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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$110.00} XXXXXXXX XXXX XXXX XXXX {$6600.00} XXXX XXXX {$4200.00} XXXX XXXX | XX/XX/XXXX XXXXXXXX XXXX  XXXX | XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Debt collection

Date : XX/XX/2019 Amount : {$1000.00} Action Taken : I have sent 3 disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw two inquiries on my credit report I dont recognize. One on XX/XX/2022 from a place called informative research and one on XX/XX/2022 from a place called XXXX XXXX, pa.
Product: Checking or savings account

trying to connect my bank account for installment loans and managing my monthly bills
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has been reporting my auto loan is late. This loan has been pain off since XXXX 2017. I have attempted resolution with GM Financial and they assured me the issue would be addressed. As of this date nothing has been done. I have afforded them ample opportunity to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax XXXX XXXX have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over 720 in XXXX & several lenders are not reporting on time or accurately
Product: Credit card or prepaid card

Amex notified me 2 months ago that my account is late with a past due balance. I asked them which transactions made up that past due balance. They said that they could not help me. Being that this is a corporate card, I reached out to my company who after a lot of back and forth via emails was able to identify the transactions. These went back to XXXX and XXXX. I paid Amex for the transactions I could identify. However, I could not recognize some of the other transactions. I called the vendors and asked them for receipts ; however, this being 5 years ago they could not help me either. So, I called Amex several times asking them what my options are, and that I wanted to dispute these charges. Instead of helping me in any way, they also slapped me a delinquency fee of {$15.00}. I have an unblemished credit history always paying my accounts on time. However, they have now tarnished it. The only way to communicate with Amex is by speaking to their outsourced reps residing outside US who have very limited authority and knowledge. They do not have any US based customer care line that I could find. So, I am complaining here. 
If they had brought these late transactions to my account 5 years ago and not now, this would not have even been an issue.
Product: Credit reporting or other personal consumer reports

I have accounts showing on my credit report that I did not authorize. I have become a victim of identity theft. I would like these accounts removed from my credit report immediately. These are the following companies below. 

XXXX XXXX Acc # XXXX amount XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Acc # XXXX, amount XXXX XXXX XXXX Account XXXX, amount XXXX
Product: Mortgage

In early XX/XX/XXXX, I submitted refinancing loan applications for two properties ( Cottage 1 and Cottage 2 ) with Citizens Bank, which holds the existing mortgages on both properties. I paid for {$480.00} each for appraisals on both properties. The applications were taken by Mr. XXXX XXXX, a Citizens Bank representative. After submitting all the necessary documents needed for the application process on both loans, I waited to hear from Citizens. I received occasional emails from Citizens asking for more documents, which were provided in a timely manner. I also exchanged emails with Mr. XXXX on several occcasions regarding the status of the loans. I have 2 other properties ( not the ones being refinanced ) which were in forebearance, and mentioned this to Mr. XXXX. I was advised by Mr. XXXX that it did not matter that it would be ok so long as the loans in forebearance were not the ones being refinanced. After several months of not hearing from Citizens, I contacted a Ms. XXXX XXXX, in Rhode Island, a Citizens loan officer, who advised me, by email, that the underwriters had approved the loan and that they were working on getting an approval letter sent to me. Sometime in XXXX, I received an email denying my loan on Cottage 1. The denial letter was not very specific, so I called Citizens and spoke with a Mr. XXXX XXXX XXXX ( XXXX ). He advised that the loan was denied principally because two of my other home mortages were in forebearance, and stated I had to get out of forebearance and have three months mortgage payments made on said other properties since then to qualify for the refinance. I advised MrXXXX XXXX that the loans had been removed from forebearance since XXXX, and that payments had been made for two straight months. He advised to pay off the third month ( XX/XX/XXXX ), and then I could reapply. He said he would discuss the matter with Mr. XXXX to see what could be done. I informed Mr. XXXX that had Citizens informed me before the denial of this contingency, I could easily have cured the defect and we could have avoided a denial. Since then and to date, I have heard nothing more from either Mr. XXXX or MrXXXX XXXX as to the refinancing application for Cottage 1. As to the refinancing application for the Cottage 2 property, I have heard nothing at all for about 3-4 months. I have not received a letter of denial, nor whether it is still being processed. Yet, I paid for an appraisal fee but have received nothing but silence from Citizens regarding Cottage 2 application, nor what has happened to my desire to continue with the refinancing application for Cottage 1. I have complied with all that Citizens has asked of me and yet I receive no feedback or information from Citizens on both loan applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested removal of an unverified debt multiple times and have not received any documentation or proof of the alleged debt. XXXX XXXX XXXX is reporting a collection account on my TransUnion credit report in the amount of {$2100.00}, yet has never provided any verification or validation of the debt, nor responds to my requests for information on the debt. The account was investigated and deleted by XXXX  and XXXX, yet continues to be inaccurately reported TransUnion. I have mailed validation request letters, along with copies of the deletion by the other credit bureaus, to TransUnion directly on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they refused to provide me with any documentation showing they have investigated and verified the account. I have also requested validation of the debt directly with XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX but have received no response. This is a clear violation of my rights under Section 611 ( 5 ) ( A ) of the FCRA and the account must be deleted from my credit profile in order to accurately reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I applied for a refinance, I was told that XXXX XXXX XXXX had on my credit report that I have not been paying my Home Equity Line of credit. I have receipts as I go into the branch and pay. The Branch did not know why the mortgage department said I owe when there records say I am up to date ( I have the record the branch gave me ). I called the equity department on XX/XX/XXXX, they said the branch can't see what I really owe and that I was short on my payment for the last few months. I paid what I was told and was also told that within 10 days my Credit report would reflect that I don't owe XXXX XXXX XXXX anything. Just found out that XXXX XXXX XXXX has on my credit report that I owe {$49.00}. I asked where did that come from and was told XX/XX/XXXX. I am now told that they will not fix my credit until next month. They keep lying and lying and charging me every time I call. The Branch can't help, they don't know what to do either. I feel as I am being held ransom by XXXX XXXX XXXX.
Product: Mortgage

