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 ( XXXX XXXX ) 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 , FTC and my Attorney General.
Product: Mortgage

Payment was not credited, bank statements sent to lender showing payment but lender is stating the funds was reversed for XXXX, after talking with the bank they sent me a letter stating the payment was issued to the mortgage company. This was back in XX/XX/2022 and still going on today about a miss payment in XX/XX/2022. I asked the mortgage lender to tell me which bank the payment was reversed to but they said they cant tell me that so I think something is wrong with that.
Product: Credit card or prepaid card

I paid for a flight on XXXX XXXX on XX/XX/XXXX for XXXX 
Sometime after that I was contacted by Citi that my card may have some fraudulent charges. That I needed to replace the card. XXXX of the charges that THEY put in dispute was with XXXX. I received a notice that the charge was in dispute along with a new card. I told Citi that the charge was a legitimate charge and for them to correct the dispute. 

In XXXX I postponed the flight till May because of the Covid19 pandemic. XXXX later contacted me and cancelled the flight. When I called them to check to see if I was refunded the money, they said they had no record of the charge. 

In my XXXX statement, I had a charge on XX/XX/XXXX for the {$790.00}. I called XXXX and was told they reversed the charge back to " my bank '' on XX/XX/XXXX. When I called Citi I was directed to their security dept who said they had never received the money From XXXX  and that I had OK 'd the charge and insinuated that I was to blame. I made multiple calls to XXXX and spoke to at least 7 people at Citi. No one seems capable of tracking what has happened to the {$790.00} and I am unable to resolve the issue. 

I fault Citi for filing the dispute and for not being able to find out where the money has gone nor willing to make any further effort to track it. AND WHY SHOULD THEY! iT IS ON MY BILL AND I WILL HAVE TO PAY IT OR GET CHARGED PENALTIES AND/OR INTEREST!! AND I HAVE NOT RECEIVED ANY MERCHANDISE NOR SERVICE FOR THE CHARGE.
Product: Mortgage

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX Stop foreclosure process on our home immediately. 


1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX * ACCOUNT XXXX
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Checking or savings account

Hello, my Robinhood brokerage account was restricted. Robinhood will not confirm if they are taking steps to return my money to my bank account. I sent them all the needed information and they have told me no further information is needed. When I try to call they put me on a wait list which never goes through and they do not call. Every time I try to email them they send me a letter saying it can take up to 15 days to resolve the issue. Also they have a board in my robinhood app that says I'll be contacted tomorrow which the date continues to add one day without any word from them. I would like to get my hard earned money back from them but they seem to not want to inform me when that will take place.
Product: Debt collection

Hello, I have been attempting to work with XXXX XXXX XXXX to resolve a collection issue I unfortunately have encountered. In attempting to resolve this after understanding the where the dept fell, I contacted XXXX to resolve the dept since in have not received any information via mail or phone. XXXX informed me that even though they still own the dept and they are showing up on my credit report that they have turned the dept over to a law firm. The law firm that it has been turned over to is Gurstele Law firm in XXXX AZ. I was able to attain the phone number of the law firm after XXXX told me they would not be able handle taking care of the dept even though it still under their name on the credit report. 

I have attempted to call Gurstele over the past 3 weeks to see about resolving this issue and have received a voice mail in which I have left a messages with my number to call me back. I have never received a call back from this firm nor have received any correspondence via mail, email, or any contact. That said, I called XXXX back and spoke to their legal department on XX/XX/XXXX explaining the difficulty in working with the agent they have designated to help resolve credit issues. They were responsive mentioning that they would contact a manager or attorney at Gurstele to contact me so we can attempt resolution. No response from Gurstele on XX/XX/XXXX so I called XXXX back at XXXX on XX/XX/XXXX to speak to the legal department again to get a name of a the manager at Gurstele and I would be happy to contact them directly. I was directed to a XXXX who is supposedly a Sr. Manager there and I called direct to him where I received his voicmail at XXXX XXXX  to tell me his voice mail was full so I was not able to leave a message to get a call back. 

My compliant is this ... .I have demanded to get validation of this dept and come up with a solution to resolve this dept. I have NEVER had any validation nor ANY possibilities presented to me to resolve this until I found this on my credit report when looking into something needed in my life ... ..How is this possible? I have not received a phone call nor any correspondence. This is seemingly is a pattern that there is a extreme lack of communication by both of these companies that would allow for a consumer to resolve their issue as unfortunate at is may be. I ask for action to resolve this. 

Thank you for your consideration as a consumer to get through this! 

