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 CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX 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: Bank account or service

my account went into the negative because of an overdraft, however i was never notified of the issue. i went to use the card around XXXX time and realized there was a issue at that time upon looking into it i realized there was a overdraft charge and it was in negative. 
on XX/XX/XXXX i revived a overdraft fee of XXXX however i was never told there a issue prior to this event happing or charge being placed. i contacted branch in mcadoo, pa and spoke to a XXXX who said he would look into it. upon me calling back he told me to contact costumer service who i called and they told me the prob. that i was never notified was because alerts were not working and that " IT '' was working on it but it was a known problem ( i have call recorded ) and that also dueing holidays and anytime the bank is closed for holidays no alerts or account notifications are sent out so if i have alerts setup on my account i will not receive any alerts dueing that time if everything was working, but again the alerts we not working. i contacted XXXX back and told him i should not be charged because i was never notified in attempt to fix the issue before charge and that i was told the alert were not working, customer service also said they would call and tell him as well. However the bank decided to keep the charges there and additional charge me XXXX as follows. ( XXXX on XX/XX/XXXX. then XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) thats a total of XXXX on XX/XX/XXXX alone. XXXX as overdraft fee and then the XXXX as auto overdraft fee. 
I SHOULD NOT HAVE TO PAY ANY OF THIS AND SHOULD BE DUE A REFUND OF THE ENTIRE AMOUNT OF XXXX IN FEE 'S BECAUSE I WAS NEVER NOTIFIED, I TOLD BANK IT WOULD BE HANDLED BY DIRECT DEPOSIT, AND CUSTOMER SERVICE SAID ALERTS NOT WORKING AND I WAS NEVER NOTIFIED BEFORE THE ORG. XXXX CHARGE THAT A PROB. WAS EVEN ON MY ACCOUNT. 
THE BANK FIELD IN DUE PROCESS OF NOTIFYING ME AND I HAVE FULL ALERTS SETUP ON BOTH CELL PHONE, AND EMAIL AS WELL AS ON THE BANKS MOBILE APP. AND I NEVER GOT ALERT OR NOTICE. IF I GOT AN ALERT OR CALL I WOULD HAVE CORRECT IT IMMEDIATELY AND NO OVERDRAFT CHARGES WOULD HAVE HAPPENED i have 100 % all calls recorded and documented..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXXDate of Inquiry XX/XX/2020 2020
Product: Mortgage

refer to CFPB Complaint ID : XXXX which Suntrust Mortgage failed to answer either portion of the initial complaint and gave FALSE information to CCFB in the response. The stated " NOTE TO SETTLEMENT AGENTS : If you request an expedited payoff statement, a fee is charged to you, not the mortgagor for each such request. Therefore, if you did not request the payoff statement to be faxed, the third party that requested them is responsible for the fee '' when in FACT they add the fee to my statements. I have two showing on my XX/XX/2020 statement even if they were refunded, they should not have been charged to my account with out my EXPLICIT approval. They also stated " we have no control over how the credit reporting agencies report data or what information they include on the credit report '' when if FACT the credit agency would not have the full account number if they did not provide it! so they do have control over it! 
They are charging a lot of people fees without proper authorization and this should STOP
Product: Credit card or prepaid card

XXXXAM DISPUTING THE FOLLOWING THE ACCOUNT WITH EACH BUREAU TO BE DISPUTED AS FRAUD ... ... .. 

CAPITAL ONE BANK XXXX ACCOUNT NUMBER XXXX DATE OPENED XXXX 2017
Product: Mortgage

My initial broker sold my loan to BSI Financial Services. Escrow is collected monthly to cover 2 separate HOAs. BSI failed to pay the annual assessments when they were due. One was paid over a month late, the other was 3 months late. Late fees, interest and collection notices were assessed to my account along with threats of foreclosure. After months of countless calling, one association was resolved. I am now working on the second association, which is still unresolved. I am attempting to refinance the loan in order to sever ties with BSI Financial, at significant cost of pre-payment penalties. That refinance may be threatened due to their mishandling of my account and inability to resolve a fairly simple problem. Upon investigation, I learned that this company has a history of this very situation, resulting in legal action for federal offenses. I am reporting that BSI Financial did not resolve their process flaws, despite the federal charges, the settlement they paid, and their PR statement committing to resolve to improve.
Product: Vehicle loan or lease

