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

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct
reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX Collection {$430.00} XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$430.00} XXXX XXXX XXXX | XX/XX/2022
Product: Credit card or prepaid card

on XX/XX/2019 my bill did not go thru company saw the payment tryin go out but never got notify so I can not get a mortgage because of that and the company wouldn't help me get these fix.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Gemini Trust restricted all customer access to their accounts and any transfer of their assets out of Gemini. Since XXXX had recently gone bankrupt I contacted my bank and stopped a pending ach deposit of {$700.00} from depositing into Gemini. 
I had enough in my Gemini account for Gemini to reverse any credit they extended so they would be out no funds ( kept {$700.00} in dollars for them ) but I was worried they were going under and didn't want to lose more. 
A Gemini rep contacted me in the morning on XX/XX/XXXX via emailing stating they restricted my account. I explained what happened and encouraged them to reverse the credit, which they did at XXXX on XX/XX/XXXX ... ... .but it's now XX/XX/XXXX and Gemini continues to restrict my access to my own funds.
Product: Credit card

I pay was paying on time payments when PayPal said I was unable to use them ever again for no reason given and closed it down I can't even log in on their site to see anything so I have no idea what they are doing to me but I have no way of getting into said account that I don't owe this much
Product: Payday loan, title loan, or personal loan

the fees for the loans from personify and mobile loans are to costly for my fixed disibilty income
Product: Credit reporting or other personal consumer reports

Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on XXXX XXXX XXXX XXXX Account Receivables Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.
Product: Credit reporting or other personal consumer reports

I sent Letter to LexisNexis on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally on XX/XX/XXXX. I also sent letters to XXXX, XXXX, and XXXX. I asked these four agencies how they were verifying a bankruptcy that is showing up on my credit report. I asked for them to also send proof of the verification. On the first letter they responded that they verify through XXXX. I then acquired a letter from the court and XXXX where they state that they do not verify information with credit reporting agencies. i sent these letters off and again asked for proof of verification. XXXX, XXXX, and XXXX just report that is was verified, but did not send how, and LexisNexis has never responded since my last letter in XXXX. I have attached the letter I have sent to LexisNexis and the credit bureaus below : XXXX XXXX [ XXXX XXXX ] XXXX XXXX ( 0 minutes ago ) to XXXX Report Reference Number : XXXX ATTN : FACT Act Dispute Request I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently challenged this account with the credit bureaus, who said they verified it with Lexis Nexis. When I previously disputed with LexisNexis I was told you verified this alleged bankruptcy with XXXX. I have attached an email from them and the courthouse stating they do not verify or have communication with ANY credit reporting agencies. 

I DEMAND that this unverified, per the Fair Credit Reporting Act, must be deleted from my file immediately especially since you lied about verifying this account through XXXX. You violate my consumer rights by continuing to report such information, and legal action will be taken. 

Once the above information is deleted from my file, please notify me by mail or email. 

I have attached my driver 's license to verify my identity. To avoid confusion, my information is as follows : Full Name : XXXX XXXX Last 4 of SSN : XXXX XXXX XXXX LETTER : I am writing to dispute information regarding a bankruptcy on my credit report. On XXXX XXXX, I previously disputed XXXX  XXXX bankruptcy XXXX with you, and in response, you verified the item as accurate, stating that you had verified the information with the court. 

However, I recently contacted the court and XXXX  and received the responses that are enclosed with this letter. As you can see, the court and XXXX  do not report to you, or any credit bureau, which means that your original response verifying the item with the court was either an error or a lie. 
The reporting of this record does not comply with FCRA 611 ( 15 U.S.C. 1681I ). Therefore, you must immediately delete this unverified record from my credit report. 

Your non-compliance with my request will also be construed as an absolute disregard of my consumer rights and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

I am sending this letter on my behalf, and I've included a copy of my ID to verify my identity. 

Best Regards, XXXX XXXX
Product: Debt collection

they are calling my employer to get of hold me and when i call them they are telling me that i have a case in XXXX XXXX they refuse to give me the exact name of their company, address, so i can write a cease and decease letter to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account, XXXX XXXX XXXX  ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Pursuant to 18 U.S.C, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. These companies have NO permission to report ANYTHING using my information pursuant to 15 US C 1681 4
Product: Vehicle loan or lease

