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 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 Collection {$0.00} XXXX  XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Charge-off {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts violated my rights : U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX* US DEPARTMENT OF EDUCATION XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX xXXXX XXXX DEPT OF ED/XXXX XXXXXXXX XXXX 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. Thanks!
Product: Mortgage

I am applying for a loan modification with the VA and with Loan Depot. When my application was approved for the modification process with the VA. I was told on two separate occasions that I did not need to make any payments towards my mortgage until XXXX 2023. I spoke to 2 different people. One was a man and the other a women. Both advised me that I did not need to make any payments. I listened to their advice. 

Today XX/XX/2023, I spoke to a representation from Loan Depot to make my loan payment. I was told by her that I should have been making payments and that the information that was given to me was incorrect and that Loan Depot did not train their representatives well enough. I am behind on my mortgage XXXX due to the information that was provided to me by loan depot representatives. Is there anything that can be done about this?
Product: Mortgage

I found out through the website that I was put on a repayment plan that I cant afford the down payments, I was given an offer of a repayment plan with a different amount for down payment and then this company turned around and gave me a repayment plan with a down payment that I cant afford. I believe they want me to default on repayment plan so they can foreclose. The first plan offered was down payment of XXXX and I seen today on website they want XXXX. I dont have this kind of money. Why wont this company help me to keep my house.
Product: Checking or savings account

My cell phone was stolen. The thief was able to login to my Chase checking account through the Chase mobile app, it is unclear how they were able to do this as it is password protected. This individual transferred {$2000.00} to themselves via XXXX through the Chase app on the stolen phone. I have filed multiple disputes with Chase and escalated it as far as possible. Chase refuses to recognize the transaction as fraud and will not refund me the stolen money. There is an ongoing police investigation and a suspect has been identified, both Chase and the suspect 's bank are complying with subpoenas.
Product: Debt collection

This is to dispute this collection I been tried to resolve this problem no one seem to help me I contacted all three credit bureau no resolve.
Product: Checking or savings account

On XX/XX/XXXX a little after XXXX I drove to the arm machine located in XXXX XXXX CA to make a deposit of XXXX. I went through the drive up atm inserted my card and deposited the cash. The machine kept making noises and I noticed it was taking longer than usual it then gave me a receipt saying the machine was out of order ( no signs on machine prior to use ) to contact my bank. I called a chase while still by the atm and filed claim. I was given a credit but today XX/XX/XXXX chase reversed the credit and claimed the deposit money I deposited was not there when they counted the money for that day. I now cant pay my mortgage and have fees accumulated due to this issue. I wanted re investigated or get a subpoena so they can review the video of that day!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$28000.00}
Product: Credit reporting or other personal consumer reports

This is my endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$2900.00} XXXX XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX has Messerli/Kramer out of XXXX Mn handling the collection. The lawyers from day one have lied and been underhanded about the debt. When they first called they said they had to verify it was me and needed my birthday and ssn when I asked what this was about they said they couldnt tell me unless I verified myself. I told them I dont give out that information without knowing what it is about. They said well maybe we have money to give to you. I hung up on them. Then they had me served with papers to go to court. I had 21 days to get a hold of them which I had and was trying to reach a agreement. But they went to the judge and told him that I ignored them and the judge was going to garnish my wages. I wrote to the judge to tell him how they were handling things and he gave me a day in court. We reached a settlement of {$65.00} a month till paid. That was a few months ago now I get a phone call and they said I told them I would pay in full at 6 months. I told them that I did not say any such thing. When we reached the settlement I was told that the account was closed and that I would pay until paid in full. I was under the impression that the account would not be collecting any more interest either because I closed a few other accounts and they stopped charging interest. These people are still charging me interest and I am never going to be able to pay it all back because every month it is going higher. The bill now is higher than when we closed the account! I tried calling them and they said that they didnt have the authorization to do anything about it. I asked if they could talk to the people that do and they said no and that was that. I told them that I might have to file bankruptcy if I cant get it paid off and they said oh well. They are rude and deceptive.
Product: Payday loan