I submitted complaints through the consumer finance portal, you reached out to wells fargo, asked for my response, and closed the complaint. No investigation, no research, and no follow up. You reached out to Wells Fargo just as I did and they proceeded to lie and ignore the concerns as they have done with me. As a consumer protection agency, aren't you supposed to investigate??
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 XXXX 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: Money transfer, virtual currency, or money service

Well I got scammed of XXXX dollars on XXXX and when I filed a dispute Bank of America closed my account and said I can never bank with them again
Product: Vehicle loan or lease

I have a leased vehicle for Volkswagen XXXX with Volkswagen Credit. I have requested to buy-out for lease in XXXX and they provided the instruction with the forms/bill of sale. 
Per their instruction, there is an option to receive the title by XXXX if I pay additional {$15.00} so I did complete and sent two different checks for payoff amount and a fee for XXXX. 
They cashed checks on XX/XX/2022 but they have not sent the title until XX/XX/2022 by regular mail and I have not received the title yet as of XX/XX/2022. 
I have planned to business trip to oversea next week ( will be returning back in XXXX ) but I have to reschedule the airplane because I have not received the title. 
During the summer season, the busiest season of the year, it will cost me extra to reschedule the airplane. 
I demand full refund of {$15.00} for XXXX and reschedule cost damage for air fair due to their mistake. It will cost anywhere from {$700.00} and more depends on reschedule date per air company.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$950.00}, eastern account System Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : 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 XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have been using Care Credit for over 10 years now. My wife, XXXX XXXX, is an authorized user so we both have made purchases over the years. Some of these purchases would be " promotional purchases '' which means no interest is paid within 6/12/18 months. 
I am having a couple of issues with Care Credit. First, the biggest issue. The monthly balance due does not add up to the detailed purchases over the past several years. 
As of today, XX/XX/2023 my balance shows {$3000.00} with a minimum due of {$99.00}. 
However, when I print up the statement that shows purchase history, the balance does not add up to the amount owed. When added up, the total comes out to {$1300.00}. I will be sending additional documentation showing proof. So, the first question is, where's the remaining {$1600.00}? 
My second issue, I have sent multiple email over the course of two years trying to get some sort of explanation of how they came up with these numbers, but I don't get an actual answer or printed statement of these supposed numbers. 
My third issue, many times I have called to make a payment and have it allocated towards certain purchases and then follow up with an email. Some of these purchases would supposed to get paid off, then then when I look online it shows that I still have a balance. 
How is that possible? I feel like there's some shady things going on with Care Credit 's accounting as I have still yet to have received a proper answer. 

