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

would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report. The below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.
Product: Credit reporting or other personal consumer reports

i see some fraudulent inquiries in my report that's hurting my account. Please remove them as soon as possible. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent disputes letters to Experian, XXXX, and XXXX. Theres several inaccurate account on all three credit bureaus which I sent on XX/XX/year> Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of of the consumer of who relates I asked the account to be updated, and corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCE, ALLY FINANCIAL, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ACCEPTANCE 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

ON XX/XX/2019 I REQUEST TO 3 CREDIT BUREAU investigation regarding inaccurate/erroneous, On XX/XX/2019 agency sent a letter stating that you had completed your investigation and the items were not deleted, This concerns me as I do not understand how they arrived at this conclusion since this information is indeed incorrect, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by their agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/2019 AND XX/XX/2019. 
I ask the credit bureau for their investigation of my dispute. I tell them reply within 15 days or delete the negative items, as originally requested. on XX/XX/2019 I send them a letter very similar and I just received 1 responds by XXXX, ( see Copy ) and no responds by XXXX  and Experian, I have evidence by court they don't report any information to credit bureau, I request an investigation on this matter or I will have to take legal process on this situation against the credit bureaus. Thanks 1. Bankruptcy # XXXX 2. Bankruptcy # XXXX 3XXXX CREDIT CARD CHARGEOFF # XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX M Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry XXXX/XXXX/XXXX.
Product: Credit card or prepaid card

On around XX/XX/XXXX, I attempted to book travel using the HSBC travel portal utilizing my reward points. When I tried to complete my transaction, I was told that there was an error processing the request. No points were deducted from my rewards point account, and a pending charge showed up on my card. I expected this charge to reverse since the transaction failed and I did not receive what I attempted to purchase with my points. A week later I noticed the charge posted to my account, so I filed a dispute with HSBC for the charge. 

After approximately a month of no reply or notice that anything was being done, I finally received a letter from HSBC asking for more information regarding the disputed transactions. I sent them detailed information outlining the circumstances behind the disputed transactions. After sending this back I assumed the issue was resolved since the charged dropped off of my card. However, I noticed on XX/XX/XXXX, the disputed charges reappeared on my card indicating that HSBC is somehow determining I am responsible for the charges related to a failed transaction where nothing actually resulted in being purchased. 

This seems to be boarding on fraud from HSBC bank by deceiving me into using their travel portal with my points, failing to apply the points to my purchase, failing to provide me with what I purchased through their portal, and then charging me for the purchase amount. 

To restate : I have received nothing for the purchases in question. I applied points to the purchase ( which clearly did not happen ). There is no question that these charges should be reversed and to not do so is crazy.
Product: Credit card or prepaid card

What happened was that XXXX XXXX XXXX who owns XXXX XXXX XXXX putted some of my wages on a Wisely card that he mail me to my home address and he only put {$920.00} ( not sure, but around ) and not the entire amount of money he owed me. I opened a case with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  against XXXX XXXX XXXX, with the Division of Wage and Hour. Claim # XXXX Employer # XXXX Anyway I didn't want to touch the money that was in that card just in case I had to show proof that he didn't pay me the full amount owed to me. So, the last time I spoke with XXXX XXXX XXXX ( Case Investigator in XXXX, NJ ) was like in XX/XX/XXXX, and he sent me a letter, dated ( XX/XX/XXXX stating that he had finished investigating my case and he was going to submit it to his supervisor. I tried calling XXXX XXXX several times and no answer. I finally call a number in XXXX and I was able to talk to some else and told me that the XXXX XXXX NJ had a case against XXXX XXXX ( she used a some sort of Legal term ). She told me that I might get my money in the future if XXXX XXXX sells one of his properties and gave me no hope that I will recover my money. 
So, I called Wisely and they said that my Wisely Card # XXXX XXXX XXXX XXXX Exp. XX/XX/XXXX had some kind of restriction and they told me that my balance was {$920.00} ( or so ). Anyway, then they said that my card # did not exist. I asked to speak to their supervisor, and they never did and hang up. I spoke to two other persons and I was told that the card did not exist. From my understanding they are trying to rob my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in XXXX. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 XXXX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I sent a letter of Validation, Cease and Desist, Invoice and Affidavit of Truth And Facts XX/XX/2020 with Signature and Return Confirmation to Mercedes Benz Financial Services. 