I unable to repay Ace cash express and the loan was charged off from four or five years ago. Now a person claiming to be from a lawyers office demandind that I give them my bank information or they will file hot check charges on me tonight. He called back and asked how will like being shoved in a police car handcuffed. he said his name was XXXX XXXX and the phone is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I had a builders construction account set-up for myself and XXXX. We deposited {$170000.00} into it, and XXXX deposited another {$170000.00} into it in as loaned funds in our behalf. Frost Bank set-up the account as a construction debts account in our behalf with the builder. The builder began to misappropriate funds and mismanage the account. The Bank fired the builder, and now we want to know if the account was insured by the bank for theft and fraud, and if so, buy whom or what federal agency.
Product: Credit reporting or other personal consumer reports

The FCRA section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to look into this matter and provide me with all the information you have about how it happened. This is a serious matter that needs to be addressed because there could be data integrity issues if these standards are not followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$110.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$760.00XXXX XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Lazega & Johanson LLC is a company I don't know. I got a Police Report ( prev # XXXX Theft by Trespassing ) # XXXX ( Theft by Taking ) and FTC report # XXXX ( Identity Theft ) where I discovered the alleged debt accounts, judgment and lien on XXXX County without my notification nor any acknowledge. And they even attempted to take out money from my personal bank account on middle of no time, especially holiday times. 

I have sent this company my Police Report and request the verification of the alleged debt is mine on XX/XX/2019. Of course, they ignored my request by today. I have never done any business with this company, I don't owe any money to this company, I have never gotten any products, agreement, or anything with this company nor given permission to access my bank account to be pulled out money with this company. They made forgery document in court and surprisingly got a default judgment ( I could not response because I did not get public serve or any knowledge until they sent me a default judgment ). Illegal judgment made access my personal bank account and stole money as exactly as a rubber. ( once a fraud, forever a fraud. XXXX XXXX ) This debt collector named Lazega & Johanson LLC include XXXX XXXX XXXX and XXXX XXXX XXXX are unscrupulous and the law firm engages in trickery and extremely cunning, crafty fraud to bring serious white criminal. I saw 49 complaint against Lazega & Johanson LLC even this site on todays date. I am very doubtful whether they are in right response which is seriously take over the complaint and solved the issues. 
1. I want CFPB review their illegal forgery all documents and let Lazega & Johanson LLC stop criminal activities and return my money back immediately. 
2. Lazega & Johanson LLC made {$4400.00} forgery judgment against me and attempted take out from my bank {$5300.00} plus {$5200.00} plus {$4400.00} without taking a breath. 
3. Request Cancellation of Judgement and Lien against me instantly 4. Otherwise I will claim against them monetary damage and misusage of my name 5. And Public notification 6. Bring all unscrupulous individual to Federal court Criminal Trespassing definition is not only included real estate property, but also constituent property included monetary property. 
Crime Classifications, Sentences, and Penalties ( Georgia Code 16-7-21, et seq. ) Criminal Damage to Property, 1st Degree :  Felony ; 1 to 10 yrs. in prison, plus fine. 
Criminal Damage to Property, 2nd Degree : Felony ; 1 to 5 yrs. in prison, plus fine. 
Criminal Trespass : Misdemeanor ; up to 1 yr. in jail, plus fine.

