23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Using various Metro2 and E-Oscar compliant-software I have identified dozens of anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and personally identifiable information on every credit file bearing my name, and Social Security number .

I understand full well that Metro2 and E-Oscar are industry protocols created by the nonprofit organization XXXX XXXX, and not a creation of the Congress of the united States of America. 

I am demanding XXXX and its member organizations STOP engaging in deceptive trade practices and immediately VERIFY as Metro2-Compliant or DELETE all anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and Personal & Employment Identifiable Information on every credit file bearing my name, and Social Security number . 

You have 24 hours to e-mail me the results of your Metro2 and E-Oscar verification processes and protocols and list of eligible deletions.

If you choose to continue on this path of negligent and willfully defamatory reporting, I will invoke every measure afforded to me by the FCRA ( 1970 ) 15 USC 1681 et seq, TILA ( 1968 ) 1601-1667f, and RICO ( 1970 ) 18 USC 1961-1968 .

Subject : *Metro2 Compliance Check and Verification or Deletion* Using various Metro2 and eOscar compliant-software I have identified dozens of anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and personally identifiable information on every credit file bearing my name, and Social Security number.

I understand full well that Metro2 and eOscar are industry protocols created by the nonprofit organization XXXX XXXX and not a creation of the Congress of the united States of America. 

I am demanding XXXX and its member organizations STOP engaging in deceptive trade practices and immediately VERIFY as Metro2-Compliant or DELETE all anomalous, defamatory, erroneous, and inconsistent Accounts, Inquiries - hard and soft, Payment data, and Personal & Employment Identifiable Information on every credit file bearing my name, and Social Security number .

You have 24 hours to e-mail me the results of your Metro2 and eOscar verification processes and protocols and list of eligible deletions. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX all are in violation and the updated information is missing information and you are to now remove all of these account off my report within 24 hours
Product: Consumer Loan

I am trying to get a home loan  and Nationwide Accptance LLC is rep orting my loan as in repossession and written off. I am current on my paments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im gettin really frustrated disputing with these credit bureaus, I send dispute letters off over a month ago on XX/XX/21 and still no response. Im very aware of the law and know according to the FCRA these disputes should be validated within 30 days and failure to do so gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I need this problem fixed ASAP I will not wait another 40 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. In Section 611 ( a ), of the FCRA it states that a failure to investigate these items within 30 days demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

4 years now I've been dealing with the three credit companies back and forth repetitively since the data breach of Equifax in 2017. Today I am riddled with fols inquiries unauthorized inquiries accounts that were not in mind and went to collections and I'm still being charged for even though I've submitted several FTC reports and police reports XXXX car based inquiries are ridiculous and keep me and my family since I'm a single dad with three little girls from ever having a decent life XXXX XXXX XXXX anyway XXXX XXXX XXXX XXXX all false and submitted in an FTC report several times and a report from the commission overseeing the Equifax breach
Product: Consumer Loan

My grandmother got a loan from Citifinancial and they put a lien on her house until the loan was paid in full and she was also told she had to purchase the insurance in case of XXXX or death. She purchased insurance and eventually she had a XXXX and when I called to ask what the insurance will cover Citifinancial told me it was only payable upon death. Later they sent her a letter stating the insurance will expire XX/XX/2015 and would no longer have insurance on the loan. Unfortunately my grandmother passed on XX/XX/2015. When attempting to make an insurance claim, and they deny the claim stating she had no insurance although they we 're charging her for it.
Product: Credit reporting or other personal consumer reports

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report I file a complaint with the CFPB against XXXX XXXX for violating 15 U.S. Code 1681b, a consumer report containing information about an individual 's child support payments should be kept confidential and only used for specific purposes, such as establishing the individual 's capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment. The law explicitly states that this information should not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. The company did not respond to this complaint. They responded with a script about the accuracy of the information which was not the complaint, so therefore, my complaint was never addressed, and I would like for my complaint to be addressed specifically for what I wrote in the complaint. I do not understand how the CFPB can accept this without doing any type of investigation to see whether or not my issue was addressed. My issue was not addressed, and I need for somebody to make sure that the issue that I am reporting is addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. 
Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truthin commerce, so be it, and ; LIST CREDITOR ACCOUNTS HERE : XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX  {$720.00} XX/XX/XXXX
Product: Student loan

I was unemployed and they still wanted me to make payments. When I was employed I was working at a temp agency making only enough money to cover my rent and bills and they STILL would not lower my payments based on my income. When I was telling them of my situation each time they made excuse on why they could not or would not lower my payment. When I was unemployed a csr agent advised me to sell my plasma. I thought it was rude of them to ask me to do something like that. But I did not know who to complain too.
Product: Debt collection

