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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
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 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against credit bureaus for failing to provide method of validation, after multiple attempts and against the credit bureaus for not providing the method of verification for a disputed item on my credit report. Below is a detailed description of the incident : Description of What Happened : On XX/XX/XXXX, I first disputed an item on my credit report associated with XXXX XXXX XXXX ( Account Number : XXXX ). Despite my dispute, the credit bureaus have not been able to provide the method of verification for this item, which raises concerns about how they verified the debt. I submitted a second request on XX/XX/XXXX and a third request on XX/XX/XXXX, yet the issue remains unresolved. 

I have made several attempts to obtain validation of this debt directly from XXXX XXXX XXXX. However, despite my repeated requests, I have not received any response or validation of the debt. This lack of response is not only frustrating but also a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Consumer Loan

They are trying to damage my credit with a loan i did not take out.
Product: Debt collection

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. Called back at XXXX and was met with an automated service. Hung up and wrote letter to Optimum Outcomes requesting written verification of the supposed debt. 

XX/XX/XXXX - Mailed letter to Optimum Outcomes. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

XX/XX/XXXX - Missed call from XXXX at XXXX. Left automated voicemail identifying themselves as Optimum Outcomes calling in regards to a debt that I owed. 

I have never received anything in writing from Optimum Outcomes, including any itemized bills. I also asked for written verification almost three weeks ago and have not received a response from them.
Product: Credit reporting or other personal consumer reports

RE : Warning to Remove Incorrect Items from my Credit Report Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law.

I contacted the court, and their response is enclosed. 

It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting or other personal consumer reports

I bought a car from a dealership and 3 months later the car engine had a recall on the engine. I tried to my car in the shop but everyone that I called had an 8-to-14-month waiting period I scheduled an appointment, and I paid for my car as long as I could afford it without the car even being able to drive. Almost 2 years passed by, and no one ever reached out the me about getting my car in the shop and fixing my engine, so my car was towed while I was waiting. Now I can't get a car or anything because a repossession from credit acceptance is on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XXXX XXXXand I have not received any response up to this date. Besides, the inaccuracies about my inquiries are still on my reports. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continuously reported as unverified information on my Credit Report. Here are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/2020 XXXXDate of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Date of Inquiry XXXX XXXXXXXX XXXX  XXXXXXXX XXXXDate of Inquiry XXXX XXXX, XXXX
Product: Debt collection

Jefferson Capital One, keeps sending me a XXXX XXXX a {$590.00} collection that is not mine it belongs to a former employer XXXX XXXX. I disputed it, and they keep sending me his bill!! 
Please contact XXXX XXXX ( XXXX ) XXXX
Product: Prepaid card

Received unemployment benefits back in XX/XX/2023 to my payactiv card in the amount of XXXX my card was stolen!! I never received my benefits back and they closed my account after several " supposed investigations '' where they said they'd get my money back,!! Said they mail me a check for XXXX and never did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has ignored numerous attempts to file an accurate credit report. Changes were made, but made my credit look worse than what it was changing back-and-forth. Now I recently found that a third-party XXXX had gotten my information from XXXX, which is in a data breach. XXXX had no reason to give my information out to this company. I have already proven and tried numerous times to ask why XXXX XXXX XXXX gave my information to this company. I honestly feel if I would have never attempted to fix this wrong amount incorrect dates through XXXX XXXX. My credit information would not have been breached.
Product: Checking or savings account

Saving Account ending XXXX {$46000.00} and checking account ending in XXXX of {$1900.00} XX/XX/23 Thursday night my husband made a call to CITIZENS BANK and asked why his paycheck was denied entering his account and he was told the account is under bank review and they do not know why or how many days this review will take place. my husband and I spent an hour and a half on the phone with no one being able to tell us why {$48000.00} was being withheld from us. I demanded this be escalated and resolved quickly as my husband and i pay our bills from this account and this is our main operating accounts. 
XX/XX/23 I started making phone calls to get an update about the {$48000.00} frozen account as early as XXXX AZ XXXX XXXX XXXX  EST time. I was told the account MIGHT be locked due to " lack of activity '' if the bank account went to {$0.00} and i told the banker my account has never gone to {$0.00}. the banker ( XXXX ) informed me he doesnt see anything that says the account is under " investigation and directed me to the fraud department to see if it was an issue with my physical card. The fraud department said it had nothing to do with the card itself but the account instead. Fraud then transfered me to customer service who said they cant give me anymore information other than the account is under bank review. they never told me why it was under review, what triggered it and they also told me they can not tell me how long the review will last. they suggested it would go on for weeks of even 6 months. I asked to speak to a supervisor and he did not provide anything new other than what i had been told. The bank is under review and they dont know why or for how long. i was on the phone with CITIZENS BANK for 2 hours XX/XX/23 No update on the freeze of our account and told the same thing as thrusday and friday. My husband and I never got a letter in the mail or a notice about a bank review. we were blind sided. we have credit card payments to make and rent is coming up in a couple weeks. It seems unethical for a bank to freeze your money and not tell you why they are withholding your money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I opened a auto loan with XXXX XXXX. In XXXX, XXXX I called XXXX telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called XXXX and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX  over this 30 day late payment. I received a call from a XXXX representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called XXXX and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. XXXX took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