XXXX XXXX
Product: Bank account or service

On XX/XX/2017 around XXXX my business partner and I went into your Chase Bank location at XXXX TX XXXX. Upon speaking to a teller named XXXX we were informed that a {$3500.00} check from our client could not be cashed because " it was over a {$2500.00} limit the customer had placed on a non-Chase account holder cashing. '' We then spoke to the Branch Manager, XXXX. She told us that even if we had the customer write XXXX separate checks she would not allow them to both be cashed. She also refused to cash a check for us if our client wrote XXXX checks in XXXX different names. As we left the bank, she told us she would inform all her tellers to refuse us service. 
I personally hold a Chase Bank account and am extremely offended by the treatment we received. I routinely cash checks at other Chase locations and have never have issues. We whole heartily feel this branch racially profiled us for being XXXX male consumers in a predominantly XXXX run bank. We also noticed a XXXX women 's check was also refused while we were there. This is unacceptable, especially from a company such as Chase.
Product: Debt collection

I settled 3 accounts with Commenity on the same day and call. The representative must have not closed out one correctly. They reflected the XXXX retail card correct. I had to fight to have them fix Victoria Secret that agent said its recorded I settled all 3 accounts but the representative didn't close the Victoria Secret correct nor Torrid. So then they fixed only Victoria Secret. Over a yr later from XX/XX/XXXX I did all I could to resolve all my debt. Now ever since XX/XX/XXXX community continued to report late & derogatory and not reflect the settlement. It has ruined my hopes of growth again. I can't help my daughter with college due to my continuing late from Torrid. I have spent over 13 hrs on the phone. Countless calls and now they sold the debt. I filed with XXXX XXXX  they said it was settled. Still dealing with it all. Please this has just bothered me daily I can't believe they haven't taken the time to look at it logically. Fix this reflect it the way the other 2 accounts finally show. I am begging for any help. Over 1 yr later all the late. Thank you
Product: Debt collection

XXXX XXXX is on my collection report, stating that I owe them {$2500.00}, I tried explaining them that a family member was purchasing phones without my knowledge.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX Balance Owed {$7300.00} XXXX XXXX XXXXXXXX Balance Owed {$2900.00} XXXX XXXX XXXXXXXX Balance Owed {$1500.00}
Product: Debt collection

the year was XXXX XXXX was the month, times was hard working part time due to pandemic not making enough money to buy things cash or debit bank card, with a newborn on the way i knew i was going to need and want things for my son, so i walk into XXXX XXXX trying to apply for a credit card to be able to afford few things right away everything came back negative was denied instantly not knowing why i question and luckily the guy that was helping throughout the store told me get a credit check with the 3 credit bureaus to see what you owe or what's going, so i did after weeks of disputing 10 accounts that were open back in XXXX 7 out of 10 creditors drop after investigation two back came saying no you owe us, both creditors told me if you really do not owe these accounts and your not at fault file a police report that will help all of us remove these accounts and we will continue the investigation, so i did attach police reports to my disputes like i've told everyone i ever spoke to about these accounts, the time all these accounts were open i didn't have a dollar to my name never work didn't file taxes had no source of income sadly i've been a victim of identity theft no way someone without a job could get approve for any amount of credit line thanks to these two creditors who don't care about laws suchs as FCRA they have no prove in any way paper on the phone that these accounts belong to me. if you guys can please take a closer look nobody cares now they just hang up once i ask for more of there time the credit beuras suchs as XXXX  and XXXX  all they do is dispute the creditors but don't solve anything just like the creditors they hang up or say a supervisors will call you in the next 24 hours no call, the creditos XXXX  and nordstrom dont give me more info other then its my accounts with zero proof no billing statement that matches my accounts since i didn't own a bank then its a nightmare with no help they are no holding of an telling XXXX  to tell me that these accounts are going to drop in XXXX that's not the point 7 years of bad credit and nobody care
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX  and XXXX have allowed XXXX XXXX XXXX to continue to report on my credit report inaccuracy information on my credit report and causing my score to go down for their mistakes of reporting correct information. Why do I have to suffer for their mistake. They have violated the fair credit reporting act and continue to do so. CFPB have also reported that they did and XXXX was in a settlement for this and use predatory practice. That they continue to do so! LIKE ADDING INTEREST TO A CLOSED CHARGE OFF ACCOUNT AND REPORTING IT EVERY MONTH!!! IT WAS AT LEAST 8 THINGS WRONG ON EACH CREDIT BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX  XXXX : Account Number : XXXX -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX  : Account Number : XXXX -- >Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX  : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX  : Date Opened : XX/XX/XXXX U.S. DEPT OF ED -  XXXX  : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -Opened XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Vehicle loan or lease

Peace, I am XXXX XXXX, On XX/XX/XXXX I went into XXXX XXXX XXXX and examined a XXXX XXXX XXXX XXXX XXXX, VIN # XXXX, which I then filled out an application for. I made it clear from the beginning of the application process that I would be initiating a Consumer Credit Transaction, pursuant to 15 USC 1679 a ( 2 ), and marked such on every piece of paperwork. After talking to the agent and waiting a day for the application to be ran, I was told I was denied for the vehicle. This is in violation of both 15 USC 1611 and 15 USC 1691.

