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

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to 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 : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Charge-off {$710.00} XXXX XXXX Repossessions {$17000.00}
Product: Debt collection

XXXX XXXX IQ Data International : XXXX Dispute : IQ Data International - Original lender : XXXX XXXX XXXX TX I'm writing to dispute the following information that appears on my XXXX consumer report. 

On XX/XX/2023, I called IQ Data to request itemized report for the debt listed on my credit that i was not aware of. XXXX XXXX the rep whom i was speaking to stated that he don't have to provide the information because i should not have broke the lease. I attempted to inform him by law that I he is required to provide the information and he stated he don't and will not be sending it to me unless i will pay the debt. i stated why would i pay for something that i didn't have knowledge of, reason i attempted to dispute once before. He transferred me to the supervisor twice but no answer either time. he did state that he can send me something that shows {$2600.00} but not the {$3000.00} because the additional monies is interest and he cant include it.
Product: Debt collection

I was called eight times on Friday by XXXX XXXXXX/XX/XXXX ( Ohio ). When I confronted the caller about excessive calls she said they dont have to follow UDAP rules. I also mentioned that they use blocked numbers and she told me that they dont, however the call I was on was from an unknown number with XXXX concerning a missed payment. On Thursday they called six times, Wednesday they called two times as well.
Product: Student loan

I obtained a {$4000.00} loan through Navient and was forced to pay a high interest rate of 10 % for a 15 year term. I attended college at 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 deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$25000.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

A lender ( Rocket Mortgage ) who purchased my loan from a previous lender ( XXXX ) decided to put a lender-placed insurance premium for Wind dated back to XX/XX/XXXX, with an annual premium of {$7100.00}. 

I have been in touch with the lender since XXXX consistently asking them to not to do that as it will put financial stress on my property. They said the CFPB requires them to do that and as a result, there is no exception. 

Upon checking the website, I could not find any material on cfpb suggesting you require a wind insurance. They have said that on a recorded call dated XX/XX/XXXX @ XXXX EST. You can listen to the recording. 

Eventually, after being transferred multiple times, they hung up the call and are forcing me to pay {$7100.00} annual insurance premium on top of my already existing homeowner insurance. They keep iterating this is a federal requirement and there is nothing they can do about it. I am not sure why this is the case because i have other loans with other lenders and no one said that. I also checked with ChatGPT and confirmed it is not a federal requirements. 

I would appreciate any help you can provide to resolve this matter as soon as possible. 

It seems absurd that I will be paying ~ XXXX XXXXXXXX in annual insurance for a property that is worth ~ XXXX XXXX Thanks a lot!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.
Product: Debt collection

I have a dispute with a collection account on my credit report with PORTFOLIO RECOVERY ASSOCIATES my original contract was with XXXX XXXX XXXX XXXX XXXX I didn't authorize them to allocate my personal information to a third-party also XXXX XXXX XXXX XXXX XXXX canceled my original account.
Product: Payday loan, title loan, or personal loan

I received a loan from Care Credit ( Synchrony Bank ) to pay for dental work. I was told there was 12 months interest free. I was provided a " minimum payment amount ''. I believed the minimum payment amount would satisfy the loan during the interest free period. Turns out that was not the case and at the end of 12 months, there was a small balance remaining however interest was applied to the original balance, compounded over the full year and added to the account in a lump sum which almost doubled the amount that was due. This practice is misleading, deceptive and abusive to say the least. Had I been told what the minimum payment amount was to avoid the interest, I would have been satisfied. The purposefully provide a minimum amount which will leave a balance so they can tag you with extra interest charges. If interest was applied to the remaining principle amount after the 12 months and going forward, I would understand but their business practice is designed to gouge people for extra costs and fees. I tried to resolve and was told there was nothing they could or would do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an inaccurate credit card account on my credit report that is hurting my credit score drastically. This is the only bureau that has this account on my credit report. Inaccurate reporting. The account is from XXXX XXXX and the balance is saying {$940.00}, says the account was opened XX/XX/2013. I told Transunion about to inaccurate reporting and that their the only credit reporting company saying this account belongs to me nothing has been done.
Product: Credit card