I will be sending documents via fax or email, as soon as I get the correct contact information. 

Thank you for your help. 
XXXX XXXX XXXX
Product: Debt collection

I disputed an amount with XXXX XXXX in XXXX. They refused and said they would ruin my credit. They then put the amount they said I owed {$82.00} on my credit as unpaid debt. As of XXXX XXXX, a debt collection agency added this debt to my credit as a new debt and has claimed it as late for the last year. This was an old debt, added onto my credit as a new delinquent debt. I found it on XXXX, due to an app I have, and suspect it is also with the other two credit bureaus, but have not paid to receive a copy of those reports yet. This is underhanded ... adding this debt as a new delinquency. 

I contacted XXXX  and disputed the debt and as of XXXX Experian has removed it from my credit report. 

Information is as follows : XXXX Report number : XXXX Account Number : XXXX Company : XXXX XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

This should be removed as of XX/XX/XXXX and it is still showing as of XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$5200.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type FLEXIBLE SPENDING CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$5200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$5000.00} from XX/XX/XXXX to XX/XX/XXXX month and year this item will be removed XX/XX/XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I fell behind due to medical and XXXX XXXX has continued to harass me and my family. They have been calling my references at least twice a day telling them they been trying to get in touch with me and no response. I have my whole family telling me to pay my Bill 's and to tell the loan company to stop calling. I definitely intended to pay my debt to them. From all the stress o have been through now my family and friends are not even speaking to me because I owe money and they are being harassed. I've told them when they come to my home my situation and offered to make a payment online and she said no I need to talk to XXXX. The first time they came to my home I called XXXX and she demanded me to come in I told her no. She said I had to so I told her I would make a Payment. My car was not working properly. They have been to my home four times and calls me and my family. There address is XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and phone number is XXXX.
Product: Prepaid card

Account for cash app has had fraudulent charges and I have tried to dispute numerous charges in the past.
Product: Mortgage

In XX/XX/XXXX I applied for a mortgage modification due to financial hardship. Today XX/XX/XXXX I received an email, after calling to ask for an escalation last week. After 11 months and {$20000.00} in past due payments Mr. Cooper aka Right Path Mortgage Servicing has notified me of " ineligibility '' for modification. 

Every month I followed up and submitted every document requested. This morning, XX/XX/XXXX, at XXXX XXXX  XXXX, I called about the email of ineligibility. The automated phone message stated CSR are not available until XXXX XXXX  XXXX? Is was after that time and no reps available?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal financial information was exposed and otherwise made available to thieves by Equifax who did not maintain their on line databases responsibly and sufficiently to avoid their being hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I wanted to make sure I was doing everything correctly so I read up about what to do at the FTC website. That said, it has been 3 months and Equifax still has not deleted the unknown accounts. 

I reported the fraud to the FTC and provided the case number to Equifax. I also filed a police report with an officer, picked up the Police Report from the records office and had it stamped by them. 

In addition I had the police report and my personal statement notarized and I am still being ignored by Equifax and the unknown accounts remain on my credit. I dont know what else to do but to file a law suit if you cant help me. 

The following entries do not belong to me XXXX XXXX XXXX  Acct Number XXXX XXXX XXXX Acct Number XXXX XXXX XXXX XXXX Acct Number XXXX XXXX XXXX Acct Number XXXX US BKPT Identification Number XXXX US BKPT Identification Number XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, this is a formal complaint that Experian has violated my rights.You are in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ), ( b ) ( 1 ), ( b ) ( 1 ) ( A ), ( b ) ( 1 ) ( b ), ( b ) ( 1 ) ( c ). I was never giving a opt out notice informing me of my right to opt out of credit reporting services, how not to have my personal information sold or reported to which I have a right to opt out.
Product: Debt collection

My insurance was supposed to pay and for some reason it did not, and I have since had several other insurance companies I have belonged to.
Product: Credit reporting or other personal consumer reports

My TransUnion credit report contains fraudulent items linked to identity theft. These accounts and transactions were opened without my knowledge or consent. As instructed by TransUnion, I filed a report with the Federal Trade Commission ( FTC ) and submitted all relevant documentation, yet the fraudulent items persist on my report.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX