23daVinci/CFPB_Complaints huggingface dataset:
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 

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: Mortgage

I paid off my mortgage with Loancare / XXXX XXXX over two months ago and they will not send a release of trust deed to the county clerk, nor send me the cancelled promissory note, etc. Each time I contact them they give me a different story and a run-around. One time they say it was sent to the County the day after I paid it off ( the county has no record of receiving anything ), another time they say it has n't been sent to the county yet ( which is simple for them to do ), etc. They received the full payoff funds via wire transfer, and they show the loan paid in full on their web site. They give different lengths of time to wait, etc. always longer than it has already been. Reading other reviews on the web about them it 's common to see they do n't act reputably.
Product: Checking or savings account

On XX/XX/XXXX a law firm by the name of XXXX XXXX XXXX XXXX contacted regarding a old closed account from US Bank with dates XXXX of a XXXX debt and stated they work for XXXX XXXX who prepares the legal documents for US Bank . I have not had a account opened with those dates from US Bank and the account was closed in XXXX. This company is collecting from a old debt
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. In regards to my XXXX XXXX XXXX XXXX I sent the Consumer Reporting agencies a copy of proof of identity, a copy of an identity theft report, the identification of such information, and a statement by me that the information is not information relating to any transaction by me. This was sent and received by all Consumer reporting agencies. XXXX has followed proper protocol by blocking the information from my report according to fcra 605B. However Equifax and XXXX have not. I have proof of delivery of such items. In general a consumer reporting agency may decline to block or rescind a block of information if the agency has reasonably determined that the information was a error, there was a misrepresentation of fact, or the consumer obtained good or services as a result of the block however, they are required to send me promptly information pertaining to this and have not done so. I was under the impression they had 4 days to block the information from the report unless they notify me of the rescind or not blocking the information. I will be looking at what damages are being caused by not following the strict guidelines protecting consumers from identity theft if this is not resolved immediately. This account must be blocked.
Product: Credit reporting or other personal consumer reports

The credit bureaus are in violation of my consumer rights. 

the reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : XXXXXXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX opend XX/XX/XXXX XXXXXXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX opened XX/XX/XXXX 15 U.S. Code 1681i 15 USC 1681e ( b ) ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Credit card

Today, I received an alert from XXXX XXXX XXXX regarding a credit report update. Upon reviewing it, I discovered an account that I did not recognize and had not authorized to be created. This was unexpected and concerning, as I had no prior knowledge of this accounts existence.
Product: Checking or savings account

Disputed transactions Company refunded one was refunded instantly Been waiting on 2nd disputed transaction since XX/XX/XXXX. 

Company refunded 2nd transaction today. 

The dispute still no update The refund isnt available to me. But I have proof it was refunded
Product: Debt collection

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I am reaching out for assistance in reopening my fraud claims with Citibank to recover stolen funds. Since XXXX, I have been the victim of a robbery and multiple data breaches that have severely affected my finances. 

I have provided details of disputed fraud transactions from two different accounts. Specifically, there were multiple unauthorized XXXX transactions made to unknown individuals from my stolen phone. Despite providing valid proof and police reports, all my fraud claims have been denied. 

I am requesting that all my fraud claims be refiled, including those not listed here, as I do not have all the case numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your help in addressing this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Today I had an inquiry on my report that negatively affects my score from a company that I've never dealt with and have NOT authorized them to review my file. I reached out to XXXX XXXX but they said I needed to reach out to SYNCB, however, I have no clue who they are and have no idea how to contact them. Please help me remove this from my file. Thank you. XXXX
Product: Debt collection

Collection Opened : XX/XX/2021 ; Alleged Debt Collector : TRANSWORLD SYS INC/51 ; Account # : XXXX ; Alleged Debt Amount : {$1100.00} ; XXXX, XXXX and XXXX hav All Violated my Federal Protected Consumer Rights ; I have Proof of a Medical Violation they reported on my Consumer Credit Report ; XXXX, XXXX and XXXX are currently in violation of 15 USC 1681 ( 3 ) - Restriction on sharing of medical information and 15 USC 1681b ( 4 ) - Limitation on redisclosure of medical information. I have written to them several times since XX/XX/2021 and they are still reporting this Medical Violation on my Consumer Credit Report. I have requested several times through written and verbal instructions to remove this alleged debt collector from my consumer credit report as the alleged debt collector also obtained my personal information illegally which is also considered Identity Theft outlined specifically in 15 USC 1681a ( 3 ) Identity Theft. It has been over ( 45 ) days, where I am demanding XXXX, XXXX and XXXX to delete & remove this alleged debt collector/collection immediately from my consumer credit report as I have never signed any agreement and/or contract
Product: Student loan

I sent a letter exercising my Equity and disputing the student loans asking for the MPN asking for the school to send me the " Original Instrument of Indebtedness in it's original form ''. I've gotten no response back from XXXX XXXX XXXX XXXX ... even though I have a certified mail receipt saying that they did indeed receive my dispute letter on XXXX. This is now a violation of the Fair Credit Reporting Act and I intend to follow through with a law suit ( as I have a paper trial ) FCRA SECTION 611 Part ( A ) ( 1 ) failing to respond in 45 days. I also sue for the max for also noncompliance. If this item is not removed from my credit report. 

The company also claimed to not have me in their system from the last complaint submitted on XXXX ( Complaint ID # XXXX ) despite having my FULL name and address. This is my last attempt, if XXXX does not remove this from my credit profile I file a lawsuit and enforce my rights under the Fair Credit Reporting Act. 