Received multiple phone calls from  IQ  data international regarding a debt owed from an apartment complex. I have asked for verification of debt, as well as written documentation stating what I owe. Representative states that they have sent multiple letters to my address, which they have not because I have not received on single letter. Advised that I will not pay until the debt is validated and I receive information showing what it I owe as I feel the amount they are asking for is outrageous, and I am not clear exactly what I am being charged for. I refuse to pay for an unvalidated debt over the phone, as I am a victim of identity theft. I need written verification and validation. If this can not not be done in a timely matter, this item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE HAVE DISPUTED MANY TIMES AND WE HAVE BEEN OVER LOOKED NOWWE NEEED TO RESOLVE THIS.CONSTANT NEGATIVE REPORTING CAUSING THE LEVELOF OUR LIFESTYLE TO BE CHALLENGED. THIS IS AN OPEN CHARACTER XXXX. AND THIS IS ADVERSLY AFFECTING ME THE CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a couple of errors on my credit report, so i reached out to experian to see if they could explain whats on my report and why its on my report. They sent me back a report saying the information was validated, but they did not explain how the investigation was done. I want experian to provide how they conducted their investigation, who did they talk to while investigation, phone numbers, emails, fax numbers, and names. Explain how the information is vald, going through the E oscar system is not proper investigation or validation, i plan on taking this to small claims court so im getting all my paperwork in order, and getting a papertrail together.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint regarding this company. They temporarily fixed the error on my report only to re-report the incorrect information. My mortgage was transferred from XXXX XXXX  ( loan # XXXX ) to XXXX XXXX on XX/XX/XXXX. At that time, the home was in escrow. XXXX XXXX contacted XXXX XXXX ( Loan # XXXX ) on multiple occasions in late XXXX and XX/XX/XXXX attempting to get a loan payoff and were rebuffed with the recurring excuse that my loan " was not in their system '' and they were unable to accept payment. We already had a payoff from XXXX but without a demand from XXXX, escrow was unable to proceed with the payoff. I finally reached an employee ( XXXX XXXX ) at XXXX on XX/XX/XXXX who was able to secure the payoff for us the next day and the loan was paid in full on XX/XX/XXXX. When escrow did finally close, I was forced to pay many extra days of interest and taxes ( approx {$200.00} per day ) because of their refusal to provide a payoff when asked in late XXXX. 

My loan with XXXX  was in forbearance at the time the loan was transferred. XXXX rightfully reported my loan as paid as agreed. XXXX reported " paid 150+ days late. '' I have contacted XXXX XXXX on multiple occasions to no avail so I filed a dispute with the credit bureaus which XXXX responded to and lied to them saying I was 150 days late. If in fact I was 150 days late, there would have and should have been late fees charged to my account. None were charged because I was not late. My loan was under forbearance when it was transferred and XXXX XXXX was required to honor that forbearance or in the alternative accept a payoff in a timely manner. They did neither. 

XXXX XXXX only owned my loan for 19 days and spent 18 days of that refusing to take money from myself or escrow. Now they want to claim I was 150 days past due which is an outright lie. They need to correct my credit bureaus as they have dropped my perfect credit score from XXXX to XXXX. This is unacceptable and they do not respond to requests to correct their mistake. The phone number designated for disputes ( XXXX ) is not in service and rings 3 times then hangs up. 

The lowered credit score has caused my business ' credit to be affected thereby choking my business during a pandemic. 