BMW Financial took my car in 2014 and they continue to damage and report old information on my credit report way past the 7 year laws. I need for them to remove all information from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX Balance : {$420.00} , XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting

Equifax began reporting a judgment on my credit report XX/XX/2015. I disputed this and received a copy of an unsigned unfiled judgment. An unsigned unfiled judgment is not a legally binding judgment. Equifax states that I did not respond within the 30 day period but this is incorrect as I was not notified by Equifax of the need to respond. 

I am continuing to dispute this judgment on my credit report. Please provide me with a copy of a judgment signed by a judge with an actual court filing date listed on it or remove this judgment from my credit report immediately. Prove this judgment is what you say it is or remove it. 

I have attached a copy of the purported judgement. It bears no judicial signature, no filing date, and there is no indication who signed it or otherwise. Please provide a copy of the legal document you are reporting or remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my report that I have no knowledge of. 

XXXX : One Main financial on XXXX XXXX XXXX : one main financial on XXXX XXXX XXXX : XXXX card services on XXXX 2021 I havent dealt with any of these companies and have not given them permission to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday XX/XX/2019 I attempted to contact 'Equifax XXXX to temporarily lift a freeze on my credit report, unable to access my online account ( that I created 2 years ago because I was a victim of their data breach ) I had to speak to a person on the phone and have them do the unlock for 24 hours. They asked me for several items of information to " verify I was the account owner. '' The oil company trying to obtain my credit report told me it was never unlocked and could not access my credit report. Friday XX/XX/XXXX, I again could not access my account online, and had to speak to another 'Equifax XXXX employee ( note : both times the customer svc. person had a heavy, hard to understand accent ) who again asked me the same items of personal information to verify my account ownership. They said it will be unlocked for 24 hours and again, the oil company could not view my credit report. So, the oil company suggested I try 'XXXX XXXX, I attempted to go onto my account that I set up 2 years ago, could not log on with them, so I called their customer service line, began speaking with a very heavy foreign accented person, who was plainly reading a script like a robot, and wanted my personal info. I became suspicious and ended the call. I then tried to access my 3rd credit reporting agency account, 'XXXX ', not surprised, could not log in. 
*I locked these 3 credit reports 2 years ago, I kept very accurate notes of my user names and pin # 's, so I know my records are correct. 
* I had to allow a company to view a credit report 4 months ago, and it worked fine, no hiccups. 
* * My concerns are : these 3 credit reporting agencies Equifax, XXXX, XXXX have again suffered a data breach and I gave my personal info to a stranger who's going to use it for identity theft. Why are all 3  agencies unreachable through online log in at the same time??
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX / {$62.00} / XX/XX/2022
Product: Mortgage

Home was wrongfully foreclosured on by Wells Fargo. 
I made payments, actually made over the amount due. Always have. 
May have missed payments XXXX  years ago but thought according to XXXX it was caught up. 
Every payment made was sent back to me by check in the mail! No certified letters, nothing. I didn't open so therefore haven't cashed the checks. 
First I heard was someone showed up at my door saying they purchased my house!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX XXXX account # 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: Mortgage

Your submission, [ Case number : XXXX ] XXXXXXXXXXXX how do I get this counselor I believe everything they are doing to me is illegal and I am being treated unfairly I still have not gotten any paperwork from them other than the paperwork I will be sending them back for my situation. They returned my XXXX dollars I sent to them they would not except it like always they deny my payments. I send to them.They lied and told me they never received that check when they did. I ca n't control the mail or how long it sits on there desks before they decide to process it. I have been lied to time and time a gain from there receptionists who answer calls and managers and supervisors and they will not assign one case manager who knows exactly what is gonging on with my specific case. I believe the are in fraud for WI standards and need help. Were do I go from here are there XXXX lawyers who may help me with my case against Nation Star. Thank you for your time and help XXXX XXXX
Product: Credit card

