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

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report.

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

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

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

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

XXXX XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} ( Original Creditor : XXXX  ) XXXX Collection {$230.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Collection {$230.00} XXXX XXXX XXXX XXXX Collection {$18000.00} XXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX Charge-off {$510.00} XXXX  XXXX Charge-off {$12000.00} XXXX  XXXX Charge-off {$790.00} XXXX XXXX  XXXX Charge-off {$6400.00} XXXX XXXX Charge-off {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX XXXX never late XXXX XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX  XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

This should not be included in my credit report due to the time it has passed
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have submitted the required documents, including a letter from an advocacy group assisting me as a victim of XXXX XXXX  through debt bondage. This situation qualifies as XXXX under the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ). 

I respectfully request that you block this information from my credit report within XXXX business days, as mandated by Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX through debt bondage, I urge the immediate removal of all related items and the deletion of any associated company information from TransUnion. 

Please proceed with removing the following item : XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX U.S. CXXXX XXXX ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
XXXX U.S. CXXXX  XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Student loan

I SUBMITTED THIS ON XX/XX/XXXX and HERE IT IS AGAIN! 

I have a private loan through Navient ( Originally XXXX XXXX ) for my professionaXXXX XXXX school program at the XXXX XXXX. This loan was acquired in XXXX. I have paid on this loan for many many years. Over the years I have had situations in which I needed help or deferment with making payments such as when my mother was sick XXXX XXXX XXXX XXXXXXXX XXXX, returning to school to complete my professional education, job loss and also the pandemic and they have always been very difficult and have refused to offer any help. My small business was greatly affected by the pandemic. I lost 75 % of my business in XXXX and had to take out small business loans which I had to use to pay for these loans. I have continued to pay my loans for years even through times of extreme hardship. I contacted them today to tell them that I have been struggling to get paid by insurance plans for my healthcare services and I needed to ask for help in either a break from payments or lower payments. The representative that I spoke to was XXXX XXXX on XX/XX/XXXX. He said that he could lower the payments from XXXX per month to {$62.00} per month for 6 months but then he required automatic payment from my bank. I don't want to do automatic payment from my bank. I am having difficulty and I need to organize my finances and pay from a source of my choice. I spent considerable amount of time on the phone for XXXX to see what the options were and in the end he came back and asked for an automatic payment to be setup. This company makes me very angry. I have paid on these loans since XXXX and though I have asked periodically for help through this last 13 years they have never been helpful. I also found it extremely problematic that they refused to recognize my in school status. This loan was for an education program to try to better myself and my career. I am considering reviewing this loan with an attorney as I am sure I have paid the loan by now and yet I have only paid half of it down. In the past I have asked them to outline what I have actually paid and they have refused to provide that information to me.
Product: Money transfer, virtual currency, or money service

Supposedly through XXXX XXXX  I was purchasing several tickets to an upcoming XXXX game in XXXX Az Monies were transferred Through Paypal Never recieved tickets or confirmation. 

From what I can get out of this situation is under the guise of some poor ladies name in XXXX these XXXX  were advertising tickets that did not exists, it took me a while to realize what was going on and that I had been XXXX... Too late for my situation, just very sad that organizations like XXXX XXXX and Paypal put up with this kind of XXXX. Hoping some thing can be done to stop this kind of robbery on web sights that are supposed to be trustworthy Thank You Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I used my bank of America XXXX credit card on XX/XX/2023. The limit is approximately {$200.00}. I spent {$58.00} and within 3 days Bank Of America reported it to XXXX. XXXX immediately decreased my XXXX XXXX XXXX points 3 days after using the credit card. Take into consideration I did not use half the credit card balance and they still decreased it. The question is are the credit bureaus suppose to decrease the XXXX XXXX after using your credit card. The card was not close to the limit. This is discrimination against a XXXX consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Discover Bank 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 : 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 purpose.
Product: Credit reporting or other personal consumer reports

I am very disappointed that despite my persistent efforts to dispute and rectify these issues, it appears that the inaccuracies persist, particularly the account named XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX ), being removed and re-added multiple times, specifically on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I don't know what else you need from me to prove that this account has been charged under my name without credible proof of validation. I didn't even sign any contract agreement with this collection department. I have had no physical contact with them and was not aware of their presence until their names appeared on my credit report. 