Therefore, I will provide my ENTIRE social security number and date of birth. So there should not be any reason for XXXX to not verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft to the bureaus, requested a freeze. I went through each step with the FTC. To no resolve. My use Idenity has been completely taken over. Unemployment claims, XXXX accounts, online payments, even XXXX refuse one now. 
My ex finance stole my information him ( XXXX XXXX XX/XX/XXXX ) and his girlfriend XXXX XXXX took advantage of my mental illness and took everything from me. I I dont know what to do. Its been months, things are getting worst. He even sends fake letters requesting money. Please help me.
Product: Mortgage

I have been attempting to get a payoff letter from my mortgage company since XXXX XXXX. The payment is due in 5 days and they are not getting me the letter. I was told yesterday to call today for it ; when i called today it was still not done.
Product: Credit card or prepaid card

Bank of America withholding substantial funds that are not owed to them and belong to me. 
Sent letter in XX/XX/2019 that they returned the funds but I do not have them.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

a lot of information is invalid on my credit report. I am interested in disputing all incorrect information with transunion to help my file.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX, they did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I call XXXX I even set up online account trying to dispute, this fraudulent inquiries that I didn't do continue XXXX & XXXX of same name company I call I was told get credit bureaus correct all 3 credit bureaus XXXX Exfax XXXX. I'm tried of trying correct my credit by my self it got be removed I don't go out here trying get credit back to back with same company inquiries of my credit how can I get new social security number. I can't do this for ever this is stressful.
Product: Credit reporting or other personal consumer reports

Integrity Texas Funding responded to CFPB complaint XXXX stating that they are compliant with state and federal laws and has committed no wrongdoing. They also stated that the contract meets all the requirements under the Truth in Lending Act, setting forth all fees and interest and payment information. Integrity Texas Funding failed to provide the required documentations so as of now this is hearsay and subjective. Your company failed to provide original loan documents which were requested of you and as a consumer I have this right. You have no basis to sell an alleged debt and accuse me of owing your company when you have failed to furnish such documentation. I have tried to handle this via CFPB and not in court but being that I now have proof of your negligence and disregard to provide the required documentation I will be moving forward with forwarding this information to my legal attorney to take this up in court. You have failed to provide a loan document bearing my name and any correspondence sent to me claiming that I had a debt with your company or that it was being sold. There are many FCRA violations that was committed on behalf of Integrity Texas Funding and I will be moving forward with filing a complaint seeking relief and monetary damages under FCRA Sections XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXXXXXXXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} N/A XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} N/A XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} 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 Balance Owed : {$1500.00}
Product: Credit card

In XX/XX/XXXX I used my Capital One credit card to purchase tickets through XXXX. As a Capital One card holder, XXXX XXXX gives early access and competitive prices on concert tickets. I purchased four tickets. 
The tickets were transferred to me the week of the concert via XXXX XXXX. The seats I received were much better than the ones I originally purchased. I called XXXX XXXX to confirm that these were in fact the seats and they did validate them for me. 
I was not able to attend the event. I decided to sell them via XXXX on XX/XX/XXXX, the day of the event. I got confirmation that they were purchased. I transferred the tickets via the XXXX app. The buyer confirmed receipt of the tickets. A few hours later I was notified that the buyer was denied entry at the event for invalid tickets. As a penalty, XXXX charged my Capital One card the cost to replace the buyers tickets, {$500.00}, and an additional {$490.00} penalty for selling invalid tickets. 
I immediately contacted Capital One, XXXX XXXX  and XXXX. XXXX XXXX said the tickets looked valid on their end and needed to ask the buyer what happened. I emailed the buyer but there was no response. XXXX said I had to contact the venue to find out what happened when they scanned the tickets. I attempted to do so but I was not able to reach an actual person when I contacted the venue. It is just a recording on a loop. I sent emails to all the of the vendors involved and never responded. I made Capital One aware of all of this on a few occasions. 
Capital One denied my claims saying that I didnt upload the requested information. I provided all the information/communication I had exchanged with the vendors. I called and re-opened the dispute two additional times. I requested help with trying to understand what additional details were needed. In each instance, the person I spoke with was very sympathetic and understanding but they only took my information. I have not been able to get any details or guidance from Capital One about what evidence they would need. Im not an attorney. Im an everyday person trying to figure out this terrible, expensive situation. I feel like Im being revictimized at every turn to provide details I couldnt possibly have access to.
Product: Credit card or prepaid card

Bank of America sent me a promotional mailing on  XXXX   XXXX ,  XXXX . It contains  two  promotional offers : " OFFER  1 : L OWER RATE 0 % ( 0 % Daily Periodic Rate ( DPR ) ) Promotional APR until  XXXX   XXXX .   Use Offer ID  XXXX , or use red check number  XXXX . '' " OFFER  2  : MORE TIME 1.99 % ( .005452 % Daily Periodic Rate ( DPR ) ) Promotional APR until  XXXX   XXXX    Use Offer ID  XXXX , or use blue check number  XXXX . '' I called in to Bank of America and mentioned Offer ID  XXXX  and I told them I 'd like to make use of the 0 % APR until  XXXX   XXXX  ( " Offer  1 ' ' ). The customer service agent declined to extend my 0 % APR period on card purchases, stating that the offers only applied to balance transfers. I replied saying that the offers do not mention balance transfers or any such restriction, and if the offer  ( s  ) were indeed limited to balance transfers, that should be clearly stated in the offer  ( s  ). The agent again denied my request to utilize the 0 % APR offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # 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