23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that
the information is inaccurate.
Product: 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 , 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 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: Mortgage

Further to case # XXXX to Bank of America. I am still waiting to get the information requested : ( 1 ) why was the loan serviced by their collection department ( 2 ) provide me with a copy of the recorded note prior to them losing it. 
( 3 ) who was the note holder up until the day the held the documents. 
( 4 ) why did n't they file a XXXX continuation. If they did, provide a copy of such document.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I need debt validation from Midland Credit Management with a valid original signature from XXXX XXXX showing this debt is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

To Whom It XXXX Concern Within Discover : Thank you for taking the time to review this correspondence. My name is XXXX XXXX and I am a satisfied customer of your financial institution. My purpose for this correspondence is in regards to the appearance of a late payment from your institution on my personal credit history. 

This remark is dated [ XXXX, 2022 ], and this is the remark made by your company. As stated above, I am very satisfied with my account with your institution, and as such have maintained regular use of it for purchases, and have made timely payments before this incident happened. My concerns regarding the presence of a late payment are that it may remain on my credit history for an extended period of time, and is causing damage to my credit report. This concerns me, as it may interfere with my ability to maximize on my credit potential, which may include opening another account with your fine institution. I am politely requesting that the late payment remark be removed from my credit history, with no adverse effect on the account to which it is attached. I trust that this correspondence and my request will be taken into consideration, as I've come to expect nothing but the highest level of customer service with Discover. I will continue to be an upstanding customer of Discover, as I view Discover as an upstanding financial institution and as the provider of my first credit card. I look forward to a long and prosperous working relationship with your company, and hope to have this matter resolved at your earliest convenience, to our mutual satisfaction. 

With sincere appreciation, XXXX XXXX
Product: Credit card or prepaid card

Beginning the end of last year into the first few weeks of this year, I was XXXX  as a result of complications due to XXXX. Given that I was out of work and fighting for my life, I fell behind on my credit card obligations. Which included the credit card I hold with Avant. I was assessed a {$25.00} late fee on XX/XX/22 and a {$35.00} late fee on XX/XX/22. My account has since been brought current and I requested to have the late fees I incurred waived due to the unforeseen circumstance. I was denied and also spoke with a supervisor all to no avail. I wasn't even alloted a courtesy waiver of one fee. Which is a customary pratice among credit cards. Their response to their customers ' plight is reprehensible.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the XXXX XXXX XXXX ( A ) ( XXXX ) XXXX XXXX XXXX XXXX ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section XXXX ( A ) XXXX XXXX XXXX XXXX ( XXXX ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section XXXX XXXX XXXX XXXX ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency please see attached documents and Identifying identification as it contains my full complaint and request.
Product: Credit reporting or other personal consumer reports

i have been trying to delete accounts off my credit i show numerous proof it was not my account i was away in georgia for school i do not own any of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to delete some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

CAPITAL ONE AUTO FINAN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I entered into an agreement to attend classes at a professional development school. After attending a couple classes I was not satisfied with the school and withdrew from attendance. The course was valued at approx. {$10000.00}. I agreed to an ACH withdrawal for the monthly payments of the costs of the classes. 
After withdrawing from the courses, the school continued to attempt the ACH debits which were disputed with the bank and refunded. 
More than a year passed with no contact from the school until I received an alert that a negative account had been reported on all 3 of the national credit reporting agencies. The school reported that my account was over 120 days past due. 
I disputed the negative item with all three agencies. The school responded to the disputes stating the debt was valid. The disputes were closed and the negative item remains. 
The reporting agencies advised that the only other recourse was to contact the creditor for resolution. When I contacted them I was told that they were not interested in discussing the matter further ; that the only resolution was to make payments and bring the account current. I advised that no further payments would ever be made, that I would no longer be attending classes there was no reason to pay. 
The next week I received another negative item alert from all three agencies that the account from the school was listed as charged off. Taking yet another major hit to my FICO score. 
None of the agencies or the school has offered any path to resolving this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a fraud alert from XXXX that a credit inquiry and new account were opened with Toyota Financial Services and XXXX TOYOTA . When I called to alert the dealership that this was fraud and I had not tried to purchase a vehicle, they found that another person with the same name as me purchased a car with them today. That person used all of their own information, but my Social Security Number. The dealer found that when they typed my name into their XXXX, my social security number auto populated in their credit application system. This is a dealership network that I had previously purchased a vehicle with, but in a different store.
Product: Credit reporting, credit repair services, or other personal consumer reports

he following 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 XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : 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 inaccurate.
Product: Credit card or prepaid card

