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. '' 12 CFR Part 1022, sometimes known as Regulation V, mandates that furnishers : 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 errors 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. 

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 Late Payment {$0.00} XXXX  XXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Collection {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Collection {$180.00} XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection {$660.00} XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX XXXXXXXX Collection {$950.00} XXXX ( XXXX Creditor : XXXX XXXX  ) XXXX XXXX  {$950.00} XXXX XXXX XXXX  {$710.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Collection {$710.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Collection {$230.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$970.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$1000.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX  XXXX Charge-off {$6300.00}
Product: Credit card or prepaid card

I opened a Carnival XXXX XXXX XXXX about 5-7 years ago, I paid off a $ XXXX balance about a year ago. I tried using my accumulated fun points, but on XX/XX/2021 I was told by " XXXX  '' the account representative that since the bank had closed my account, I had forfeited my fun points. 
I told " XXXX '' that such terms were not included in my original agreement, and she said " they don't have to, your account is closed. ''
Product: Credit reporting or other personal consumer reports

I have a collection that is not mine and duplicate credit card account reporting i sent XXXX letters showing that it is an error yet still came back as verified which is definitely false information
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service, I quickly opened an account with XXXX XXXX to review my credit report. I found student loan and other fraudulent accounts I have never opened or gave any one consents to open. Please delete these items from my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint made by me XXXX XXXX not by anyone else. I used the guidelines set by the ftc. So i sent in a file to the credit reporting agencies and they completely disregarded my disputes and did nothing or even respond
Product: Checking or savings account

My account was closed on Friday XX/XX/2025. I was not able to access my funds. I just called the customer service representative at Bank of America and I was informed my account was in the process of being closed and I would not receive a check until XX/XX/XXXX ( estimation date ). Thats over a month away. I need my money. How can a bank not allow me to get my funds? I submitted a complaint on Friday but Im submitting another one because of what I was just informed on the phone.
Product: Credit reporting or other personal consumer reports

The following companies have been issued a Cease and Desist because I do not owe them anything and what they are trying to collect on I do not owe.
Product: Checking or savings account

I attempted to transfer my funds out of my cheesing and savings account. Chase was able to transfer the checking account but we're unable to transfer my savings account funds after multiple attempts and many phone calls. They forced me to pay to access my own money through a cashiers check disbursement and did not give me an option for a free way to access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX in XX/XX/XXXX and XX/XX/XXXX 2018 about removing the 30 day late. After a conversation with the woman she agreed to remove the 30 day late. I noticed in XX/XX/XXXX this still was not removed and reached out to XXXX. they said they had assured me it was removed and to wait for the credit buruea department to update. Following up in XX/XX/XXXX I wrote a letter to have the said item removed. I just received a response stating that the item is accurate despite numerous conversations with them stating they had it removed from the credit bureau. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, i sent a dispute letter and update report for my information correcting the inaccurate items and information that they are reporting negative on my report.I haven't receive any documentation regarding the accounts that i requested.i have attached a copy of the letters below
Product: Credit reporting, credit repair services, or other personal consumer reports

To my surprise, I found that I have been charged {$20.00} per month since XX/XX/2018 for an Experian account that I was entirely unaware of. I was shocked to learn about this situation as I have never knowingly signed up for any Experian services. 

For my credit monitoring needs, I have been using MyFico for quite some time, which has provided me with reliable and comprehensive credit monitoring services. I have consistently relied on MyFico to keep track of my credit score and related activities, and I have never sought nor used any services from Experian or any other credit monitoring provider. 

It appears that I have been mistakenly enrolled in an Experian account without my knowledge or consent, leading to these unauthorized charges on my credit card statement. This situation has understandably caused me great concern and frustration, especially considering the length of time these charges have been occurring without my awareness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Product: Money transfer, virtual currency, or money service

XXXX XXXX JP Morgan Chase & Co Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, I went in Chase Bank for a wire transfer of {$25000.00} from my Chase account to my XXXX account. I have wired money to my XXXX account since XXXX. My wire this day was approved at the bank. Yet Chase Privacy Operations uses fraud protection to put me under the scrutinized call. In this call, I passed the security review, yet I was given a reason that my fund was insufficient. My wire was hence cancelled. The same amount of money was wire on XXXX XXXX by me again at Chase Bank. According to Chase Bank, review for wire transfer takes from 2-4 hours. Yet I did not receive any review call from Chase Bank on XX/XX/XXXX. This wire was sent on XXXXXXXX XXXX ET. The bank closes at XXXX. Even under the rules at Chase Bank, I should have received the wire security review on Friday, XX/XX/XXXX. Yet I did not receive a wire transfer security review call from Chase Privacy Operations on XX/XX/XXXX. 
This wire was cancelled on Monday, XXXX XXXX. 

