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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - 11/19 15 U.S.C, 1681section 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. 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> MobiLoans , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MobiLoans, I hope this letter finds you well. I am writing to request a goodwill adjustment for my XXXX ( Account Number : XXXX ), which has been paid off in full. 
Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused.

I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward. 
I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms. 
Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax say the information is corrct and was updated by the reorting intentity but failed to provider me with how this information was properly verified the collection is fron XXXX XXXX and associates
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Security Credit Services was reported and added a derogatory mark on my credit report per XXXX XXXX in the amount of {$2400.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, ( Security Credit Services ) has violated my rights as a consumer and I am requesting legal action to remove this account IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act 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 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2, they are supposed to 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

ACIMA DIGITAL FKA Simple have been furnishing my alleged transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACIMA DIGITAL FKA Simple is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/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: Student loan

I am writing this to report Sallie Mae for contacting family members that I dont even know and leaving voice mails with them about my private student Loan.

I have been out of work and struggling to pay rent and to pay my loans since corona I always paid on time and they have messed my payments up at times and admitted it over the phone and fixed it later messing up my credit.

In this instance they have called me non stop at ungodly hours and have also harassed my family members even ones I wasnt aware of their existence are reaching out to other family members sending me voicemails of Sallie Mae reaching out to them about my loans constantly this company needs to be stopped.

I have tried to call and work out lower payments but they wont budge on their payments to match up with what I can afford in any dollar amount this is a very bad company as they cant even work with people during the pandemic and you have to pay hundreds of dollars just to be in forebearance
Product: Debt collection

I recently submitted a report for my Lowe 's credit card that has been charged off. I have now received communication tactics from a debt collection company by the name XXXX XXXX. I called and offered them a settlement of {$1200.00} to clear this account, but they denied the offer and stated that they could potentially sue me if I could not settle this debt for no less than half of the {$6200.00} owed. I can not afford that, but I also can not afford to be sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 the FEDERAL TRADE COMMISSION or https : XXXX 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 that 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 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 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 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
Product: Checking or savings account

On XX/XX/XXXX I attempted to log into my Wells Fargo online account and was unable to. I received a message asking that I call customer service. I called and was connected to online Fraud department. I was told that my online banking had been deactivated due to online fraud. After verifying information with the rep, she set up a new username for me to use to log in. I was then transferred to another rep to change my password. The rep wasn't able to change my password on the phone, he advised I would have to go to the branch or ATM to verify my phone number. 

On XX/XX/XXXX I was able to stop at an ATM to verify my phone number. I was then able to reset my password and log into my online account. Upon logging to my account I saw that my checking account was overdrawn due to transactions that had been reversed. When I talked to the online Fraud rep on the XXXX, I explained to her that I was a victim of domestic abuse and as part of the financial abuse, my ex had called the bank to dispute bill payments and money transfers made while we lived together after he got arrested for domestic abuse and ordered not to return to my home. 

He disputed a mortgage payment made to XXXX XXXX  on XX/XX/XXXX for {$930.00}, a {$500.00} XXXX XXXX made on XX/XX/XXXX, a {$300.00} XXXX XXXX  made on XX/XX/XXXX and a {$980.00} XXXX XXXX made on XX/XX/XXXX. Wells Fargo Bank reversed the credits and debited my checking account for the total without doing any investigation or due diligence to determine if the amounts were authorized or fraudulent. 

I do have communication between my ex and I that would prove the above transactions were valid and authorized. Furthermore, his account address was the same address for the mortgage he disputed. Wells Fargo did not investigate his claim, nor did they contact me to get any information regarding the above transactions. 

As a result of this, my bank account has been withdrawn since XX/XX/XXXX and since all my bills are on auto pay, Wells Fargo has been charging me either a {$35.00} overdraft fee, or a {$35.00} NSF fee for each transaction that has been sent to them for payment. As of XX/XX/XXXX I have been hit with 15 {$35.00} fees totaling over {$520.00}! Furthermore, I have also been hit with fees from the companies whose payments were unsuccessful! 

Common sense calls for a good fraud investigator to use any initial information to find more evidence and information to support or refute a claim. It is safe to assume that when customers report a fraudulent transaction, a bank will investigate the charges before taking action. Isn't it common sense that part of the investigation would include contacting the alleged perpetrator to get their side of the story? I would think so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, withing my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Money transfer, virtual currency, or money service

XX/XX/19 I went to HSBC branch located at XXXX XXXX XXXX  XXXX. My cash withdrawal was refused even when I presented 1 ) Employer ID, 2 ) Passport Card ID, 3 ) NY Drivers License 4 ) HSBC Debit Card. I was told to call a number. I called the number and the rep couldn't provide a reason why the transaction was declined. 

