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 ( on time ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent a wire transfer with Chase JP Morgan on XX/XX/XXXX to XXXX XXXX XXXX in XXXX XXXX account # XXXX Beneficiary Agentes XXXX XXXX XXXX, XXXX XXXX XXXX, for the amount of {$18000.00} XXXX dollars. 
I sent this money to pay off a timeshare but they never received the transfer. I went to the back and tried to open an trace or investigation with the fraud department but they are not answering the phones at all. email was sent through the app but no response yet. 

As per XXXX XXXX the wire transfer takes about 10 days to clear on the beneficiary account and is only been 7 days. email was sent to start an investigation on their end as well.
Product: Mortgage

was lied to about waiving XXXX to XXXX percent of refinance closing cost if done within XXXX years of getting mortgage. i was made to pay a high closing cost of over {$15000.00} for this agreement
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting, significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

LexisNexis is continuing to report an allege debt that I do not owe. The company has stated they have deleted the account yet LexisNexis continues to allege I owe this debt. Who validated this debt for LexisNexis?
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment/s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time : It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection lawe
Product: Credit card

When having my credit pulled, to purchase a house, a late payment was identified on my report. The late payment was a result of US Bank charging an annual fee for a credit card and not sending an invoice. I had a XXXX dollar balance so I never thought to look. US Bank agreed to dismiss the charges but required a written notification to reverse the negative marks on my credit report. 

I submitted the request and was told I would receive a response within 30 days. That time has come and gone and I have received nothing. I tried to contact US Bank 's credit department but was told they do not have phones or take calls. No one can tell me if/why/when the negative marks will be removed from my report. In the mean time this single instance of a {$49.00} late fee ( that was removed ) lowered my credit by XXXX points and will cost me {$1000.00} 's in interest over the life of a new mortgage. 

I would like to be able to contact US Bank and discuss this issue directly and resolve my credit in a timely manner. Is there anyway to force them to speak with me or any other actions I can take? Do I need to sue US Bank to resolve the issue and can I sue them for the future interest that I will pay? I very much doubt I will sue them for {$49.00} but maybe XXXX would get their attention.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue regarding the payment history reported on my account. The sequence of late payments listed is inaccurate, and I am requesting that the account be removed. After reviewing the account, I noticed that the order of late payments was incorrect. Despite my request for an investigation, the payment history was shuffled into an incorrect sequence again after the investigation.
Product: Debt collection

I was completely unaware that there was even any medical debt in collections as i 've never recieved anything from the XXXX XXXX XXXX saying that i owe anything to them, nor do i recall ever incruing any medical bills in the time frame that shows up on my credit report. There are three seperate instances of a debt claimed to be owed by them for XXXX, XXXX, and XXXX respectively. 

The claims were filed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am unsure if this is when i was supposed to have actually incrued the debt or if this is when the debt was sent to collections and a claim was submitted, but no matter the case i was never contacted or given notice by them in any way that there was a debt and do not recall ever being in need of medical assistance not covered by my copay at any point prior to the dates these claims were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I've sent more than enough docum2 to prove my identification was stolen twice, and I'm stranded from my homw state of XXXX. 

In XXXX I sent proof of established credit from XXXX before my life was threaten by this identification theft that change my name to " XXXX '' instead of XXXX which made my social security card & XXXX  id not match. 

I'm the victim of an federal offense, why do I need to fix my : Not having a fico svore from XXXX. 

My XXXX  credit file has my statment for creditors to review, not allowing my credi card to be approved after sending documents for months in an disgrace. 

I'm XXXX, because the XXXX  XXXX made an clerical error on XXXX  name & XXXX  data breach has nothing to do with me. Approve my credit before I file an federal lawsuit under the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for immediate and urgent removal of the following unauthorized/unrecognized/unwarranted inquiries from my XXXX, XXXX and transunion credit reports. 