I want to bring your attention to the following derogatory items : 1. XXXX XXXX - Account XXXX This account has been paid off, yet discrepancies exist in the reported dates of the Last Active and Last Payment. Inconsistencies like these raise questions about the accuracy of your reports. Life circumstances, such as a family member 's critical condition, can impact payments, and I urge you to consider the human aspect in these situations. Despite previous removals, the account keeps resurfacing. 

2. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : XXXX I have no knowledge of this account and have never entered into any contractual agreements with the collection department. Its multiple removals suggest a lack of validation and verification, yet it persists on my credit report. 

3. XXXX - Account # : XXXX This account displays discrepancies in reported dates and amounts, similar to other accounts. 

4. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX The " last active date '' is inaccurately reported, further highlighting the inconsistency in the information provided. 

5. XXXX - Account # : XXXX This has shown faulty reporting due to some mistakes in a two-payment history. They have reported it Charged off in XXXX and fully paid in XXXX, and still they continuously furnish such accounts despite its obvious error in their reports. 

The following collection accounts has failed to provide the following documents I need : 1. An Official Contract Agreement : I have not seen even one signature on the billing statement that they have provided. No sworn agreements and contracts were included ; they only provided me with a plain billing statement. How can that be considered valid proof if there is no signature on it? 

2. Proof of Licensing : Where are their furnished documents that demonstrate their status as a licensed debt collector with the legal rights to collect debts, both within and outside my state area? THERE's NONE! 

3. Transaction History and Payment Records : How can they substantiate that this billing statement is mine if the address written on it is incorrect?
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had a COMENITYCB/ULTA account XXXX XXXX, for the most part I have had excellent payment history. I see I have late payments being reported on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. I am unaware as to why these payments were reported late. I do not recall submitting the payments late. I am not blaming this is on COMENITYCB/ULTA, XXXX simply do not recall what transpired for these late payments to occur. I am asking as a courtesy for all or some of the late payments to be reversed as pai as agreed. Or for at least the most recent late payments XX/XX/XXXX, XXXX and XX/XX/XXXX to be reversed as paid as agreed. 

The late payments are hurting my credit profile tremendously and is stopping me from getting the best possible interest for a new home. I spoke with the CRAs in hopes of getting help from there in regard to this issue. They stated the company has the ability to reverse late payments and they suggest I reach out to the company directly. I am asking as a courtesy and a as a customer with a decent payment history is there something that can be done. Thank You
Product: Credit reporting or other personal consumer reports

XXXX XXXX- this account is ran as a charge off but i never received any of the 1099 cancellation of debt form which makes this account inaccurate and it has to be removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Prepaid card

am writing to express my extreme dissatisfaction with the handling of my dispute regarding unauthorized charges on my account. Around the end of XXXX my wallet and phone were stolen, and as a consequence, unauthorized charges were made on my NETSPEND card account.I promptly reported the theft to both law enforcement and your company on XX/XX/2023. Despite providing all necessary documentation, including a copy of the police report and any other requested information, the issue remains unresolved.I have attempted to resolve this matter through your customer service department multiple times, but regrettably, the issue persists. 
The unauthorized charges continue to affect my financial stability, causing undue stress and inconvenience.I am requesting a thorough investigation into this matter and an immediate resolution to remove the unauthorized charges from my account. 
Additionally, I kindly request a detailed update on the progress of your investigation and a timeframe for its resolution.If this matter is not rectified promptly, I will have no choice but to seek further assistance from relevant consumer protection agencies or legal counsel. 
I urge your immediate attention to this matter and request a resolution of a full refund at the earliest convenience. 
Please contact me at XXXX to discuss this issue further. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

We received an email from a vendor instructing us to wire the funds to their bank. Once we followed the wiring instruction and wired the funds from our bank, Chase, we learned immediately that the wiring instructions were incorrect. We contacted our bank Chase and the receiving bank, XXXX XXXX  immediately they would not do anything to assist us.