In XXXX of XXXX we notified XXXX that the vehicle was having mechanical issues and we were not able to get it registered or fixed. Our account was severely delinquent for the past year, we would make a payment only when an email was sent advising the date of repossession. We recently were forced XXXX XXXX the vehicle and it experienced engine trouble resulting it not being able to be moved. This was on XX/XX/XXXX. It was stuck at a gas pump, I had a certified XXXX mechanic come out to inspect the vehicle. He told me that his shop could not fix it, and only the dealership could fix the vehicle. He helped me push the car to a parking spot. I then notified you of the issue with the vehicle. I spoke to your executive office and was assured a repossession company would contact me to arrange pick up. During the initial call, the representative gave me false information related to my credit reporting during her attempt to make me keep and pay for the vehicle. I was voluntarily surrendering the vehicle to avoid further fees and negative credit reporting but you told me that i had to have possession of the car even though I am calling you to tell you to come get it. We agreed that the repossession company would contact me to arrange pick up and I would meet them to give them the key to have it considered a voluntary repo. I called earlier this week and was told that I had a payment arrangement scheduled and it would not be picked up. I had to explain the situation again and remind them that the vehicle was not running and my arrangement was deleted. I was told it would be picked up. I called again today, XX/XX/XXXX and was told that you sometimes wait until the involuntary repossession date to secure a vehicle. I do not agree with this as we made an agreement to have it voluntarily surrendered. Your company calls non stop multiple times a day and the representatives are very rude. My credit is absolutely destroyed and i've been paying for a car that i couldn't ' even drive. 
Please quit trying to charge me more money and prolong this ordeal. The situation is that we purchased a car at your dealership XXXX, financed with your company BridgeCrest and our extended warranty is with XXXX, also your company. The warranty we bought from you on the vehicle from you can not even fix the car we purchased. Dealerships are not in the network and that is the only place that can fix the car.
Product: Mortgage

The company the complaint is about is Village Capital and investment of XXXX NV. They informed me the XXXX  week in XXXX they did not receive my XX/XX/XXXX Mortgage payment. It was lost in the mail, they wanted a payment of {$1900.00} as of XX/XX/XXXX, said they were going to inform the credit union 's of my default and start foreclosure procedures. I feel they are trying to force me to commit to signing up for auto pay direct as my payment coupons are rarely received before the first of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response to previous disputes XX/XX/XXXX # XXXX dated XX/XX/XXXX. Under the FCRA this response is over 30 days and untimely. LexisNexis responded to this complaint timely but not respond to my initial dispute letter sent to them XX/XX/XXXX. Also in the attached letter they stated they verified a bankruptcy through PACER  which is a public record with public access. This information was not received from the furnisher which is the Pennsylvania Federal Bankruptcy Court-XXXX. Bankruptcy Court sent me a letter stating they do not give out personal information. Under the FCRA Section 623 ( a ) ( 1 ) ( A any information reported must come from the furnisher and must be complete, accurate information. LexisNexis has stated that the public record from Pacer matches my name and address and social security number. Then Lexis Nexis goes on to say the last 4 digits of my social security. The last 4 digits is not the same as my full social security number. How can you identify me from the last 4 digits of social security number and there are millions of people in the world with the same last 4 digits? This is not complete information. Provide my full social security number, my full name and address from the furnisher of this information which is Bankruptcy Court. Public records/Pacer is not an accurate source of information it's public record and has many errors.
Product: Student loan

Hello, My loans are showing as having late payments. I found out when the mortgage company sent me my credit report. One loan has 5 late payments and all the others have one late payment reported. My loans were in a grace period or Administrative forbearance during the time the late payments are reported. I have attached the dates to this and also the information AidVantage sent me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Card Services conducted an unauthorized credit check when my wife added me to an existing account. I received my credit card today and discovered that my social security number and phone number is not associated with this account but there was a hit to my credit score on the day that I was added to the account. Under this scenario my credit score was reduced due to this unauthorized inquiry but I have no way to redeem my credit score since XXXX will not be reporting the on-time payments that I make on behalf of my wife ( primary card holder ). I am responsible for paying the family bills.
Product: Checking or savings account

I am writing to you due to an unfortunate and highly detrimental decision that Bank of America ( " BOFA '' ) has made with respect to a business account in the name of my company,, a company duly registered and active in the State of Florida On XX/XX/2021, BOFA suspended access to account at BOFA This has caused immeasurable damage to my company as it has been unable to make the necessary payments to its suppliers. 

In fact, suppliers have canceled orders for non-payment. This, in turn, means that my company is unable to provide its customers with the merchandise they have requested. The only information BOFA has provided me is that they are investigating a deposit of {$2500.00}. 

Subsequently, on XX/XX/2021, I was notified that account is effectively CLOSED and that the account balance ( {$88000.00} ) will NOT be returned to me if the following occurs : * We determine that the funds are not owed to you. 
* We receive a court order or a XXXX order that requires us to turn over the funds to a third party. 
* A third party indemnifies us for returning the funds to such third party. 
* Ownership of funds is disputed. 

On XX/XX/XXXX, BOA sent a check to the address registered in the account for an amount of {$4700.00} accompanied by a letter indicating that this is the remaining balance in my account when in reality there was {$88000.00}. 