XXXX ... ... ... ... ... ... XXXX XX/XX/XXXXXXXX XXXX  XXXX ... ... XXXX XX/XX/XXXXXXXX XXXX  XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX  ... ... ... ... ... XXXX XX/XX/XXXX XXXXXXXX XXXX ... ... ... ... XXXX XX/XX/XXXX XXXX XXXX XXXX  ... ... XXXX XX/XX/XXXX XXXX XXXX ... XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ... ... ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX   XXXX  ... ... XXXX XX/XX/XXXX XXXX  XXXX  XXXX  ... ... ... XXXX XX/XX/XXXX XXXX XXXX XXXX ... ... XXXX XX/XX/XXXX XXXX XXXX  ... ... ... ... ... ... ... ... XXXX XX/XX/XXXX XXXX  XXXX XXXX ... XXXX XX/XX/XXXX XXXX Auto finance ... ... ... XXXX XX/XX/XXXX Action taken by me : All accounts are in dispute. Thanks for your prompt assistance.
Product: Mortgage

Hello, I 'm typing this email because I need your help, Chase has placed me under a short sale since last yea r (   XXXX    XXXX   ). a buyer made an offer and after several months waiting for an approval Buyer decided to move on.  <P/> So at that point we reach out to a back offer that was made and we submitted all documents. Chase told me that my application for a short sale will be reviewed with the new buyers offer.  <P/> After 7 months now waiting for an approval, Chase now decides to deny my application because they could n't identify me.  <P/> I was like what are you talking about??? Chase is now making excuses to foreclose on my home. I have asked them what do they need from me.  <P/> Chase keeps telling me that they do n't have the details but my application for a short sale is denied. Now I 'm at risk of getting foreclosed on just because  Chase  is playing games.  <P/> Please all I 'm asking is help to get this short sale completed, as it is I have to move out of the property and Chase keeps playing games with our home.  <P/><P/> Thank you  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. My information was exposed in Equifax data breach. I am writing to formally dispute several hard inquiries listed on my credit report. Upon reviewing my credit profile, I discovered multiple inquiries and accounts that I did not authorize nor recognize. These inquiries and accounts are adversely impacting my ability to secure new credit and are unjustifiably affecting my creditworthiness. 

As per the Fair Credit Reporting Act, I am entitled to dispute any inaccurate or unauthorized information present on my credit report. Therefore, I kindly request that the unauthorized hard inquiries be promptly investigated and removed from my credit report. 

I emphasize the urgency of this matter and request that these inquiries be expunged from my credit report within 30 days. Such timely action is essential to restoring the accuracy and integrity of my credit profile and ensuring fair access to credit opportunities. 

Enclosed with this letter, please find copies of my credit report highlighting the disputed inquiries, along with any supporting documentation that may aid in your investigation. 

I appreciate your attention to this dispute and anticipate confirmation of the removal of these unauthorized inquiries from my credit report within the stipulated timeframe. 

Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, Fiserv in XXXX Oh pulled my credit report without authorization. Multiple attempts were made to try and contact the company in XXXX, Oh. Even during business hours, the phone # goes to voicemail and there is no way to leave a message. The number provided on the credit report itself, goes to XXXX and they could not provide any help nor did they speak fluent English. 

Fiserv XXXX XXXX XXXX XXXX 
XXXX, Oh XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The debt was settled some time ago with the original company. They wrote off the debt and submitted a tax paper for funds that I now owed taxes on. I do n't have that information anymore. The tax papers have since been destroyed as the tax papers were over 7 years old. The business is closed. The debt was bought by another firm claiming to be Advanced Credit Solutions. In order to get them off the phone and they did not give me time to find any information stating the debt was settled ... I gave them an amount I would settle for and they sent me a paper for me to sign that stated I owed the debt and it was settled for an amount. I never signed the paper nor returned the information. I called them back on the number they gave me and it was a false number and part of a scam number. I reported them to my bank to stop payment immediately. They could not give me a true number. I refuse to pay for something I had in the past taken care of. They are playing on old debts that people ca n't remember. My bank investigated and they cleared me of the fee I had begun to pay. I am not paying people who lie and give me spam numbers as call back numbers. At the moment I am not sure what the number was but it was in my report to XXXX XXXX dispute department. 