XX/XX/19 - I've tried on several occasions to cancel a recurring bank to bank transfer that was setup. The portal says there is not future transactions scheduled but yet the transfers keep getting setup. There is a process to edit a recurring transfer but the capability to cancel is not available. The portal is broken. My only recourse at this time is to close the checking account to stop the transaction. 

XX/XX/19 - I went to HSBC branch located at XXXX XXXX XXXX  XXXX. Their system was doing a system update from XXXX - XXXX while I waited online. The rep could not give me an ETA as to the remaining time required for the system update and reboot. Why is a system update going on when HSBC needs to service customers? Why is this not happening during off hours? Why isn't there a procedure in place to service withdrawals when the branch system is down? I had my balance available through my mobile app. I had id. Why couldn't I complete my withdrawal and closure of the account at the time I was there and have HSBC address the update later when the system was up? Their process and procedures have numerous servicing gaps!
Product: Debt collection

On or about XXXX upon information and belief an account was opened in my name through XXXX XXXX, XXXX. this account was charged off and sold to a collection agency and then sold again to Portfolio Recovery in XXXX Virginia. I have disputed the account on a number of occasions with XXXX through XXXX XXXX. They response comes back the same that they debt is valid and has been verified. I have disputed this multiple times with the same above response until this last time I disputed the account and XXXX came back and advised that the account had been previously disputed and they refused to investigate the dispute again. I contacted Portfolio on or about the XXXX of XXXX of XXXX and was advised that they did not have any applications, or documents associated with this account and therefore could not provide these requested documents to me that I needed to contact XXXX XXXX. All along they have alleged the debt as valid when disputed. I also on or about the XXXX of XXXX reached out to XXXX XXXX and advised them this account was a fraudulent account and that I was not responsible for it. Once I advised this they refused to provide me with any documentation. They advised that the address I gave them through XXXX XXXX was the address of the account when it was opened. I just gained possession of this home in XXXX of XXXX after a long investigation by the federal bankruptcy court. XXXX XXXX advised that they had the debt in their system as a fraudulent account and that they would escalate it to a higher dept and someone would be in touch with me. I have heard nothing from XXXX XXXX. I was in a bankruptcy from XXXX until XXXX and it was dismissed as a no asset distribution. This is not my account and I did not benefit from this account in any manner. I did not authorize this account to be opened in my name by any parties. Now both XXXX XXXX and Portfolio refuse to delete and remove this account from my credit report. It is damaging my credit and I am suffering both financially and mentally having to keep dealing with this account. Portfolio advised they were authorized to settle the account for {$320.00} and that was the only way that it would be deleted from my credit report. This is not my account and I am not paying it.
Product: Mortgage

On XX/XX/XXXX I applied for a " construction to permanent '' mortgage at Regions Bank through XXXX XXXX ( XXXX XXXX ). I was seeking this loan to finance a home build for my family. I applied via a hyperlink provided by XXXX XXXX, and submitted my SSN/other personal identifying information to begin the process. This resulted in my credit being pulled by Regions Bank that day ( XX/XX/XXXX ). 

On XX/XX/XXXX I supplied XXXX XXXX a signed builder 's contract and house plans, hoping to continue the application process where I would eventually receive an official 3-page Loan Estimate. This official Loan Estimate is required so I may properly compare Regions ' mortgage offer with similar lenders. My home builder ( XXXX XXXX ) then supplied XXXX XXXX with all required forms so they might be added to Regions Bank " approved list of builders ''. 

On XX/XX/XXXX XXXX XXXX at this point asked me to fully " commit '' to the bank before moving my application forward. As I had not yet received an official Loan Estimate, I was not comfortable " committing '' to the bank at that time. I informed XXXX XXXX that I was committed to continuing the application process, but I reserve the right to back out at any time prior to closing. XXXX XXXX then replied that he refuses to proceed with the application because I was considering other lenders aside from himself & I would not " commit '' to Regions Bank. 

As of XX/XX/XXXX XXXX my credit was pulled a week ago and all requested documents to XXXX XXXX were submitted, yet he still refused to move my application forward. This is prohibiting me from receiving the official, 3-page loan estimate that I'm entitled to via the Real Estate Settlement Procedures Act ( RESPA ) and the Truth in Lending Act ( TILA ).

Being required to fully " commit '' to a bank before receiving this document is not only unethical, but violates my lawful rights. I politely ask that the Consumer Financial Protection Bureau look into this event to ensure it happens to no one else.