I am attaching the following : The original payoff quote I got from XXXX XXXX through XX/XX/XXXX The letter from XXXX saying my loan was being transferred which I received on XX/XX/XXXX An email from my realtor to XXXX XXXX with the letter referenced above attached and response from escrow saying they would need a new demand Emails from escrow from XX/XX/XXXX - XX/XX/XXXX outlining efforts by XXXX XXXX to get a payoff from XXXX XXXX to no avail. 
Text messages with my realtor from XXXX XXXX outlining the scramble to finally get a payoff from XXXX XXXX XXXX XXXX XXXX XXXX XXXX quote and accompanying email I finally got on XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having hard times with Capital One to dispute fraudulent inquiries that they are reporting to my credit bureaus. I have the following accounts with Capital One and those account are not related with the fraudulent inquiries that I am disputing and requesting removal here. 
VALID ACCOUNT THAT I HAVE WITH CAPITAL ONE : XXXX XXXX XXXX ending in XXXX opened XX/XX/XXXX XXXX Card ending in XXXX opened XX/XX/XXXX XXXX XXXXXXXX  ending in XXXX opened XX/XX/XXXX XXXX XXXX XXXX ending in XXXX opened XX/XX/XXXX XXXX XXXX  ending in XXXX opened XX/XX/XXXX XXXXXXXX XXXX ending in XXXX opened XX/XX/XXXX The inquiries that I am disputing are : CAPITAL ONE - XX/XX/XXXX CAPITAL ONE/XXXX XXXX  - XX/XX/XXXX CAPITAL ONE AUTO FINANCE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX XXXX GDM - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE/XXXX XXXX - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XX/XX/XXXX CAPITAL ONE - XXXX XXXX, XXXX CAPITAL ONE AUTO FINANCE - XXXX XXXX, XXXX Capital One has a Pre-qualification system very effective for credit applications to avoid credit inquiries, all the accounts that I have with Capital One have been opened using the Pre-qualification system. These fraudulent inquiries have been affecting my credit score, please remove them as soon as possible. 
I would like to mention that XXXX XXXX is a great financial institution and I have business with them for over 2 years without experiencing issues, this is the only issue I been experiencing and I am pretty sure that the credit bureaus are not following the appropriately step on the dispute that I have filed with them, so, at this point I decided to file this compliant to resolve this situation directly with Capital One since I been calling Capital One and I havent been able to get an agent on the phone willing to help.
Product: Credit reporting or other personal consumer reports

Dear Experian Disputes Department, I am writing to formally dispute certain inquiries that appear on my Experian credit report. Upon reviewing my credit file, I noticed the following inquiries that I believe were made without my authorization or are in error. Please investigate and remove these inquiries from my credit report. 

The disputed inquiries are as follows : XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I do not recall authorizing these inquiries, and I request that you verify their legitimacy with the respective creditors. If any of these inquiries can not be verified as authorized, I kindly ask that they be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please provide written confirmation of the actions taken to resolve this dispute. If additional information or documentation is required, please contact me at your earliest convenience. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 hard inquiries on my reports from XXXX XXXX XXXX, Capital One, and XXXX. XXXX. On XX/XX/2022. I did not apply for any credit cards. I spoke with XXXX XXXX XXXX. The credit application has all my personal information but is using a different phone number and possible different address.
Product: Checking or savings account

Wells Fargo charged lots of over draft fees on top of each other XXXX XXXX XXXX I have since married.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681C-2 A consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number _______________________________________ In accordance with the Fair Credit Reporting act 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 _______________________________________ In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used td bank transfer to XXXX XXXX on XX/XX/2019, the amount was {$1000.00}. The bank has suspended the transfer due to account problems, and verification is required during the transfer process. I called immediately to cancel. The online service staff clearly told me that there would be no automatic transfer, but it was still transferred by td bank, because when I checked my bank records on XX/XX/XXXX, the transfer was from my bank without my authorization and notification Account transfer. I am very disappointed about this. Due to the irresponsible operation of the bank staff, I contacted td bank multiple times, but until now I have not received the money that belongs to me. They have been shirking responsibility and did not actively deal with this matter. I went to the cfpb department to complain about this matter. I hope TD Bank will be responsible for returning the money to me. TD Banks irresponsible behavior has affected me not to trust them. Their behavior makes me very insecure. Finally, I hope that the bank can solve this in the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has had 2 of my paid up credit cards closed out and had one 's credit limit slashed by 90 % by reporting issues all caused by Covid19 and/or wildfires to the banks. My issues are temporary and 100 % caused by pandemic and fire. Then they sell my info to these fraudulent companies hassling me to let them settle my debt. It is XXXX to use this tragedy to punish me.
Product: Credit reporting, credit repair services, or other personal consumer reports

First point - this complaint has nothing to do with the content of my credit report from Experian. I filed a complaint previously and the response with a canned response about disputing the content of my credit report. Let me emphasize again ... .this has nothing to do with the content of my credit report or disputing the content of my credit report. 
Complaint : Experian lowered my FICO credit score because I requested a Security Alert and a Security freeze from Experian and from XXXX after the XXXX data breech.  There were no changes in my credit report or credit history. My FICO score should not be lowered because I requested a Security Alert and a Security Freeze.
Product: Checking or savings account

I received an email from Credit Karma on XX/XX/year> stating that my account could no longer be serviced and would be closed, no explanation as to why. It stated that a refund of my balance would be issued either by bank transfer or check within 5 days. I received neither. I contacted their customer support on XX/XX/year> and was told my concerns would be escalated to a special investigation team and I would receive an email from them. I received that email on XX/XX/year> and it stated that in order to get access to the remaining funds in my account I would need to contact the state of Oregon, again no explanation as to why or who exactly I should contact. I contacted customer support again and they could not give me further information but said they would again escalate my concern and to watch for another email.