Mercedes Benz Financial Services did sign for the package on XX/XX/XXXX at XXXX. 

Mercedes called and left a message XX/XX/2020 which is a violation of the Cease and Desist. 

Mercedes has not sent any correspondence via mail in regards to my Validation, Invoice or Affidavit of Truth
Product: Debt collection

My husband and I are XXXX veterans on a fixed income. And, because we only get paid at the beginning of each month, that is when we sit down and pay our bills. By the end of the month, there's no more money until the next month. 

When we pay bills, especially if it is a credit card, we take the minimum due and round it up to the nearest 100 dollars like so : XX/XX/2019 ACH Transaction - Synchrony CHECK PYMT XXXX ACH Debit On XX/XX/2019 at XXXX XXXX, Synchrony ( XXXX ) called to collect on a debt. It was an automated call, so I hung up and called back to see who the call was coming from. So, I ignored the next four calls : XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX, then again XX/XX/XXXX at XXXX XXXX. 

After confirming payment went through the bank ( above ), I called them back at XXXX XXXX and after the automated system confirmed payment and that the next payment due was not until XX/XX/2019, I stayed on the line to speak with a human. I flustered the young man who took my call. So much so that he agreed no more phone calls, but I could not get anything else out of him, so I hung up on him. That call lasted 7 minutes and 36 seconds. They record all of their calls. I suggest you get a copy of the call. 

I informed the young man that if a company accepts payment - of which they are claiming was a partial payment of which I strongly disagree - whether it is the full amount or not, if the company accepts payment, they can not expect more money before the end of the billing period. The young man did not understand other than to agree to put a note on my account not to call again. 

But that is not the problem. My bill came in under {$200.00} and now they're wanting another {$380.00} BEFORE XX/XX/XXXX. However, the automated system is not asking for that amount until the due date of XX/XX/XXXX.
Product: Debt collection

I contacted XXXX after being a customer of 15 years of more that I was entered into a contact without my approval, and tried on several attempts to cancel service without them Billing all those fees with cancelation. And the vendor would refuse to take the phone back within a 24 hour timeframe. I done all I could do to resolved, by giving them their phones back with receipts to one of their authorizes vendors located in XXXX XXXX. They've now reported a negative balance of {$1600.00} on my Credit Report and causing damage.
Product: Mortgage

XX/XX/XXXX I refinanced two property rentals with on time paying tenants. I have the properties professionally managed by XXXX. Selene Finance was the new mortgage holder. 

Selene finance has yet to submit payment to my insurance provider XXXX from the impound account. XXXX cancelled my properties insurance policy XX/XX/XXXX. Due to me being a long time customer and Selene Finance admitting their at fault for not submitting payments, XXXX reinstated my policy with no lapse in coverage as of XX/XX/XXXX. 

XXXX of XXXX payment still was not submitted to XXXX from XXXX although we have proof of timely payments. XX/XX/XXXX I conducted a conference call with Selene Finance, XXXX, and the insurance XXXX along with the insurance XXXX. 

We were assured from Selene Finance that payment would be submitted to XXXX and we confirmed several times of the payment process. As of today, XXXX still has not been paid and XXXX  keeps trying to enforce Lender insurance although I proved I have coverage with XXXX. 

XXXX will finalize cancellation of my policies XX/XX/XXXX if payment is not received. 