Because of the troubles caused by Chase Privacy Operations, I decided to split this transfer into three transfers. On XX/XX/XXXX, I made a wire transfer on my Chase mobile app in the amount of {$10000.00}. I got the review call at XXXX XXXX XXXX XXXX. I was at work and I needed to treat a patient. I asked a number to call back for this review. Yet, I got an email XXXX minutes later at XXXX XXXX XXXX XXXX to tell me that my wire transfer was cancelled. I called back to the number I was given. The bank specialist ignored my concern and said there was nothing she could do to help me because the wire transfer was canceled. Under such conditions, I indicated that I might have to file a complaint. She then said that I could speak to her supervisor. So I was with her supervisor for totally 30 minutes+, asking me many investment questions. One question was do you threaten to file a complaint? I said I didnt threaten to file a complain but as a consumer, I have my consumer right. This call from the beginning to the end totally lasted over 50 minutes, I needed to go back to my work, so I asked him to please speed up. He then said the wire transfer was cancelled. He couldnt help me. He never once cared that the wire transfer was cancelled without even a review.

It looks like JP Morgan Chase & Co uses Chase Privacy Operations to hinder me to do investments in my Coinbase account on my own. JP Morgan Chase & Co has its investment department. JP Morgan Chase & Co violates the consumer rights and is manipulating me to have my investment done by Chase Investment team.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a letter dated XX/XX/2018, XXXX XXXX indicated that a collection account they are reporting on my credit for {$510.00} would be removed. The letter stated that this debt " should show removed from your credit histories within 4 to 5 business days. '' As of the date of this complaint, a full 24 days has passed with no change to my credit report with any of the 3 credit bureaus. I have even submitted disputes with the credit agencies to no avail, as the disputes have been closed, affirming the information reported is correct. As per the FCRA, the debt is too old to be reporting on my credit to begin with. Responsibility for this inaccuracy lies not only with XXXX XXXX, but also with the 3 reporting agencies as it is their responsibility to ensure that the information they report is correct. Simply taking XXXX XXXX 's word is not ensuring accuracy. This is causing me a serious hardship as I am attempting to finance a vehicle and will remain unable to do so until this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX, XXXX, XXXX, Equifax mortgage, XXXX Bank, M XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX as inquiries on my report. In accordance with the Fair Credit Reporting Act, XXXX. XXXX XXXX, XXXX, XXXX, Equifax mortgage, XXXX Bank, M XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize and I do not recognize the following inquiries : 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

I have disputed this account with you before and you failed to remove the account without validating the correct balance and payment history. I reported that you are reporting the wrong balance. I will attach the settlement letter from this company showing the correct balance I owe. Even without the settlement letter, the XXXX bureaus are reporting different amounts. How does this meet FCRA guidelines when all data furnished should be the same? I am demanding that the following account is removed from my credit report due to inaccurate reporting and due to the account being settled. Being that I have proof of incorrect reporting and my attempts at getting this account deleted, I will be seeking compensation due to many FCRA violations if this account is not removed from my credit report within 15 days : XXXX XXXX XXXX XXXX
Product: Student loan

I called Navient about re-certifying my student loan, but I was redirected to a company that offered to consolidate my loans for a fee. They wanted pictures of my I.D . and credit cards. Their website is nothing but a XXXX blog. 
XXXX XXXX XXXX I did n't pay them anything, but I am appalled that Navient would let me be automatically redirected to such an obvious scam.
Product: Student loan

I am XXXX XXXX, I am submitting this complaint myself. There is no third party involved. On XX/XX/2017 I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged.