They lie and prey on old debts that no one can prove if they took care of the debt. They have many alerts and information on scams and I know they recorded my call so they should have that as proof I was denying the debt in the beginning and their strong arm techniques to get money from me. Even documents they sent me had different numbers on them from the numbers they gave me to call them. 

I think if you research the debts they are trying to collect on, they are debts from companies that no longer exist. 

Thanks for listening.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these items for being reported invalid and demanded them to be removed for being inaccurate. I understand that inaccurate reporting is illegal and should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I only went to XXXX school and my loan should be paid off.
Product: Debt collection

called and sent a letter to the collections agency and the orginal creditor and the credit bureaus, item was removed in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and added back on in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no XXXX try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. COLLECTIONS XXXX {$92.00} XXXX XXXX XXXX XXXX {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

last year I became a victim of identity theft by my XXXX XXXX. there were multiple accounts opened with XXXX XXXX. I originally sent XXXX XXXX fraud affidavits and a police report to correct the issue but they only closed XXXX of the accounts as fraud leaving me with XXXX accounts I did not open. XXXX XXXX XXXX  and XXXX. since this complaint is against Transunion I will not go into the situation with XXXX  bank as to how I am a victim of identity theft for the XXXX  accounts but not the others as they were all opened around the same time frame. after a few moths of going back and fourth with XXXX XXXX I filed a complaint with Transunion which I followed the forms from them carefully and fully attaching both a FTC identity theft affidavit and a police report. Transunion has refused to remove the accounts shown above with no explanation as to what they used to determine the outcome. I have exhausted myself and spent hours upon hours to correct my credit report to no avail. its obvious I was a victim of identity theft as they can see XXXX other XXXX  accounts being removed for identity theft. I really need the CFPB help with this as I'm now left with only one option to hire a attorney which will cost me a few thousand dollars that I should not have to pay as Transunion and XXXX XXXX have violated my federal rights as to the fair credit reporting act and the fair and accurate credit transactions act. this situation has affected me XXXX I'm exhausted and truly becoming XXXX  as I watch my credit score and report be destroyed. thank you for your time and assistance.
Product: Debt collection

This collection account I am referring to is coming from a living situation where the apartment units I was living in were purchased by the state and the entire community was forced to move out. Unfortunately, myself and a few others were charged as if we broke our lease. 

A year later I found that I was being rejected by other apartments and noticed my credit low. After finding out I had a collections account I paid for XXXX " credit repairers '' to file a dispute with the creditor to provide proof of ownership of the debt. They did not respond either time. The company has tried to call and email that I owe them. I have not signed and payment plan or made any payment, but they have yet to respond and it's been over 6 months. 

I moved out of the stated apartments in XX/XX/year> On my XXXX credit reports, each bureau has a different collection company name and amount owed ; so all of it is inaccurate. 

The XXXX amounts they claim I am responsible for are {$8200.00} and {$8100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019 my credit report shows a hard inquiry from XXXX XXXX. I do not recognize this and would like for the credit reporting agency to remove this from my credit report immediately.
Product: Credit card or prepaid card

Synchrony Bank, which administers Amazon cards, is aggressively pushing paperless statements without providing a functional way to opt-out. Here is an example email received today : " Your Amazon Store Card account is going paperless on XX/XX/XXXX. You will be able to quickly and easily view your statements and manage your account online. 
... 
Don't want to use paperless billing for this account? 
Click here by XX/XX/XXXX to continue receiving paper statements. 
By not clicking the opt-out link above, you agree to receive your statements electronically only. You will no longer receive paper statements in the mail. 

However, the " opt-out '' link goes to a non-functional web service. I have made multiple attempts at different times and each time returns : " 504 Gateway Time-out ''. 

It seems that a customer should have to affirmatively opt-in, rather than have to opt-out. And of course the opt-out service should function!