I hereby request to know where is the rest of the money is located and the subject and status of the investigation, and when the investigation is expected to be concluded. I have offered BOFA, on numerous occasions, to meet and provide all the support BOFA may need through phone calls, emails and I went countless times to the branch to finish their investigation, but my offers have not been accepted. BOFA 's actions are damaging not only my personal financial and banking reputations, but also our reputation with our suppliers due to non-payment. We are also severely affected by the income that we stopped receiving due to the freezing of the bank account and our inability to sustain our business in the short, medium and long term. 
I believe that a reasonable amount of time has elapsed for Bank of America to verify the transactions on the account and to refund all monies in the account at the time of closing.
Product: Credit card

On XX/XX/XXXX I discovered a credit card that was not opened by me on my credit reports. The credit card was an XXXX XXXX card through Bank of America. I never applied for a credit card through bank of America. The card was maxed out immediately with a debt for XXXX XXXX This debt was dismissed by Bank of America in XX/XX/XXXX for non-collection. I never received anything about this debt from Bank of America. There was an Ohio address on my credit report that was not mine. I have never lived in Ohio. I contacted XXXX and filed a dispute. The results of the dispute were that the debt would remain on my credit report. I called Bank of America and spoke with their fraud department and started a dispute. I am working with Bank of America to settle the dispute. I will receive info. in the mail to complete and return for Bank of America. In addition, I filed disputes with XXXX on XXXX XXXX and XXXX on XX/XX/XXXX. I put freezes and a credit report locks on my accounts with three credit report companies.
Product: Credit reporting or other personal consumer reports

I am writing regarding unauthorized bankruptcy entries that have appeared on my consumer report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 4 ), I assert that these entries violate my consumer right to privacy, as my personal information was released without proper authorization.

I have confirmed that I am a victim of identity theft, and these bankruptcy entries are fraudulent. Under federal law, you are required to : 1. Remove unauthorized entries 2. Protect consumer privacy XXXX. Maintain accurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account accounts listed bellow have violated my rights ; XXXX XXXX XXXXXXXX Account ID : XXXX Account Number XXXX XXXXXXXX XXXX XXXXXXXX Account ID : XXXXXXXX XXXX Account ID : XXXX Account Number XXXX Collection agency XXXX XXXXXXXX Account ID : XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I reached out to the XXXX XXXX XXXX XXXX to see if they supply information to a 3rd parties like credit bureaus after sending in my dispute letters to the 3 credit bureaus it keeps coming back verified.
Product: Credit card

I requested an automatic draft to pay on my account of {$45.00}. Instead the company took {$520.00} which overdrafted my checking account. The tried for XXXX  days in a row unbeknownst to me. I saw it on Friday XXXX and called them immediately. the customer service rep admitted after checking I had only authorized XXXX to be taken. After a long hold time I was told that they would refund my money. I have called twice today ( XXXX ) as the account still shows no change. I was asked to wait a few hours longer. Meanwhile I have incurred {$140.00} in overdraft fees and am about to incur another {$70.00}. It is ridiculous that there is no change even though they admit they are wrong
Product: Money transfer, virtual currency, or money service

My husband passed XXXX. In XX/XX/XXXX we began th process to close his coinbase account. I was told to creat an account of my own and write them a letter with account holder info and who to transfer to. I was asked to validate a photo which was done including death certificate, probate document confirming me as XXXX  and his will. Since XXXX anytime you try to contact them you can not get a live agent. I have sent in all requested info numerous times. When you do they change the claim number. Ive spent countless hours in que with no updates. On XX/XX/XXXX I was told this would be resolved within 2-5 days and NO updates. I need help getting the account moved to mine.
Product: Mortgage

It began when they took over our loan. They don't answer questions. They never sent the proper documentation to explain they had purchased the load. Late payments were made because they double billed us with two different loan companies. During the pandemic they charged us late fees for being late even though the post office was delayed because of the pandemic. This is the same company that kept our repair money instead of paying it to us. XXXX and Loancare both send us a statement for the one house. 

The numbers on each statement aren't the same and one says we are two months late and the other one says we are current. On XX/XX/2021 XXXX shows {$2300.00} total amount due. On XX/XX/2021 Loancare shows {$1400.00} due. They also say we have an escrow shortage of {$1800.00}. Very difficult to know what is really going on here.
Product: Credit reporting or other personal consumer reports

Experian has not been fairly investigating errors in my credit report specifically to my mortgage and auto loans since XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Product: Debt collection

Capital one and other credit companies ran my credit without my permission and when I reached out to the company they stated it will fall off in a few years. Also I have different credit score also I havent lived in XXXX Tennessee please help me solve the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my follow-up request to tell you that I'm a victim of identity theft. Again, I was going through my records & noticed many information or items which do not belong to me. Please block or remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX XXXX that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX XXXX  part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my Experian and XXXX  reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX  and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.