I was charged interest on what Discover is claiming was a " cash advance ''. There is no history of a cash advance in any statement that I have. After speaking with a representative, they admitted that it wasn't a cash advance, but interest charged on a balanbce transfer offer that expired. I spoke with someone at their company before the offer expired and verified that my payments would be applied to the offer to pay it off in time, which they conveniently do not have any record of. They have also continuously charged me interest on this amount and have no applied any of my my monthly payments to this amount, which has resulted in over {$140.00} in interest fees that they refuse to reimburse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the company, Experian, to resolve the errors on my account, and if they were proven accurate to verify the information. Experian sent me back a letter stating that they believed the letter had not come from me despite the fact I sent thema copy of my bank statement and my passport identification. The company, Experian, did not do anything to resolve those errors or prove the accuracy of the items I am disputing on my credit report. They are also extremely negligent in their identification department because I have attached below the letter referring to the errors I found on my report and I attached the proof of identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX I want the above account removed from my TransUnion Credit Report . I do not owe any money. This account DOES NOT belong to be me and I want this account removed ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have failed to provide me with the way they did the investigation. According to the FRCA 611 they have fail to provide me with the investigator name, who they spoke with, how they communicated with the furnisher, the contact information of the furnisher. 


Creditor : DEPT OF EDUCATION/XXXX   Account # :XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$8900.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$1200.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$1800.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$1100.00} Creditor : DEPT OF EDUCATION/XXXX Account # :XXXX Amount : {$3700.00} Creditor : DEPT OF EDUCATION/XXXX Account : # XXXX Amount : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, L 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
Product: Checking or savings account

I tried to redetermined my identity with the bank but the website they gave me to do it with doesn't exist the website is XXXX locked out of my account on XXXX I'm on XXXX and XXXX and they know that.dont know where my XXXX payment went.
Product: Money transfer, virtual currency, or money service

I have had money being stolen from me digitally and through credit services since XXXX I cant even get a credit score now its affecting my life I cant get a credit score and the credit companies been charging my money for this free service I need my credit reports and I paid off cards and loans without any credit boost I have a XXXX  loan I never did and I want to made hold from this breech in my life and credit service please help me
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX 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: Checking or savings account

US Bank offers an incentive for opening a new checking account and it is dependent on the total direct deposited amount within 90 days. US Bank denied my first direct deposit and my company issued me a physical check. When I took the check to the local branch I was told they would need to look into it but they did not explain why they wouldn't accept my first paycheck through direct deposit. They did follow up with me to suggest alternatives like trying to calculate my future deposits to see if I qualify but no effort was made to address the initial denial. I asked to speak to a manager and was told the manager was on vacation for another week. I then called the XXXX customer service number and again it was not explained why US bank denied my first direct deposit. The called was disrupted after I asked the question about explaining why the denial even happened. There is something fraudulent occurring if a bank offers incentives for the amount of direct deposits and then denies the customer from making a direct deposit. Below is my email communication with the branch official XXXX XXXX XX/XX/year>, XXXX Hello XXXX, You inquired about your first deposit that will be deposited into your checking account if the deposit could be coded as direct deposit even though the deposit will be in check form. Unfortunately, this deposit will be in the manner of a check deposit and not direct deposit from your employer. Which is a stipulation to have direct deposit into the checking account to earn the potential bonus. What I was going to suggest is that we look at the first direct deposit amount total and add those from that time frame of the first 90 days to determine your earning potential. If there is anything else that you would like me to address, please let me know. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I still don't know why my initial direct deposit was " denied ''. Can you please have a manager call me at XXXX so we can solve this issue? If the bank offers incentives and then finds ways to limit their exposure to incentives they are liable for then that is fraudulent. I'd like to know specifically why my check was not direct deposited when no other bank has had issue before. I would to deposit my paycheck and correct it to be a direct deposit since this is no fault of mine and since US Bank is creating this conundrum. XX/XX/year>, XXXX XXXX XXXX XXXX I can request that the branch manager contact you when she returns from her vacation on Tuesday the XXXX. And I will ask that she call you when she returns to the office. Let me know if there is anything else you would like me to address. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent item associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. I am asking for your assistance to remove these fraudulent item in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX