  XXXX XXXX has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. I've marked several deviations from the compliance standard. 

XXXX. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that XXXX  XXXX may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. Again, please take note of each letter I've sent that proves the Metro 2 " Mandatory '' standard has not been followed. 

XXXX. Lack of Documented Proof : Despite my attempts to contest the reported information, XXXX  XXXX XXXX has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.
Product: Checking or savings account

Capital One has not issued my paycheck which was due XX/XX/year> and currently is still have some sort of technical issue but has not set out to explain, only that the funds would be available the next morning to not be available.
Product: Credit card or prepaid card

Received an unsolicited debit card in the mail, indicating that I had somehow signed up for a product. It's similar to the activation that you would receive when your main bank sends a replacement or new debit/credit card. It included a working debit card, with an account number assigned, despite no I formation being given to them by me. It includes an account number, routing number, expiration date, security code, and my name printed on the card along with a chip and MasterCard logo. A quick search found that others have received this deciptive marketing practice and we're concerned about identity theft. All sources told me to quickly file with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect credit reporting on my credit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX has not complied with the Fair Credit Reporting Act. The company has not supplied any account records that are necessary to support their claim of a debt. XXXX XXXX has not provided documentation to support a claim that XXXX XXXX issued a credit card to me and was used for a purchase or other transaction, at any terminal, anywhere in the world. The company has not provided evidence of payments received or unpaid transactions. They have also failed to demonstrate that a security deposit was applied to the account. They have provided no evidence of any amount owed that accrued interest that depleted the {$200.00} deposit that secured the credit in excess of {$87.00}. 

They have provided no evidence because evidence does not exist. The company reported this account to the credit agencies as being delinquent, charged off, and with 48 payments over 90 days late. I have been denied for housing and I am now homeless. I have disputed this account and requested the relevant information several times. I have submitted every document I have ever received in regards to this account, yet the company has never provided any documentation, they have only made unsupported and unverified statements. XXXX XXXX has failed to provide the requested information, or properly investigate or provide proof of the claim. 

The actions of this company and the credit reporting agencies are unacceptable. This is not cash. A credit card debt would create ample evidence of its use.The credit card company ( XXXX, XXXX ), the issuer, the bank, ect would all have information to verify that this debt is real. Every transaction is documented with a date, time, location, merchant, terminal number, ect. XXXX XXXX  did not have to provide any proof before this debt became attached to my name as a public record. XXXX XXXX provided no proof, the credit reporting agencies required no proof and the information Consumer financial protection Bureau reviewed the case and closed it with no proof and no compliance with the following federal statute : 12 USC 5533 a covered person shall make available to a consumer, upon request, information in the control or possession of the covered person concerning the consumer financial product or service that the consumer obtained from such covered person, including information relating to any transaction, series of transactions, or to the account including costs, charges and usage data. The information shall be made available in an electronic form usable by consumers.
Product: Debt collection

I can not acquire another bank account due to US Bank sending me to collections. A transaction occurred through a third party payment solution company called XXXX. This transaction put my account in a negative standing of about $ XXXX in XX/XX/2020. I was completely unaware about this until I received a letter in the mail in XXXX stating that if I dont pay I will be sent to collections so I immediately took action and payed the negative balance along with a late payment totaling about {$400.00}. Once, I paid in full I decided to close the account at that time. I then found out in XXXX of XX/XX/XXXX that US Bank had put me in XXXX. This has hindered me from getting a checking account and to further my credit. I paid the amount owed and the late fee the same day I received a letter warning me. I need this to be removed. Ive contacted US Bank and they said it shouldve never got sent to XXXX XXXX.
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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Number : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XXXX 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: Debt collection

I do not owe this debt I tried to contact thus company and problem still not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase has stolen my identity and is continually running credit check EVEN THOUGH I HAVE NOT APPLIED TO THEM OR THEIR AFFILIATES FOR CREDIT. THESE INQUIRES ARE ILLEGAL ACCORDING TO THE FCRA ACT AND I WANT THEM REMOVED IMMEDIATELY. They APPEAR to be doing this to hurt my credit and by continually doing it they are trying to force me to put fraud alerts on my credit report when they are the ones committing the fraud. The FIRST TIME, though suspicion of an inside job I filed the credit report and as soon as the 90 days was up the started again and keep doing it. THE RUNS ARE NOT ACCURATE REPORTING BECAUSE I DIDN & # XXXX ; T AUTHORIZED THEM! I want this to stop and I want it to stop IMMEDIATELY as they were just fined for this very violation. As part of your & quot ; investigation & quot ; please also request the ip address of the supposed application. From the application you can see that no application would submit lacking this much information AND they are using my address which would defeat the purpose of someone trying to get a credit card sent to them. I am being violated and my credit run illegally. MAKE THEM STOP PLEASE! I could NOT submit this information through the " upload '' even though the file was small enough and the person assisting me on the phone said that " any company can run your credit report for business purposes '. and I KNOW THAT THIS IS A LIE. The credit report could be run as part of a backgroud check for a job or as was indicated by the denial letters IF I AM TRYING TO OPEN OR APPLY FOR AN ACCOUNT! I DID NONE OF THAT and per the FCRA these inquiries are ILLEGAL and for the XXXX to say otherwise needs to be reported. In addition, I 've found that CHASE has a habit of doing this and just had a class action as a result. It is as if as soon as they closed the class action they started again the illegal pulls using Amazon as a source!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I will attach photos later of the Chats I have had with Citi. I also spoke with an agent in early XXXX to boot. Their handling of my accounts has been atrocious, esp during the pandemic. I have stayed on top of all 3 accounts I have with them, however they allowed one to report 30 days late to the credit bureaus. I need help with all 3 bureaus to have this deleted/reversed.
Product: Debt collection