I then called Capital One Auto Finance, as that was the institution that ran my credit application. I was given a reference number for the application that was submitted on my behalf ( XXXX ), and was informed that there was nothing they could do on their end, and that I would need to talk with XXXX XXXX XXXX about any issue I may have. 

Under title 15 USC 1681, denying me credit would be deemed an diverse action, which is in violation of 15 USC 1691 ( a ) ; It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of any credit transaction. 

I would like you to obtain the greatest amount of redress possible. This behavior is punishable under federal law. 

Below I will provide mailing addresses for both XXXX XXXX XXXX and Capital One Auto Finance. 

XXXX XXXX XXXX Attention : Legal Recourse XXXX XXXX XXXX XXXX, OH XXXX Capital One Auto Finance Attention : Legal Recourse XXXX XXXX XXXX XXXX, Texas XXXX
Product: Checking or savings account

my father opened a XXXX  account for me in venmo to receive my irs XXXX and other checks for me as a teen. This has been the worst experience of my young life... 

The account was opened by venmo and money was deposited into it that usually came to me by physical check. BIG MISTAKE. As soon as any money landed, they froze my account because my father who was out of the country, checks the deposit. They said that it was suspicious that someone outside accessed the account... fair enough. We went through weeks of back and forth and they said thatbon XX/XX/XXXX, they were holding my money for 180 days.. 

Somehow, venmo decided to close my father 's account that he had had for more than 8 years. Because of my debit. 

We tried to find out what happened but venmo just keeps giving us the run around and my father even filed a case here with wihcih they said our transaction flagged their security and we had to wait 180 days to clear. That was on XX/XX/XXXX. 

A week ago, on XX/XX/XXXX I received and email not which I have attached that my funds were cleared from any hold, attached, and I could get my money. Fine.. contact us to withdraw. 

But this process has been impossible to simply close my account and get my money back. They sent me a message saying my father is the legal owner of the account that he should contact them to close the account but for 5 days he has been trying to even get a response. Nothing. The run around and very aggressive customer care people who hang up the phone on you repeatedly ... with endless false and repeated messages and a non exostent customer care who even sit and laugh at you. 

This is America.. how is this even possible. How are these people getting away with this.??? How are they legally allowed to operate as a financial business in AMERICA? I have read online how they steal money even from our veterans and withhold money and frustrate people till they give up. Our XXXX, veterans and old people are being targeted by this company. And I will not rest till I expose this. And how the fdic is letting this happen in our country.. there are thousands of people online complaining of the same exact thing happening to me and my dad. 

I have attached the clearance letter and letter telling my father to collect. But then they don't respond to him. So in essence. This is a hostage like situation. I am sick, very sick with XXXX XXXX, and these people have made my family look like scammers to get our own money. When they are the ones doing this with endless meaningless and all over messages. They have A.I. messages answering you and repeatedly asking you for the same information dozens of times. 

How is this company operating in america??
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, U S DEPT OF ED, XXXXXXXX, XXXX  Account # XXXX, XXXX XXXX, XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

My debts were consistently paid on time until my XXXX  on XXXX XX/XX/XXXX when the XXXX XXXX judge of XXXX XXXX assigned my mortgage and home equity line of credit debts to my ex spouse. Yet following the divorce 5/3 bank reported me to credit agencies, such as XXXX  as paying late and has never corrected this error. 
As a result I can't get a credit card at XXXX and have a low credit rating which has caused me other problems. I have contacted 5/3 to resolve the matter and they responded in a letter dated XXXX XX/XX/XXXX which said that the divorce decree did not alter ownership of my debt. 
In paragraph # 2 of divorce case XXXX. XXXX XXXX XXXX states : 1. Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall have no financial or other obligations with respect to the land contract ... 
2. The three parcels of farmland ... shall be refinanced by the defendant ( XXXX XXXX XXXX so as to remove Plaintiff 's name XXXX XXXX XXXX XXXX from any and all obligations with the XXXX Bank. 
3.If defendant XXXX XXXX XXXX XXXX is delinquent ( within a period of 60 days ) in any payment with regard to the two 5/3 bank accounts defendant shall ... cause them to be sold to ... pay both of the 5/3 bank obligations in full. [ He did not do this. ] 4. Refinancing shall be completed by Defendant as soon as possible not to exceed 30 days from the effective date of this order. 

Attached are 1 ) Pertinent pages from the divorce decree ( to include paragraph 2 ) 2 ) A 5/3rd letter, dated XX/XX/XXXX in which 5/3 states that the account has been paid in full and is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes negative informatiom with the credit reporters about and ols account with XXXX bank thatwas paid off and should have been deleted from my account. The creditor had assured me plenty of times that they are not reporting this account to the credit reporters anymore and they are the ones to fix this on their system. The account was paid off and closed but it still showing as a delinquent account when it should be already deleted from my report. I have contacted experian and the other credit report companies, and disputed this information, but it still showing on my account affecting everything that I can potentially do with my credit.