Please help me correct this situation as I want to resolve before consulting with an Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting Act. Then the list of inquires below has violated my federally protected consumer right.to privacy and confidentiality under 15USC 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was sent by my company XXXX XXXX XXXX out of XXXX, Oklahoma to be fitted for prescription safety glasses. The exam, and glasses were to be paid by the company as they had an account with the provider. All employees were allowed XXXX pair a year. After about XXXX weeks the company shut down that yard, and I 'm assuming did n't pay the bill. They are now contacting me and placing derogatory remarks on my credit report.
Product: Mortgage

I have turned in all the information requested of me to LoanCare and XXXX XXXX XXXX required to receive a loan modification. 

They refuse to properly service my loan : They continuously ignore my certified letters and emails. 

They send me misinformation that they have not received documents when they really have. 

I have sent full document packages to their po box XXXX mailing address, and two email addresses and their attorney. 

The documentation attached shows that a full loss mitigation package was sent XX/XX/XXXX, Proof of a 4506-C uploaded on XX/XX/XXXX, and the actual 4506-C that they have sent me documentation stating they are " missing. '' My application is a facially complete application as per 1024 41 ( c ) ( 4 ) ( ii ). 

I also have timestamped emails of the above information that was emailed to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Product: Checking or savings account

Monday XX/XX/XXXX I logged into my Capital One bank account and saw that all my funds were on hold. After seeing my funds on hold I immediately reached out to Capital Ones customer service representative and informed her about what was going on. The representative had asked if I knew about a XXXX transaction that occurred on XX/XX/XXXX and to my knowledge I proceeded to tell her I have no idea about the transaction as it happened over a month ago. The representative puts me on a brief hold and then tells me that Capital One is deciding to part ways with me. They never gave me an explanation on why my account is being closed. I went into the branch Thursday XX/XX/XXXX to see if I could at least withdraw the remainder of my funds since I was able to access my account, but the branch said that my account was still under investigation. The XXXX amount was {$150.00} which is why I am confused as to my account being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX, youve consistently failed to comply with the FAIR CREDIT REPORTING ACT and now I have no choice but to FILE A LAWSUIT AGAINST YOU. Pursuant to 15 U.S. Code 1640 ( B ) - Civil liability class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; I, XXXX XXXX, am aware of XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions Inc CFO, XXXX XXXX XXXX XXXX XXXX XXXX, racketeering activities and The maximum criminal penalties for violating RICO include a {$25000.00} fine and imprisonment for 20 years. 

These penalties are imposed on top of the criminal penalties resulting from two or more substantive offenses that the individual or organization has committed in the 10-year period.

Penalties Under the RICO Act, A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. 

Im aware ALL party ( s ) mentioned above and agent ( s ) have willfully and intentionally violated my rights and has violated the FAIR CREDIT REPORTING ACT as dated on XX/XX/2022, I have given written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and all party ( s ) have failed to comply now I have no choice but to FILE A LAWSUIT WITH PREJUDICE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I had a CD mature on XX/XX/year>, I called to close it on XX/XX/year>, within the 10 day grace period. Customer service closed the account and offered to have the funds transferred via ACH to my external checking account. I provided the information and confirmed. Two days later I received a secure message on their web site which I then confirmed, stating that I agreed to the terms and that my information was correct. I checked two days later and the money had not left the account so I called customer service and they told me expect the transfer to process in 3-4 days. I waited XXXX more business days and called again since the money had still not left the account a week later and was told they will process the transfer in 3-4 business days ... the same answer I got the week before. I asked if there was any way to expedite the processing or if I could go into a branch to have a check drawn but they said no since they consider their online branch separate. A week and a half since I closed my CD, I am getting the feeling that they are purposely holding onto the money and I have literally no recourse or way to access it but to wait another 3-4 days before I try to contact them again. I have had dozens of bank accounts over the years and I have never had a bank hold my money hostage like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and the Creditor ( XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the account is fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent account was verified and/or belonged to me or no response at all. Neither of these companies have provide me with any proof such as any original documents bearing my original signature