Capital One Bank has the wrong balance on my account with them. I owe them {$170.00} and they keep adding Bogus Charges to my account. I want an investigation into their practices. 
They are over charging my account.
Product: Checking or savings account

Commerce Bank sent me a 1099c cancelling debt I DO NOT OWE as my account was compromised years ago and charged off at said time due to fraud someone stole my debit card and used it! I refuse and will defend it vigourusly and am not claiming this on my tax return in that it did NOT occur in 2020 but years before. Shame on Commerce Bank DO NOT use them!
Product: Credit reporting or other personal consumer reports

I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, ( I C System ) attempted to fraudulently collect a debt of {$1500.00}. Not only did they attempt to collect, they caused damage of creditXXXX GoodName by reporting false signatures and information to XXXX XXXX XXXX XXXX and. XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed, via certified mail, inaccurate information XXXX XXXX XXXX was reporting to the credit bureaus, as per the FCRA. I also called XXXX XXXX XXXX twice about this concern. The account is showing as Charged off/in collection when this is in fact not the correct information. My dispute came back as verified which is a blatant lie and against my rights under the FCRA. I am requesting that this account be removed from my credit report due to the companies failure to correct inaccuracies correctly as per the FCRA.
Product: Money transfer, virtual currency, or money service

Background : I have been a loyal customer of Cash App since XXXX. I have used the service for paying and receiving funds from family and friends. 
Early XX/XX/XXXX, I used the service to transfer crypto payments locally and internationally. 

The issues : 1- some of my XXXX payments in XXXX and XXXX were unknowingly and unfortunately to website scammers that resulted in loosing my funds 2- it seems that Cash App knows about those websites and didnt warn me to not pay 3- late XX/XX/XXXX Cash App suddenly closed my account without notifying me 4- on early XXXX, I tried to use the app and digitally was told that my account was closed 5- I contacted customer service 4 times to ask for a reason to close my account and was told that they will email me of the resolution 6- however I havent received a single email or an answer to my account closure
Product: Debt collection

Was told that if i agreed to a payment plan with alltran education to pay of installments from XX/XX/XXXX through XXXX of 19 then paying the full amount. They have failed to send me requested verification of the debt requested in XXXX. They also told me that it would not impact my credit if i did things that way which was why i agreed to that. In XXXX it hit my credit without me having missed a payment and being very cooperative. I disputed it with them and they acknowledged what i said but refused to remove it from my credit as we had discussed originally. They said the debt was XXXX even though i was told by XXXX  XXXX University that i owed about XXXX. The debt was due to a misunderstanding on my part 2 years ago which XXXX failed to contact me in regards to and no one ever validated the debt owed leaving me to wonder if i actually did make a mistake. This company misled me and in doing so has severely hindered my ability to pay the debt as well a career opportunities.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account XXXX is reporting inaccurate data to my credit file, the debt had reached the statue of limitations that a collector can report a debt of XXXX, this debt also did not ever belong to me. 

Please follow the laws and removed this inaccurate reporting
Product: Debt collection

Any account with my name on it at XXXX XXXX XXXX XXXX was closed in good standing. Me nor my wife were informed of any debt when the account was closed.
Product: Credit card or prepaid card

BEST BUY is the only company I ever heard of that has no grace period. In the past I have sent my payments in in a timely manner, but they have a delayed time in processing these payments. I send all my bills in at the same time an BEST BUY is the only company to charge late payments and fees.I tried calling to understand their method of posting but do not get any satisfaction. I was so upset by their method that I wrote a check to pay off the ENTIRE balance to be done with them. I sent this on XX/XX/XXXX and it was processed on XX/XX/XXXX. ( I of course was not charged fees on this ), SIX DAYS this is a perfect example of how long it takes them to process payments. Someone needs to take a look at their money making scheme.
Product: Credit card or prepaid card

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air 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. 
CAPITAL ONE- Balance {$0.00} -Date Opened : XX/XX/XXXX CAPITAL ONE BANK USA N-XXXX XXXX Balance {$0.00} -Date Opened : XX/XX/XXXX CAPITAL ONE BANK USA - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to XXXX5 USC 1681b ( a ) ( 2 ). The following accounts and inquiries were placed on my credit report unlawfully and without my consent Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. 

