23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing bankruptcies that XXXX  has been reporting on my consumer credit report since XX/XX/2020. I have sent them multiple letters disputing the alleged bankruptcies explaining why the item that they are reporting must be deleted from my consumer credit report. Each time they send me correspondence stating the item was verified-certified. No information on how the information was certified or verified. However, after reviewing my XXXX Credit report, I discovered that XXXX  used a third-party data company. On XX/XX/2020, I sent XXXX another certified dispute letter with supporting documentation. I received another letter from XXXX  stating that after their investigation, that it is verified-certified the item belongs to me. I have submitted a CFPB complaint on this item as well as others. In every letter, I have sent to them I have included a copy of my state driver 's license and a copy of my social security card. After receiving the response from XXXX  in regard, I sent another letter requesting the items be deleted and enclosed a copy of my social security card, ID with my name and correct address as proof of my identity. I received correspondence from XXXX  stating that once again the disputed item was verified-certified. I am convinced at this time, that either they are not conducting their investigation under the laws and guidelines set forth by the Fair Credit Reporting Act ( FCRA ) or they are blowing me off. Whichever it may be they are violating my rights under the laws of the FCRA and are knowingly reporting inaccurate information and participating in unethical reporting practices.
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX  a credit card was opened under my name without my consent or knowledge. On XX/XX/XXXX I filed a police report and a FTC report stating that someone opened an account with the credit card company named XXXX under my name fraudulently. I first realized this amount was being charged because this person has charged that card {$13000.00} and this resulted in dropping my credit score XXXX points. I emailed the company explaining what happened because that was the only way I could reach out to them. They told me to contact the 3 credit bureaus and file a dispute so I did. They said they would get back to me in the first or second week of XX/XX/2023. XXXX said they confirmed the charges with that creditor and didnt accept my dispute. I am planning to mail the paperwork I was sent to these bureaus ( XXXX and XXXX ). Whoever opened this account I am assuming got a hold of my Experian account because I am not able to access my account the email under the account is theirs and when I try to contact Experian I am never directed to an agent that can actually help me. They say they are going to reach out to me and never do. I am a victim of identity theft and it seems like no one from these companies are attempting to help me. I still have not heard back from the XXXX company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s c 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an 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 items of information, other then records of convictions of crimes which antidotes the report by more then 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: Mortgage

XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX RE : Bank of America Home Loans Account # XXXX To Whom It May Concern : We are a mother and daughter team who started a loan modification in XX/XX/XXXX and after completing numerous applications we are no closer to having this happen and are being threatened with a foreclosure. 

We have submitted several QWR 's and have not received the entire documents requested. Over the course of this process, we have been assigned more than XXXX member representatives, after being told in writing by the CEO, we were being assigned a representative that would be with us through the entire process of the loan modification. We were told on many occasions that the documents we sent to BOA, via XXXX XXXX or by BOA fax were not received, resulting in starting new loan modification requests. 

I am a XXXX survivor with a XXXX and during this process have become XXXX and XXXX due to this XXXX process Bank of America continues to inflict. My daughter XXXX became ill and was diagnosed with having had a XXXX XXXX. Over the course of this process, she has had several more and can no longer work. She has now been diagnosed with an XXXX. We would like to keep the home I purchased XXXX years ago. 

I went to XXXX County Housing seeking help and was informed by XXXX XXXX, the Director of the XXXX program, that the loans on my property were illegal. The XXXX program was how I became a XXXX as a young XXXX mother of XXXX. XXXX XXXX provided me with a copy of my deed and explained that there are restrictions on the property that would not have permitted the loans to be approved. Although with each loan we paid for a title search and title insurance to the lender the searches were either not completed or ignored. Had the title searches been performed and reviewed, the person ( s ) doing the search would have informed the lender of the restrictions on the property. Thus, they would not have approved and completed the loan request. 


I explained this to my lenders XXXX XXXX XXXX XXXX and Bank of America. After XXXX XXXX researched the information and reviewed the deed, they have given us a Lien Release as paid in full. To date, we have not been able to get Bank of America to reply to or acknowledge our requests for the same. 

We are both, me at XXXX and XXXX at XXXX, dealing with XXXX and do not want to be homeless. So, we are imploring CFPB to help us. It has been a very difficult three years with all the game tactics Bank of America has invoked upon us. 

We are now in a time restraint and would like to hear from you and praying for a solution. 

Warm Regards,
Product: Bank account or service

I am writing on behalf of my son, who was a former customer of Scottrade financial products. My son has been a victim of corporate green at Scottrade when his account got hacked and Scottrade refused to refund any of the stolen money. 

Today I am writing to express my concerns over Scottrade 's response to my son 's complaints. Recently, my son discovered that XXXX XXXX XXXX, a branch manager at Scottrade exposed my son 's personal information by accepting insecure emails. Roughly 10 days after the insecure email, my son 's account was hacked. 

My son has been trying to resolve this with Scottrade but Scottrade has resorted to harassment and will not respond to his complaints. My son asks simple questions and Scottrade responds in a manner that is dehumanizing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to verify and validate the debt and it was unsuccessful. The information is being incorrectly reported and since they havent responded nor validated or verified the debt it needs to be removed from my credit report due to FCRA laws as its adversely affecting my credit and score and my opportunity to be approved for a mortgage
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in months that are reported late to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. 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 an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 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 ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX Please supply information on how you have verified this item. 