Due to 15 U.S. Code 1692e ( 2 ) ( A ), Pursuant to 15 U.S. Code 1692e ( 10 ), and Pursuant to 15 U.S. Code 1692a ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Product: Checking or savings account

I am requetsimng a appeal refreinmg XXXX This letter is to advise that 9 charges were applied to my account that were unauthorized purchasesmade with a total approximate amount of XXXX The charges were conducted at XXXX, XXXX XXXX, and XXXX XXXX, and XXXX. Charges at XXXX, XXXX XXXX, and XXXX XXXX were conducted at different dates, times, and locations. However the purchases were in store purchases. The charges that occurred from XXXX, were conducted on-line. From the purchases made, I have not received any items often. Based on the fact these purchases were unauthorized, I am requesting my funds back to my account. I will be following up, with locations and Department Officers of XXXX XXXX to report incidents and file criminal charges, if directed. For I feel I know the individual who made such. She not given access to my card, not authorizedthe make purchases. 
As time went on, I found out who took my card and made the purchases. I made reported to investigator .The officer could not pursue being she lived across stat lines. I then confronted her, she admitted to taking and making the charges. she wrote a letter to CHIMES confessing these actions. Still nothing was done by CHMEs. I was denied my funds again by CHIMES
Product: Money transfer, virtual currency, or money service

I sent XXXX dollars to XXXX on XX/XX/2023 but the money was never delivered nor refunded
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} XXXX & XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  Date of Inquiry : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX  {$64.00} XX/XX/2023 XXXX XXXX  {$190.00} XX/XX/2023 XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 U.S. Code 1681e - Compliance procedures ( 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. otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 15 U.S. Code 1692g - Validation of debts I DO NOT RECOGNIZE HOW THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT, I DON'T RECOGNIZE THE ACCOUNT NUMBER, I DON'T RECOGNIZE THE ACCOUNT STATUS, I DON'T RECOGNIZE THE ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENT ASSOCIATED WITH IT EVERYTHING REPORTED HERE DOES NOT MEET THE FCRA. ALSO ITS CANCELLED DEBIT THE COMPANY HAS FILED IT ON THEIR TAXES BUT THEY ARE ALSO REPORTING IT ON MY CREDIT REPORT AS DEBIT THE IRS MENTION THAT ITS CONSIDER AS ORDINARY INCOME A 1099C THAT MEAN ITS AN INACCURATE ACCOUNT THAT IS FURNISHED ON MY CREDIT REPORT AND I HAVE PROOF TO WHY IT SHOULD BE GONE ITS ( CANCELLED DEBIT ) THE IRS ALSO MENTION COMPANY WAS SUPPOSED TO SEND A 1099C FORM SO I CAN FILE THE ORDINARY INCOME THAT IS A VIOLATION 15 USC 1681eb it speaks on maximum accuracy of the consumer report ( 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.

these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
Product: Debt collection

i needs help on this i trying file bank fraud twice last year ago XXXX XXXX  refused to refund XXXX $ the debt not my fault is bank fault the bank they don't follow this A personal account holder has up to 60 days to report ACH fraud to their bank, while businesses have just XXXX hours. That's because businesses aren't protected under XXXX XXXX XXXX, ACH fraud protection i needs refund check at XXXX $
Product: Credit reporting or other personal consumer reports

I logged on to make my XXXX payments and the website stated " XXXX to your account has been temporarily suspended. Please call XXXX XXXX at XXXX. I called the company several times and even escalated up to a XXXX. I called XXXX times on XX/XX/XXXX, XXXX times on XX/XX/XXXX, and XXXX times on XX/XX/XXXX. They stated that my accounts were being charged off because I filed bankruptcy. I let them know I had not filed bankruptcy and that someone must have mixed my account up with someone else. I paid my XXXX payments on time and was logging in to make my XXXX payments. I asked for them to investigate the issue and send me proof where I filed bankruptcy and to check the name and social security number on whatever paperwork they received. XXXX XXXXXXXX XXXX closed my cards, blocked me from making payments, told me they can not take my payments, and then reported my account XXXX days late even though I just paid in XXXX and XXXX payments were just due so even if they hadn't closed my accounts and blocked payments, I still wouldn't be XXXX  days late. I was in the process of a home equity loan and have now not been able to close the loan because the late payments reported dropped by credit score. I have called XXXX XXXX several times and no one will take the time to investigate or send me written proof. This is sad and scary that a mistake by someone can harm a person 's credit and affect your life in such a negative way and the company refuse to assist in correcting it. XXXX XXXX needs to do better. I talked to over XXXX people and none of them were helpful even the supervisors and managers.
Product: Credit reporting or other personal consumer reports

I have disputed my public record 'bankruptcy ' with XXXX XXXX and XXXX and Transunion , XXXX XXXX  and XXXX have removed the bankruptcy because it was unverifiable and i have a letter from the bankruptcy court stateing that they DO NOT REPORT TO THE CREDIT BUREAUS nor do they report to them.
Product: Money transfer, virtual currency, or money service

I sent money {$1000.00} through Zelle and it was an accident, and it was never returned