Chase has indicated that we must first provide a 'Hold Harmless '' document releasing XXXX XXXX  from all liability prior to Chase assisting us with this wire fraud. 

We when contacted XXXX XXXX  immediately after the wire was sent, they would not put a hold on the account allowing the FBI to come in and do their investigation. 

Thus the fund is lost and the account has been closed.
Product: Credit card or prepaid card

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Product: Credit reporting, credit repair services, 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. 

NY CHILD SUPPORT ENFC. 
ACCOUNT NUMBER XXXX 15 USC 1681 SECTION 602 A. states I have the right to privacy.

15 USC SECTION 604 A. also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 S-2 ( A ) ( 5 ) SECTION STATES no consumer reporting agency may make any consumer report containing any any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe to believe that the information is inaccurate.
Product: Bank account or service

My ex-wife and I owned a property, with the Mortgage being held by Wells Fargo. We got divorced, and both of us ended up filing for Chapter XXXX bankruptcy and receiving discharges for each of our filings. Each of us surrendered the property as part of our filings. Since the surrender and discharges, Wells Fargo has not retitled the property nor made it available for sale, so my ex-wife and I are still accruing thousands of dollars in HOA fees and fines for a property we no longer own or have access to. While I can understand a small carryover, this has been ongoing for years as XXXX 2013 was the last BK discharge. We are looking to have Wells Fargo actually retitle the property to relieve my ex-wife and I of the additional financial burdens of the property since we do not own it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX XXXX regarding a dispute I submitted to XXXX related to late payments on my credit report. As well I inquired about my credit reduction in XXXX. The XXXX XXXX representative could not find any logical reason why my credit was reduced in XXXX from {$1200.00} to {$400.00}. I was told that XXXX XXXX no longer had a file of my payment history. I was informed that the payment history was provided to XXXX When I submitted the dispute with XXXX I am informed that they would need to contact the creditor. At this point, I feel as a consumer I am being mislead about who maintain my payment history. 

In XXXX The Home Depot adversely effected my credit. My credit score decease to XXXX from XXXX. It has been a long road to build my credit back to credit worthiness. Three of my credit cards were closed and two reduced because THD, in my opinion, reported I was severely negligence on my payment of {$120.00}. As I reported in dispute in XXXX my line of credit with The Home Depot was {$3000.00} ; however, I paid my balance of {$120.00} after my credit line reduce to {$500.00}. Then I instructed them to close the account because I did not see myself as a valued customer. Then, I received closure letter from other accounts that I was in very good standing and the account had no outstanding balances. 

To this day, I still believe The Home Depot reported my credit worthiness as poor. Again, none of the creditors were able to logically inform me why they reduced or closed my accounts. As a struggling working American I only have my name and integrity to repay in good faith my credit. I feel as if I am " getting the round around. ''
Product: Debt collection

Company calls continually, yet wont tell me what this is about unless I disclose a ton of private information. I am certain this is about a paid doctor bill, that another company tried to collect on until I sent them my paid statement. It appears that company sold the debt to this company once they knew there was nothing to it. This company wont even attempt to let me prove I do not owe the debt.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card or prepaid card

I am not able to use my Amex Membership Reward points ( earned over the last two years ) because my account has  been in " review '' for three months now. I contacted them few times and they never told why it was in review or when the review will be done. It's already been almost 3 months and the only answer they give is that my account is still in review with no reason or timeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditors who placed the inquiry, and asked them to remove their credit inquiries from my credit profile. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. Delete these inquiries!!! Im not having a company send this this is XXXX XXXX!