Got call with caller ID of XXXX XXXX XXXX XXXX XXXX He stated that someone tried to open a credit card in my name with the last 4 numbers of my SSN. Gave me a case # of XXXX. I hung up, called my bank, who stated that there were no claims and that this was a fake account #.
Product: Bank account or service

Money was STOLEN from my account and my dispute was denied. I was told to find and go after the thief myself. Who is now an EX XXXX employee. My card was input manually 9 times total, all separate transactions, in the time span of 2 hours, for a total of {$1100.00} stolen. My card was ran until declined because they withdrew ALL of my funds. Now Direct Express/Comerica refuse to do the lawful thing and their suggestion is to contact the THIEF?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX has violated my rights. 

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

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

THe website for dignifi clearly states a 0 % interest deferred 6 month line of credit for work on cars at XXXX dealership. Once i applied i was told i was only getting 90 day waiver for interest, and when pressed both the CSR and Manager they said that is not offered despite showing it on the application that i followed to finance auto repair.
Product: Credit card

Sometime in XXXX I lost my wallet on public transportation. Recently I got my credit report because Im getting married and noticed there were several hard inquiries during the time period of my wallet being gone. My wallet included my ID and my social security card. I never contacted capital one because my fiance told me to go about it this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. 
XXXX XXXX and XXXX XXXX  XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date DC XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting two accounts ( XXXX  XXXX & XXXX ) that are not mine and they are obsolete. I have requested for them to remove the old accounts from 2007 which they are now 11 years on my credit file. There is no payment history to start a statue of removal from last payment history date. Then, I have requested since you have refused to remove the two obsolete accounts from XXXX, I requested on several occasions a Method of Verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for verified disputes and it has not been provided by Experian. They only follow up by sayng they disputed. I am again asking for the two obsolete XXXX accounts to be immediately removed and if Experian does not I am again requesting the Method of Verification for the two accounts. I am also requesting the name, address and telephone number from the original creditor, in which they claimed verified I should not have to seek legal representation to remove this account that Experian is within the guidelines of removing the accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub> 2025 Dear CFPB, I am formally submitting an urgent dispute regarding XX/XX/XXXXXXXX inaccurate and unlawful reporting of a secured credit card account on Experian, TransUnion, and Equifax. Despite multiple disputes, XX/XX/XXXXXXXX and the credit bureaus continue to report inaccurate, misleading, and unlawful information, violating multiple consumer protection laws. 

1. Violations of Federal Law Failure to Correct Errors FCRA Violation ( 15 U.S.C. 1681i ) XX/XX/XXXXXXXX continues to report a " charged-off '' status despite this being a secured credit card, meaning they already held the deposit to cover the debt. 

The remaining balance ( {$150.00} ) is lower than the highest balance ( {$450.00} ) yet is still being reported as charged-off, violating credit reporting laws. 

Experian, TransUnion, and Equifax have failed to conduct a reasonable investigation, which is a direct violation of the FCRA.

Unfair and Deceptive Practices FTC Act Violation ( 15 U.S.C. 45 ) The account continues to be reported incorrectly despite multiple disputes, showing willful noncompliance with federal laws.

This incorrect reporting harms my creditworthiness and financial opportunities, which is a deceptive trade practice.

Credit Card Reporting Violations TILA ( Truth in Lending Act ) and CARD Act A secured credit card should not be reported as a charge-off when the credit limit ( {$300.00} ) was backed by a deposit.

The reported amount due ( {$150.00} ) exceeds what should be owed, violating credit card billing regulations under the Fair Credit Billing Act ( FCBA ).

2. Demanding Immediate Removal & Compliance Experian, TransUnion, and Equifax must delete this account immediately.

All three bureaus must comply within five ( 5 ) business days ( by XX/XX/year>2025 ) to avoid further enforcement action. 


SinceXX/XX/XXXX XXXX and the credit bureaus have failed to follow consumer protection laws, I am requesting immediate deletion of this account from Experian, TransUnion, and Equifax.

If this issue is not resolved within five business days, I will escalate this matter by filing complaints with the FTC, the Attorney Generals office, and considering legal action for damages caused by their violations. 

Please confirm the deletion of this account immediately. 

Sincerely, XXXX XXXX