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 XXXX XXXX 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed these accounts that are not mine and are inaccurate. I haven't applied for any of these accounts, please remove and update my account. 

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 XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX  account ( account # XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 C-2 states this account HAS to be removed from my credit report in 4 days after receiving my FTC report XXXX and has been well over 4 days since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an error on my employer 's behalf with submitting tax documents.
Product: Mortgage

My Mortgage was sold to SLS Mortgage XXXX XXXX out of XXXX Colorado, at the end of XXXX. Since they took the loan over, they have been double charging me for escrow. My payments should be based on the taxes and insurance owed, and they are doubling it. Escrow should be based on the YEARLY totals and divided into XXXX equal payments, any shortages would be due to an increase in either insurance or taxes due. My taxes and insurance have both recently gone down, and I am still paying double escrow. I contacted them in XXXX of XXXX, XXXX, XXXX, XXXX, and XXXX by phone. Nothing has been done towards the correcting of my escrow payments. I have sent a written request in XXXX of XXXX and have received a letter that they are reviewing it. It's been well over 30 days, and it doesn't take 30 days to take XXXX invoices and add them together and divide by XXXX! This company has already been fined for mischievous behaviors, and apparently believe they are not required by law to follow Mortgage Lending Laws. I sent a check in XX/XX/XXXX for a total of {$2100.00} for ESCROW payment only, and of course they misapplied the payment ; still haven't corrected the escrow, haven't complied with my request for a corrected Escrow Analysis. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account number : XXXX Balance {$8000.00} XXXX XXXX has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site XXXX XXXX are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and TIGTA to do an investigation. 



THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I never applied for a lease with XXXX XXXX i dont know how its showing on my credit report I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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, 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

XXXX XXXX XXXX XXXX is reporting an unfair late payment recently. I have attached a letter of explanation as well as supporting documents with this complaint. I have disputed the late payment reporting with XXXX XXXX directly as well as all three major credit bureaus and I do not believe the treatment has been correct or fair. 

In my attached letter I explain exactly WHY the I should NOT have incurred a late payment report from XXXX XXXX. 

To summarize : I was charged a late payment after incurring a annual fee for a card I had not been using. I had not received any statements in the mail notifying me of a new balance and emails were sent to my spam folder. 

When I called to resolve the account I was told the fees would be reversed. 

Since the fees were in fact " never incurred '' or reversed I should not have incurred any late payment reports since no payment was due. Essentially I 'm being reported for being late paying fees that i had never incurred or were reversed. There was NO balance from purchases I had made on this account Please see my letter of explanation attached with this submission. 

Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXXXXXX ) XXXX Balance : {$100.00} XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been disputing with the bureaus inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

I realized I was victim of identity theft and a few credit cards were opened in my name from XXXX, in layes of XXXX I paid them due to insisting calls and threatening actions that XXXX said they they were going to take because the accounts were showing on my name. They didnt help me on anything but collecting me and I was misinformed at that time to I paid it off, however they said that after the accounts were paid they could work to get them removed after showing a XXXX balance. 

At the beggining of this year, following my attorney and police advise I contacted the XXXX bureaus and the creditor to ask for the removal of the items due to fraud, XXXX and XXXX removed them items and inquiries found as fraudulent, however EQUIFAX does not want to remove them. 
On XX/XX/XXXX I calle and spoke to a male representative from the fraud department to confirm that have received my documents ( FTC Report, SSN, DL and bank Statement ) and the agent said that XXXX had reached out to them 2 days ago and XXXX had stated that the accounts were fraud and that they were only missing my cover letter and ID to verify its my and remove the item according to the company policy, however EQUIFAX still refuses to remove the XXXX fraudulent accounts from my report after they received what they asked me for ( which I assume is to keep me on the Sub-Prime credit bucket and make more money with my information ). 

Under Section 623 of the Fair Credit Reporting Act ( FCRA ), aiming to correct errors and ensure the accuracy of the credit report, responsibilities of date furnishers of information y o consumer to consumer reporting agencies, EQUIFAX is not purposely promoting fairness and accuracy of information and, I have requested those XXXX accounts to be deleted from my report through several means and, even the other XXXX bureaus acknowledged the situation and removed everything but EQUIFAX refuses to do so. I can see that their job is to make money with inaccurate information and I will take legal actions for this crime with my issue is not resolved within the remaining days that they have on the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reach the bureaus and I'm having a hard time getting a hold to someone about issues pertaining to my credit file.
Product: Credit card or prepaid card

I made a payment for the full amount of balance, which cleared my bank. However only part of my credit limit was available after it was cleared. When I was looking over the website for the terms and conditions, nothing is posted related to the hold. Upon calling customer service, the informed me that was in the XXXX XXXX XXXX, I asked where, as their website has nothing posted about the available balance being lower than payment made. The two reps indicated that it was because it was due to a large payment and they were waiting payment to clear, which does not make sense, as my payment was cleared by my bank and not showing as pending. The supervisor indicated the XXXX XXXX XXXX and would be sent to my address after pointing out that they were not indeed listed where a customer can clearly find them.
Product: Credit reporting, credit repair services, or other personal consumer reports

have been effected by COVID-19 due to lost of employment. I informed XXXX XXXX ( XXXX ) of this information and still continued to make payment on account. My account closed when payments were being made. It is my understanding that creditors should not do anything negative to consumers credit during this pandemic for those who were affected. You used information reported during a Pandemic and not based on my paying history. Your closing my account with a remaining balance has cause a negative impact on my credit report. According to XXXX XXXX, Information was given by Trans Union that acccounts were reported negatively in XX/XX/2020. All negative items were disputed and corrected by other creditor and Trans union continue to report negative information against the Care Act Bill. after I provided information from the creditor showing negative information was being removed from credit report. This information was provided to to TransUnion through previous CFPB complaint filed.
Product: Checking or savings account