XXXX keeps calling. I have called them back on multiple occasions to have the calls stopped. They can not find me nor my family in their system through searching our phone numbers and our names. I have asked for the automated calls to stop regardless. The calls keep happening at a pervasive rate. Here are the calls from just this past weekXXXX XXXX ; XX/XX/2020 XXXX ; XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In checking my credit report I note that a hard inquiry was reported to Equifax on XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX, XXXX, TX XXXX -- XXXX. I have spent countless hours on the phone with XXXX XXXX XXXX -- 6 different departments -- all of whom say they have no record of a credit inquiry. They keep telling me to call Equifax. I did submit a dispute with Equifax and their response was that the inquiry is a factual record of file access. I further note that this same issue has been reported to XXXX XXXX XXXX since XXXX ; there are many references on the internet to that effect. Each department at XXXX XXXX XXXX refers me to other departments all of whom refer back to departments that I've already spoken with. So, I'm in the circle of illogic where Equifax is reporting a hard inquiry by a company that says they didn't do it. And each keeps telling me to call the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple times have set up a dispute for items on my credit report with XXXX and Transunion regarding fraud accounts and many inquiries on my cresit report. I have been a victim of identity theft since 2006. Recently I also learned my information was part of the Equifax breach. The following accounts need to be removed from my account and have not although I have provided a police transcribed report. 1. XXXX XXXX  {$2800.00}. 2. XXXX XXXX old account fir {$360.00} 3. On XXXX  & Transunion XXXX XXXX XXXX for {$2800.00} 4.  XXXX XXXX for {$520.00} there is also is XXXX inquiries that should be removed. My police report states XXXX XXXX as well as XXXX since the report only had these 2 items. Ever since the breach now the other 2 have appeared. Thet jave not pit the items in dispute nor does it state and its hard to get through tk them. I have requested multiple times to nlock these items from my report as XXXX has fixed the situation and removed the items in 24hrs with them having my police report.
Product: Credit reporting, credit repair services, 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. 

DeptedXXXX : XXXX, XXXX : # XXXX, XXXX XXXX  # ending in XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, US Dept of Edu 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 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: Debt collection

This agency has refused to provide documentation of the so called defaulted loan. They continue to report inaccurate and false information about a debt that does not exist. They have violated my rights as they continue to garnish my wages without ever submitting adequate documentation to support their claim nor was I ever offered an opportunity to dispute the debt. They immediately began to take my wages for debt that I do not owe. The data that is listed on their website about this apparent debt doesnt even make sense. After several recorded conversations two reps have admitted that they cant send documents that dont exist.They continue to violate my rights and steal my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried contacting Accelerating Financial. They are reporting the same account twice, same account same amount to all 3 bureaus. I have contacted them to have this fixed and they have not fixed it. this is hurting my FICO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a request to Equifax asking them to delete a medical collection debt because I never had any knowledge of this account and any medical services that are rendered to me I sign a HIPAA of 1996 notice which does not allow any release of any medical information or medical account information. This form states that my medical information or medical account information should only be discussed with the person that I have given access. I have never given XXXX access to my medical information or medical account information. Equifax is in direct violation of this federal law and I am requesting the debt to be deleted immediately from my credit file. XXXX did not get any permission from me to access any medical information or medical account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello again TD Auto, I am here to kindly ask for a few simple correction on my account. I am not here today to dispute I messed up this account. 

1. Could you be so kind to remove the derogatory from the XXXX  and mark it paid. Account was paid in full 2. Could you be so kind to remove the repossession status in XXXX XXXX and XXXX. The account was closed, you did not lose any money on this transaction, actually sent out to me a very large check. 

3. Can you please remove all comments Thank you!
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. 
I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Transunion has stated they " verified debt '' Please explain to me how you conducted your investigation! 

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 

Please respond accordingly,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Inquiry dated XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX account listed on my credit report erroneously. Each bureau reports a different date last active. 

Equifax is reporting acitivity under the payment history while reporting it charged-off and they also report the date last active as current ( XX/XX/XXXX ) which means it's illegally re-aged XXXX reports the the date last active as XX/XX/XXXX. That means the account is illegally re-aged. XXXX reports hte date last active as XX/XX/XXXX. 

if this account has really been verified they would all be reporting the same information and also be reporting the correct way but it's completely not correct and it's violating the FCRA on every level.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report as provided by your bureau, specifically regarding the account with XXXX XXXX. After reviewing my credit report, I have found numerous inaccuracies and late payment entries that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

# # # Inaccuracies Identified : 1. Account Status : The account is reported as " CHARGE_OFF, '' which does not accurately reflect my payment history and the status of this account. 
2. Payment History : The reported payment history shows multiple late payments ( 30, 60, 90, and 120 days past due ) that are incorrect. I have made payments in accordance with the agreed terms and have documentation to support this. 
XXXX. Reported Balance : The reported balance of {$21000.00} does not reflect the payments I have made, and I dispute this amount as well. 

# # # FCRA Violations : These inaccuracies are in direct violation of the following provisions of the FCRA : - Section 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information reported. The inaccuracies in my file indicate that this requirement has not been met.

- Section 1681i : This section grants consumers the right to dispute information in their credit reports and requires bureaus to conduct a reasonable investigation of those disputes. Given the inaccuracies in my report, I expect a thorough review and rectification.

- Section 1681s-2 ( a ) : This section outlines the responsibilities of furnishers of information to provide accurate information. XXXX XXXX has failed to do so, as reflected in your reports. 



# # # Address Removal Request : Additionally, I request the removal of my previous address : I require written confirmation that these inaccuracies and outdated addresses have been removed from my credit report. Should you fail to comply with these demands, I will pursue all remedies available to me under the FCRA, including, but not limited to, filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal action.