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

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXXXXXX - Account NumberXXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account NumberXXXX I don't recall having late payments on this account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account XXXX : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX 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: Credit card

In eary XXXX of 2024 I filed a dispute against a merchant, XXXX XXXX for a delivery I did not receive, I notified the Merchant and also proceeded to file a dispute with American Express. Did not here anything from American Express until they sent me a pdf that included a statement from the merchant and a decison that I was responsible. Why would Amex not provide this information to me before making a decision? I sent 2 emails ( attached ), one on XXXX and one on XXXX regarding this dispute to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX Chairman and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX On XXXX I received a message saying I was still responsible. I refuted what the XXXX told Amex and its clear through the email exchange that he is not being truthfull. Amex is placing the entire burden on me when there has been nothing from any USPS investigation.
Product: Debt collection

In XX/XX/XXXX I defaulted on a private student loan, XX/XX/XXXX arranged payments with the collection agency. Monthly payments of {$390.00} were made. 
XX/XX/XXXX the loan was sold to Cavalry Portfolio Services. Monthly payments of {$390.00} continued. I was to receive notifications in the mail to serve as reminders that payments would be coming out. 
XX/XX/XXXX. Receive notification of withdrawal. ( see attach 1 ) XX/XX/XXXX. A letter ( see attach 2 ) is mailed to my father ( co-signer ) saying please contact us to settle or set up payment arrangements for this debt. 
XX/XX/XXXX. Payment of {$390.00} is removed from my account. 
XX/XX/XXXX Father receives the letter ( see attached 2 ) regarding the account.He contacts me asking whats going on. 
XX/XX/XXXX I attempt to call to figure out whats going on. Cavalry is closed. It 's a Sunday. 
XX/XX/XXXX I finally get a hold of Cavalry. They tell me to ignore the letter- it was a computer glitch. They could see I have been making payments and an arrangement already. 
XX/XX/XXXX Payment of {$390.00} was withdrawn. No mailed notification was received. 
XX/XX/XXXX. Received an email from XXXX XXXX saying an account was removed. Log into my account and see that Cavalry removed the collection from my report. 
XX/XX/XXXX XXXX XXXX XXXX. Call made to Cavalry Portfolio Services asking why I never received a notification of withdrawal for XX/XX/XXXX and why the account was removed from reporting? The representative was a bit a of a loss and did not respond confidently. She stated on their end a notice was sent out on XX/XX/XXXX and described the envelope. I told her I knew what the envelope looked like because I save them all for my records. She then that the credit reporting time had expired but the statue of limitations was still in place. She then told me she turned off them Automatic withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate information my credit report even after sending them supporting documents. For some reason Equifax did not remove it. I 'm a little confused here. How is it that the other  XXXX  bureaus removed the inaccurate information and Equifax did not? I thought they were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other  XXXX  bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed.

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Product: Debt collection

I started to work for the company LOAN DEPOT in XXXX of 2020. They Promised me a new position as a manager. This position the company has never had any of there current employees perform, so this is a brand new position opening up just for me. I accepted the job offer with the company they granted me a XXXX sign on, however I would need to stay with the company for 1 year prior to this guarantee being terminated. After accepting the offer and within the first month the job they had me doing was not the job they had me sign for. Nor would I ever be able to make the living I was hoping to make and they have promised me. I have a family and a home! There offer was a complete lie and I needed to make a change to clearly provide to my family. When leaving I asked if they would remove the guarantee they provided and they said no because I sign off on a contract to them. At that time I also stated back to them the offer they gave me and what I received were two different things and the offer was not held up on there side. They have no sent me to collections, I'm a licensed XXXX with another company and having problems with some state licensing because now I have an XXXX collection on my credit. The collection company calls almost daily, threatening me they were going to send it into collection and they have. So, why do they still call? Also, loan depot will not do a thing about it. I lost out on so much and was lied to from the beginning from one of the largest Mortgage companies in the US. I need this collection off my credit report. I'm asking for assitance from the wrongful way I was treated and being treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' FAIL TO SEND UPDATE REPORT UPON WRITEN REQUEST SENT OVER 45 DAYS AND STILL HAVE NOT RECEIVED REPORTS AND RAPID RE-SCORE
Product: Debt collection

This agency is reporting inaccurate information on my credit report it shows several inconsistencies throughout all XXXX credit bureaus. The agency is stating that I spoke with them in XXXX of XXXX  yes I would like copies of this conversation according to the XXXX Under the Data Protection Act, You can make a subject access request from data controllers, which includes contact centres, for both paper and computer records, as well as for any related information. 
From my understanding the debt was paid in full and they no longer needed to take wages from my check! And that eviction wouldnt no longer be on my report. Thus far they have taking it off of my XXXX but it is still showing on my XXXX, and XXXX XXXX report this is affecting me in my personal life they need to update the amount they are posting falsely on my reports! 

Under the Fair Credit Reporting Act ( FCRA ), it is illegal to obtain consumer information from a consumer reporting agency under false pretenses. The penalty for doing so is up to {$5000.00} in fines, up to XXXX year in prison, or both. 