I would get charged multiple over draft fees and when I transfer money in my account it will say it's available but wasn't so they would make it as I'm Over drafting when I'm not and charge me a fee when I have already transferred money in. My account
Product: Credit card or prepaid card

In XXXX of XXXX, I applied for a XXXX XXXX credit card as Credit Karma had been informing me for 6+ months that I was pre-approved. I needed a new credit card for financial purposes and it just so happened that the credit card I was pre approved for was the one I needed. I went through the application process only to be told I was denied. The only reason I applied in the first place was because I was told by credit karma that I was pre approved. Because of the deny, a hard inquiry was put on my credit score. The only other hard inquiry Ive had was from opening a credit card 2 years prior. It ended up lowering my score, which I had been working on building up by paying off my bills. My score kept rising until the denial of my application for the XXXX XXXX card that credit karma said I was pre approved for. To make things worse, Im still getting notifications from credit karma about either pre approved cards or excellent approval odds. Now Im hesitant to apply for any credit card because if Im denied, itll continue to negatively impact my credit score. I also suffer from a XXXX XXXX that affects my income, so being a young adult and already having a hard inquiry when I shouldnt makes my financial situation even more difficult to navigate.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

YOUR COMPLAINT On XX/XX/XXXX, I received an email from Capital One stating that the fraudulent activities I reported in XXXX from XXXX XXXX ( app off XXXX ) CLAIM # XXXX for my checking ending in XXXX was reviewed and the outcome resulted in some of those transactions being labeled as fraudulent and the rest labeled as valid transactions ( listed after this paragraph ). All of these transactions are unauthorized and reported as fraud. I was not aware my information was hacked and being used over and over again. That is why I filed the disputes. I don't understand how some of the claim was denied when all of it was done by the same person and location. It is clear by the investigation that the person who had my information and sent themselves money via XXXX XXXX did so numerous times and from the same IP address. Again, how can Capital One approve part of the claim that was done by this person and then turn around and label the rest of the unauthorized transactions as valid. This is unacceptable. I am not going to be responsible for unauthorized transactions. Also, now I am being contacted about this account since Capital One has decided to close my checking account and charge it off. This will affect my credit score. This is not right that a consumer is responsible for paying for fraudulent activity. I want this to be escalated and handled appropriately. I do not want to allow these hackers to steal my information and get away with it!
Product: Credit card or prepaid card

Hello. During the Application Process of getting a Credit Card w/ AVANT***, their website eventually brought my attention to Loans*** BUT NOT FIRST OR RIGHT OFF. [ Note : I did NOT know of their Loans and was sent a Credit Card Invitation by Standard Mail ... NOT a Loan Invitation OR anything about Loans, Etc. ] W/that said, my coming across Loans was of GREAT immediacy for which I am tremendously thankful and made it so as soon as I did, I applied on-line for a Loan and several times since nothing appeared to be working correctly time and time again. What I did NOT and did receive from AVANT about Loans appeared to be compromising*** my e-mail information AND the e-mail information of ONE AND TWO accounts, my contact information, my personal information, etc. and made me so extremely, extremely UNcomfortable to the point of POTENTIAL victimization that I called AVANT right away about both ... To eventually learn -to sum this up simply- that you can NOT have both ( Credit and a Loan ) at the same time.

Having said that too, what they did to me was so victimizing, etc., that I left the Credit Card AND the Loan w/ GREAT immediacy. Everything is of GREAT immediacy here!!!! Closed both. Have ABSOLUTELY NO interest in either or in their company and its business practices ... And do NOT approve of what they did to my e-mail accounts, my accounts, my account information, my password AND passwordS, etc. -they appeared compromised- and it still appears to have some continuance when it should have NONE. Very malicious, suspicious, and criminal-looking and -acting. Credit and Loans I have NO interest in whatsoever. A Company in need of correction.
Product: Credit reporting or other personal consumer reports

In blatant violation of the Fair Credit Reporting Act, my rights have been infringed upon by this creditor, specifically by reporting the XXXX account onto my credit report. According to 15 U.S.C 1681 Section 602, I am entitled to privacy protection. Furthermore, 15 U.S.C 1681 Section 604 ( a ) Section 2 explicitly stipulates that a consumer reporting agency is prohibited from furnishing an account without my written instruction. Urgency is compounded by the fact that under 15 U.S.C 1666 ( b ), a creditor is expressly forbidden from categorizing a payment on a credit card account, under an open-end consumer credit plan, as late for any purpose. Immediate attention to rectify these violations is imperative.
Product: Mortgage

I paid my mortgage off on  XXXX / XXXX / 2017 , and sent the amount on the payoff letter from  Specialized Loan Servicing. I had an escrow balance that was due a full refund as taxes were not yet due., and also  paid interest through  XXXX / XXXX / 2017 , which also was due a refund. Specialized loan servicing did a partial refund, claiming the payoff wire from  XXXX   XXXX  was short $  XXXX . I have verified with  XXXX   XXXX  that they paid the amount on the payoff letter via wire. Now I am short the balance of my escrow refund and approximately {$1100.00} on my per diem refund. Several call t o Specialized Loan Servicing have resulted in nothing, except run around, hang u ps, and erroneous responses, but still no proper refund.