XXXX response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX   XXXX {$5400.00}
Product: Credit reporting or other personal consumer reports

My lean holder on my mortgage ( Specialized Loan Servicing ) sold my note to XXXX. 
I had my mortgage on auto withdraw from my bank. Somehow it it stopped being auto payed so I called and made a payment asking when I could reenroll. They said wait. Another month went by and i made another payment and finally got it back on autopay. 
I was never late, they are the ones who dropped the ball with my autopayments. Now they are reporting to the credit agencies that I'm XXXX months late and I'm not. 
Please remove this from my credit report Thanks XXXX XXXX
Product: Credit reporting

On XX/XX/2017 I sent a letter to Transunion in regards to an unverified account with XXXX being reported on my credit report. In the letter I stated for the unverified account to be removed as it is negatively affecting me. I did not receive a response and Transunion continues to report this account. On XX/XX/2017, I submitted a complaint to XXXX for the same unverified account and they responded stating that they would send validation of this debt. It is now XX/XX/2017 and I have not received any documentation validating this debt. Again, I am requesting that this account be removed from my credit report as it is affecting me. I have attached proof of the response I received from XXXX as well as the letter I sent to Transunion requesting the unverified account to be removed.
Product: Checking or savings account

I opened 2 savings accounts with Citizens Access both in the amount of {$250000.00} on XX/XX/XXXX. Beginning on or about XX/XX/XXXX I began attempting to transfer {$150000.00} to an external account. Each attempt failed with a message stating that there was a problem with the transfer and to try back. After multiple failed attempts, I contacted Citizens Access by phone yesterday, XX/XX/XXXX. The representative I spoke with advised me that my account is locked due to an internal investigation and that someone would contact me within the next few days. He said he coulde n't give me any further information regarding the reason for the internal investigation. After further consideration, I decided that waiting to hear back was not an acceptable resolution. I called again today and spoke with XXXX in escalations. She confirmd that the account is locked due to an internal investigation. She would not tell me why, how long the investigation would proceed, or who I could speak to to get these answers. She did confirm that the internal investigation was inintiated on XX/XX/XXXX - the same day the account was opened. So, since deposting the funds, I have not had access and have been given no indication as to when I will be granted access. The case number she gave me for the internal investigation is XXXX. Upon reading other reviews, I'm seeing that other consumers are experiencing the same situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ... ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I filed a complaint on Khols because they were reporting an old card that was lost or stolen inaccurately. Khols was reporting late payments on my credit every month for three years. You all helped me and Khols corrected the error. Now out of nowhere, Khols just report a 30 day late payment on my credit for XX/XX/2017, XX/XX/2017 and XX/XX/2017. 
Here we go again with the same problem. I have had no interaction with Khols since they corrected the error on my credit file. Now they are at it again. DEFAMING MY CHARACTER  AND REPORTING ERRONEOUS INFORMATION ON MY CREDIT PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 



XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on the phone with XXXX. After providing them with the correct information and other important information about myself on unsecured phone lines XXXX  refuses to correct my report as it should have been to start with. This is a problem as anyone can use this to destroy my credit. They must be limited to your name SSN, DOB and current correct phone number and email address on file to  protect Citizens. XXXX must send a code to allow Citizens to see their Credit Report and Score in real time once we have this information. XXXX also refuses to provide me with my correct and current Credit Report and Credit Score. XXXX has put me on hold for more then 10 minutes and just returned to the line. XXXX still insist 's that I pay them a fee of {$7.00} to send me my current Personal Credit Report with the Score. Through contact with my Bank, XXXXXXXX XXXX and XXXX I discovered that XXXX  lowered my Credit Score 85 points from XXXX to XXXX and then again the next day another 3 points to XXXX. It is still going down and is incorrect. My Bankruptcy is older then 10 years and it is still being reported and used against me. There is no Mortgage information being reported even though I have two mortgages. A XXXX loan not reported to XXXX and VA  loan now being reported by XXXX XXXX. It appears that there is a law that Credit Reporting Agencies are allowed to lower Credit Scores by as much as 100 points during the time a Mortgage has been transferred to another lender. This adversely effects Citizens and causes serious financial harm to the Citizen. It must be stopped in the interest of Justice!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference : XXXX Creditor : Tri-State Adjustments, INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Tri-State Adjustments After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail and via the Consumer Financial Protection Bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Best Regards, XXXX XXXX