INQUIRIES 1. XXXX XXXX XXXX 2. XXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX- XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX- XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXXXXXX XXXX 12. XXXX XXXX XXXX- XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX 19. XXXX XXXX XXXX XXXX XXXX 20. XXXX XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX 24. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX Bank of America closed my account. As usual, they said that the decision was irrevocable. 

More than 2 months have passed and the bank has not yet released my funds. This is what they said on a letter back in XXXX : " The balance in the account was $ XXXX at the time of account closure. A cashiers check for the total amount was sent to our Hold Harmless unit If you would like to inquire about any recovery of the remaining funds the Hold Harmless Department can be reached at XXXX, Monday through Friday, XXXX XXXX XXXX XXXX XXXX  Eastern '' When I called to that number to inquire about the recovery of my money, as they suggest on the letter, the bank representatives do not provide any information about how to recover the funds or when would they send me a check. 

Is this legal for the bank just to hold my money for an unlimited time without explanations?
Product: Debt collection

LVNV FUNDING LLC INTENTIONALLY PROVIDED FALSE DATA TO THE CIVIL COURT OF THE XXXX XXXX XXXX XXXX TO PROCEED WITH A LAWSUIT. 

LVNV FUNDING LLC IS ENGAGING IN ILLEGAL ACTIVITY, FALSIFYING DATA IN REGARDS TO SERVING A SUMMONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is stalling with saying that my identification was not valid when ive sent all the required docs.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; Chapter XXXX Bankruptcy XXXX ;
Product: Credit reporting or other personal consumer reports

I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX
Product: Prepaid card

I have a chime charge that I first noticed on XX/XX/XXXXXX/XX/23 there were charges in the amount of {$1.00} that were pending in my account. I called chime to dispute the charges and by this time I noticed there were several more charges in the same amount of {$1.00} which posted on XX/XX/23. I put a dispute in for the charges on XX/XX/23 now I would like to mention at the same time I was dealing with a personal issue with a family member XXXX in the hospital so I was not necessarily paying attention to every single transaction coming out of my account. The merchant was blocked and I was sent a new card but something told me to looked at previous chime statements and I noticed there were a lot of the same charges in XXXX of 2023 as well. In total there were about 90 of the same exact charges that added up to almost {$100.00} in total. I filed two different disputes that were denied. I tried calling the phone number attached to merchant charges and got nothing, I search the name on the charge which was XXXX XXXX and several message boards came up with different customers stating they recieved the exact or similar charges and they were not able to get their money back even after disputing it with their bank. I am a XXXX mother I dont have {$100.00} to give to anyone stealing from my account and the reason this complaint is being filed at this time is because my grandmother passed away recently after a lengthy hospitalization and I had to deal with that. I understand Chime is a pre-paid card however that should not mean that you allow scams and unauthorized charges and as customers were supposed to just XXXX it up and take the loss. If this issue is not resolved I will gladly take my money somewhere else where the due diligence is done and they make sure their customers are given back what rightfully belongs to them
Product: Credit reporting, credit repair services, or other personal consumer reports

two collections are reporting under my equifax credit file, this credit reporting agency is reporting anything they want, i have disputed and each time they say it has been verified, but i have even called the creditors they do not even have my name in their data base, please hep me to have these inaccuracies removed from equifax credit bureaus thank you
Product: Debt collection

Hello, I received text from Harris & Harris on XX/XX/XXXX XXXX Am to call or go their website upon calling I was informed I owed {$90.00} for services at XXXX XXXX XXXX for XX/XX/XXXX that I didnt go since XX/XX/XXXX for XXXX this is past due and in collection I dont understand why Harris & Harris and XXXX XXXX didnt call to verify if I was there to destroy my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card through XXXX XXXX. They turned me down based upon a credit report through TransUnion saying I has " Insufficient credit ''. I went to the transunion site and was unable to get a credit report from them. 

I am XXXX yrs old and have lived at the same address for nearly 10 years and have the same SS number I have had since I was XXXX YO. I have excellent credit. I'm not sure why TransUnion is not able to provide me with my credit report based upon this information?
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, XXXX, Equifax, and XXXX remove the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you