Attached 1. Police Report 2. FTC Report 3. Criminal Trespassing Law in GA Definition, Sentences and Penalties 4. XXXX XXXX XXXX Lazega & Johanson LLC Corporation XXXX
Product: Debt collection

I received a payday loan from the Cash Store approximately XX/XX/XXXX. I made approximately 4 or 5 payments on time and could not keep up. I contacted the store about possible options. They told me I would have to contact the corporate office. I spoke with a representative in collections approximately 3-4 months later about making a payment. The representative said if I paid the amount listed the company would take a loss because they were not making any money off the loan. I apologized and told him I was trying to get the debt settled. He accepted payment on the phone and I never heard anything else about it until last week. I now have a collection for {$150.00} from XXXX XXXX XXXX. I have been looking through my personal statements in attempt to find the exact amounts and dates paid. I can only recall that the loan was over {$1200.00}. Cash Store said the loan was {$1200.00} and it was opened on XX/XX/XXXX. They can not give me any payment information. They can not tell me how much I paid or when. They told me the account was sold to XXXX XXXX XXXX. I have since spoken to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. No one can provide any documentation proving I obtained the debt and still owe {$150.00}. I made a single payment to resolve this debt. There is no way possible I still owe {$150.00}. The collection showed up on my credit report this month. I have not been able to resolve this issue and no one can provide any proof of prior payments. I spoke with XXXX XXXX on XX/XX/XXXX. He said the companies cant retain all of that information and told me I was wasting my time to investigate and it would be easier to just pay it. He could provide any proof that the money is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information. 

Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$10000.00} Closed Overview You have 100 % left to pay on this collection. 
Balance {$10000.00} Highest Balance {$10000.00} Opened Account status Type Responsibility XXXX. XXXX, XXXX ( XXXX yr ) Closed Derogatory Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX  Closed No Into
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported an open and up to date account on a capital one card.I asked for this card and he said it was showing closed a few years ago on his end.There are also recent inquiries on the account.Anything automotive related is me and a chase bank for a checking account today was summited today.It kicked back a we are sorry, and reported to XXXX.Which is what lead me to check XXXX XXXX today.I received emails and things in the mail saying I was part of 1 or 3 breaches that recently happen.Im not sure what to do.
Product: Mortgage

XXXX 2014 I applied to Bank of America to refinance all XXXX properties at the end of modification. My home payment increased significantly and it will increase several more times I have XXXX more years on my home loan. XXXX of 2014 I was told they will not refinance the loans without a reason. I would like to know why I was turned down
Product: Student loan

I have student loans with Navient. Instead of trying to get my loans to a payable monthly payment. They put me in forbearance every time I called and the interest keeps accruing making the payments even higher. They are not interested in helping the borrowers at all.
Product: Credit reporting or other personal consumer reports

Experian continues to illegally report information on my credit report that is not true per 15 USC 1681c2. I have submitted affidavits, filed Identity Theft Reports, and sent Experian ALL of this information through certified mail received on XX/XX/XXXX, via the CFPB twice, and now once again through another complaint with the CFPB. I have also now submitted a complaint through my States Attorney Generals office against Experian as well for violating the law. Today, XX/XX/XXXX, I received a notification from Experian that my dispute was received regarding my recent complaint to the CFPB. I then received another notification, within the same hour stating that it was resolved for report # XXXX and that it remained. Then I received yet another letter from Experian in the next hour stating that it had been blocked and removed, yet when I check it is still there and on my report almost 10 days now after Experian received the original complaint. The account in question should have been removed, which Experian sent 2 letters now stating that they did, but it has not. Please see all proof of all documentation, dates, and communication attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, My name is XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit XXXX. Please delete the items as soon as possible.
Product: Debt collection

I have a debt in collections with Capital Credit. The original debt was filed under the XXXX XXXX XXXX. It is for an unpaid fulfillment of a prescription, which was ordered after my insurance plan expired. The original debt is for {$5300.00} ; but Capital Credit is trying to charge me {$6100.00}. I assume the difference in price is because of interest/fees, but as I understand it, the creditor has no right to charge me interest or fees unless there was a contract with the original business to which I owe the debt, which permits the charging of interest or fees. In this case, there wasn't. The prescription was ordered after my insurance policy had lapsed, and therefore if there were any language in the policy that permitted the accrual of interest or fees, it does not apply.