I am going to upload and provide proof of the inaccuracies in the attached files section below! From XXXX and XXXX XXXX.
Product: Student loan

Applied for XXXX XXXX  XXXX. Fed loan servicing is returning repeatedly application. I have been submitted my employment verification once a year for ten years, I have worked for 29 years as a XXXX XXXX XXXX XXXX XXXX XXXX. At this point, I have never received a response as to why they are ignoring my application is rejected,
Product: Credit reporting or other personal consumer reports

I recently had to review my credit report again because I can not cash a check anywhere I have three or four checks right now that I can not I can not obtain any money because of my credit score. So I obtained my reports from XXXX XXXX and XXXX. I had already filed the complaint about XXXX XXXX and they're inexperienced to determine financial decisions yet financial institutions Trust them enough to rely on their score to determine whether a consumer is eligible for banking or not. But in my report from XXXX XXXX, it shows that I have hard inquiries through XXXXXXXX to credit karma. So if I open up a website such as credit karma that is going to be put onto my credit report as a hard inquiry because that's what it looks like cuz I did not apply for any credit cards or any financial loans all I wanted was my credit report and when I look at this report that XXXX XXXX sent me yesterday it shows that a hard acquired credit karma through XXXX which is absolutely false
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act This account has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I called the credit card company and told them the card was lost. i called the credit card company multiple times, and they told me it was noted and nothing happened. now i have a collection agency threating to sue me for a card that I did not have in my possession. i have tried to talk to the collection agency, but they are threatening me with legal action. i am not sure what else to do to have this matter handled before this affects my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, a living human being, and I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

since XX/XX/2021 I have been trying to get equifax to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. accounts being disputed Collections XXXX & XXXX XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX XXXX XXXXXXXX {$970.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX XXXX ), ACCOUNT XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never provided full disclosure, never gave consent. My information was shared with a third part without my express permission. Nor was I ever give the opportunity to opt out.

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a record that requires UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested record is settled. 


AM HONDA FIN XXXX
Product: Credit card or prepaid card

Vanilla Gift Card, was not able to be used. Have tried to contact card holder using XXXX # on back, automated loops me around then sends me to customer service on hold with repeated recording for XXXX min first ( XXXX ) try, XXXX minutes other try ( XXXX ) tried another number on website, same process, same problem. No one picks up. Tried to look up information on line, states error try again later, attempted this method six times. 

I used internet to try to track the issuer of this master card gift card it leads to Incomm Financial Services, tried their number it flipped me back to Vanilla Gift. This card should have XXXX on it. I can not get a history, can not get a balance and can not use the card. 
I have the receipt where purchased, along with the activation information. I would like to have my money returned. If for some reason there was a scam or scimmer I would like to file a claim and have my money returned. 

Perhaps you can reach someone who can assist. I will write a letter, but need to know if Incomm in XXXX is in fact the issuer for this card.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again a cash app also know as ( Block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act, ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations. Thank you
Product: Credit card or prepaid card

Applied for Amex XXXX Surpass cc XX/XX/XXXX using specific link from a travel blog with a " XXXX $ statement credit and XXXX bonus points after XXXX spend in 90 days '' offer. Application approved, all seemed well. 

In mid-XXXX XXXX had not received card - wrote into Amex chat asking about delay, explaining I wanted to purchase airline tickets that would easily satisfy the minimum spend requirement I needed - agent replied " manufacturing of the cards was delayed but would be forthcoming ''. 

When I did not see the statement credit by late XXXX after having used the card, chatted again asking " what the date was I needed to have completed my minimum spend '', and " BTW, why am I not seeing that statement credit? ... this time agent replied that I " have no bonus offer attached to my XXXX Surpass  account and was not eligible for it '' ... that " upon application I would have received a popup message of non-eligibility ''. 

Total surprise! - believe me, I most definitely received NO such popup message when I applied or I would not have gone forward with the application. ( I mention my first chat in XXXX above because that was an opportunity for Amex to inform me of the bonus denial - and the agent did not do so. ) Asked if proof could be provided that a popup denial was directed at me ; agent did not address that. 

I am within Amex 's criteria for receiving a XXXX Surpass bonus - never held any XXXX card, hold only one other AMex card of years duration, never canceled any cards, have a credit score well above of 800, never miss paying off any balance in full. I hold reservations for at least 16 stays at XXXX properties over the next several months, and will be canceling every one of them over this. 

Requested on chat that a Supervisor contact me ; within a few days spoke with a rep who simply parroted the same denial and was " unable to provide any specific reason ''. We remained in the same circular argument, my insisting I never received any popup, and she insisting I could not have proceeded without it. I stressed the fact my XXXX chats - with my referrencing the bonus offer - did not spark any notice from the chat agent on the bonus offer being invalid, and that it was not disclosed to me until XXXX. She tried valiantly to convince me " Amex regards me as a valued client, but any reversal is out of her hands '' ... offering me a XXXX $ statement credit as a goodwill gesture. ( Which has not shown up yet ) I did some online research after the fact and find that there are multi reports of exactly this scenario - no evidence of non-eligibility for an bonus on a new-customer application, and persistant denial without specific reasons upon complaint. Add me to the list of reports you already have on this issue, and feel free to contact me anytime.