XXXX XXXX XXXX - Account NumberXXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Mortgage

I paid {$7500.00} in XX/XX/2019 and they reported me as late to all 3 credit bureaus. They have damaged my credit report. I want this removed or else I will sue and contact news networks.
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/XXXX an account with XXXX XXXX was opened account was listed as charged off for {$29000.00} listed as past due XX/XX/XXXX. Also with this company an account was open on XX/XX/XXXX and listed as charged off for {$610.00} written off as past due XX/XX/XXXX With XXXX XXXX  XXXX an account was opened on XX/XX/XXXX listed as charged off for {$27000.00} written off XXXX past due XX/XX/XXXX With XXXX XXXX XXXX XXXX opened XX/XX/XXXX an open balance for {$5200.00} and a past due balance of XXXX on XX/XX/XXXX was listed
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2023 I opened two new checking accounts with Capital One. On Saturday, XX/XX/2023 I authorized Capital One to take {$4100.00} out of our checking account from another bank to put into one of our new checking accounts with them. On XX/XX/2023, four business days later, they took the money out of our prior account and only deposited {$2500.00} into our new checking account. My other account has a XXXX balance and there remains {$1600.00} which I do not have access to. They have it but will not put it into my account for me to access. We have worked hard for this money and it is ours and it is needed to pay bills. That is, after all, the purpose of a checking account, to pay bills. 

Additionally, on XX/XX/2023, I authorized Capital One to take {$2200.00} from our other outside checking account. Unfortunately, I believe that I will have the same issue. Again, this account also is used to pay bills, some businesses take their payment from the account automatically, others I need to pay, I need access to all of the funds immediately. Depositing it piecemeal is not acceptable.
Product: Credit reporting or other personal consumer reports

Dear Equifax I have one question? Why does your company continue to disregard the law when all Im trying to do is get this inaccurate information off of my credit report? You sent me an updated credit report stating the account was verified, but you did not tell me how. I read somewhere on the internet that your company use a computerized system called E-Oscar to process disputes. Is that correct? You dont call the creditors to verify this information? I also read on the internet, that you dont really verify the items ; you just look in your computer and verify that way. That is not what your company is supposed to do. You are supposed to do a true investigation according to the laws put in place to protect me. The account below is damaging. 

THE BUREAUS : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

THE BUREAUS : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX  | XX/XX/XXXX  : Account number : N/A, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX | XX/XX/XXXX  : Account number : N/A, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXXXXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

When I talked with the furnisher they could not provide me with an explanation on why this account is reporting inaccurate. That is strange because they are the ones who put it on my credit report. Dont worry ; I will hold them accountable for their actions. I dont want to seek legal advice to protect my rights, but I will if this inaccurate information is not deleted. 

Please delete the above account and send me a full updated credit report ASAP Waiting.
Product: Mortgage

Select Portfolio Servicing at XXXX Account Number XXXX On XX/XX/XXXX, I signed papers to turn a house, XXXX XXXX XXXX, XXXX, Md, XXXX to this lender under their deed in lieu of foreclosure program. I signed the deed in front of a notary with an attorney reviewing the papers. They wanted the house available as of XX/XX/XXXX. The property manager, XXXX XXXX, XXXX had everything ready for them and no-one showed. They have since missed several appointments and treated the property manager very unprofessionally. 
But the house is sitting empty all this time and things are happening. The company gave me tax forms stating that the house was transferred in XX/XX/XXXX and I filed those forms with the state of Maryland and the Federal government with my tax return under the advice of a CPA. But the company still has not taken the keys from the property manager and expects me to keep up the vacant house. It has been over six years for this servicer to make up its mind about the house. Even filling out and signing the deed has not gotten rid of this house even though I had it broom clean on the day they asked me. 

Back when I was going through the loan modification process, they told you I did not file the papers, but that assertion was incorrect. They continued processing the modification after they told you I had not completed the process correctly and later turned down the loan modificiation. Now they wanted to take the house but expect me to keep it up after I signed the deed over to them and filed my tax return with their information.
Product: Credit reporting or other personal consumer reports

I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX FCU ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/XXXX Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/22 FRAUD : Attempted to book flight using airmiles on American Express Blue Card. Received message : Ineligible to use points. I attempted x3 to use miles online. An " Upgrade Now '' button was available. As a consumer, THE ERROR MESSAGE COMBINED WITH THE UPGRADE BUTTON CAUSED ME TO BELIEVE THAT I MUST UPGRADE TO AN ANNUAL FEE BASED ACCOUNT IN ORDER TO USE MY AIRMILES. 
The " upgrade '' I received was not an upgrade, but an entirely new gold card, giving me 2 accounts with American Express.

In the past 90 minutes I've spoken to 4 separate customer service reps & another 2 online chat. Finally, I was informed that I can use my blue card miles to book a flight, and now I'm waiting 35 minutes ( allegedly ) for a call back from XXXX in order to use my airmiles. I have XXXX miles or I wouldn't bother. Most customer service is sourced from XXXX now, and although the people are kind, they are relying on scripts to deal with cultural issues, and from my experience this is not working for the USA customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the police report of the ftc violations please remove the ftc violations discover XXXX  XXXX  XXXX 4 late payments were b/c of the ftc violations If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

which they all did and in violations
Product: Credit card or prepaid card

I purchased a XXXX XXXX device from Amazon and decided to return it with another Amazon item, a cell phone cover. 
The order was delivered back to Amazon on XX/XX/XXXX, per a Supervisor I spoke with today, but they say that the XXXX was not in the package and requested that I return it or else they would reverse the refund. 
I've gone back and forth with them on the phone and now in email, letting them know that I do not have the XXXX, they have it. I can not return something I do not have. If there was a mix-up in the packaging, then both items would be in question, not just the XXXX Truth is, I did not mix them up. I've returned numerous items over the 10-plus years that I've been a prime member. I know what I'm doing. Plus, mix-up or not, they still should have both items. 
I had requested that they send back the packages so that I can review them and straighten them out if needed, but they won't do this either. 
They can not have both my money and the item, not fair.