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

Should you continue to disregard, fail to comply, or fail to provide authenticated proof of substantial and satisfying evidence of compliant reporting codes, as outlined in this statement, you should accept this letter as an official document signaling my intention to seek civil action. I am hereby notifying you that I, the consumer, am currently injured by your unproven or inadequate reporting practices. With that in mind, I am contesting the assumed but conditional reporting privileges of any and all claims challenged within this consumer complaint.

This declaration demands that you provide demonstrable proof of your lawful, certifiable, and compliant reporting practices, which must fully adhere to my state 's and all applicable federal reporting mandates and statutes. Specifically, I am requesting that you provide evidence of your adherence to the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and any relevant laws within my state. This is to ensure that your reporting complies with the highest statutory standards.

My concerns are particularly focused on whether the claims reported in my file have any deviation from your mandatory use of legitimate and ethical industry stan
dards. Of particular importance is your compliance with the Metro 2 Data-filled Field Formatted Reporting Standards as required by the CDIA ( Consumer Data Industry Association ) .

Upon reviewing recent copies of my personal consumer credit report, I have noticed potentially questionable data. It appears that some information may have been re-added to my credit report profile after it was previously removed, and I have not received the required 5-day notice of the reinsertion from your office, as mandated by the FCRA. If this is the case, I am confused as to how and why this data has been reinserted.

As you are well aware, under the Fair Credit Reporting Act ( FCRA ), any item previously removed from a consumers credit report can not be reinserted without written notice to the consumer from the reporting agency within five ( 5 ) business days. To date, I have not received any such notice.

Therefore, I request that you immediately address this issue. If your failure to do so continues, I will consider pursuing legal action for violation of my consumer rights, as this failure may be considered unethical and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am hoping for a quick correction on this matter. Thank you. 
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: Credit reporting or other personal consumer reports

XXXX reported all the listed accounts in the pdf that I am completely unaware of. I need all listed accounts in the pdf attached removed expeditiously. I did not make these reports nor give permission. I have filed an identity theft report ( FTC REPORT NUMBER : XXXX )
Product: Bank account or service

I used PNC Bank. On XXXX2016, I ordered a check to be sent to my landlord, XXXX XXXX from PNC via their bill pay service. My landlord contacted me on XXXX to say she never received the check. The check was cancelled, but two days later it was found to have been cashed at a XXXX back. I had to write another check to the landlord to cover the rent. The dispute process was started, my landlord signed an affidavit and had it notarized stating that she never received the check. The check itself was cashed at a XXXX bank, and it was endorsed with my name ( XXXX XXXX ) as an obvious forgery. Clearly whoever cashed the check did not check for identification. PNC stated that the needed 4 months to complete the invesitagation, which was on XXXX/XXXX/2016. There response was that they had not heard anything from XXXX bank, and they suggested that I contact XXXX bank to solve the problem. I do not have any connection with XXXX bank. I followed PNc bank 's process to the letter, and I have done nothing wrong. Dispute number : XXXX Spoken to XXXX XXXX in customer service online message center.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my enrollment in XXXX on XXXX XXXXn XX/XX/2021 the website was showing " XXXX Active '' with a green checkmark. In XXXX my vehicle was repossessed due to XXXX not charging my account as intended. Upon my inquiry with XXXX, I was told that the XXXX won't work unless the next bill is paid manually. Obviously, I didn't expect that and could not assume the cascade of non-payments will take place when I have a green checkmark next to XXXX on my account. 

I have paid late fees multiple times due to XXXX not withdrawing the payment on the scheduled date before. Twenty-five dollar fees havent caused me to to try do get to the bottom of the issue. I paid the fee, paid the balance, and enrolled in XXXX again. But this time not only I was charged a repossession and towing fees but my credit report was marked. All due to XXXX 's XXXX being designed to fail unless the customer pays manually. I am willing to take this to an attorney if not addressed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

he current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.
Product: Debt collection

I had  XXXX   XXXX  owned by  XXXX   XXXX   XXXX  as a water delivery at my home in California. Over the course of several months, I was charged for extra bottles of water not delivered. I explained the situation multiple times to the route manager. They told me that they would get it addressed. Upon moving all the equipment was returned to them. Then I get a bill for almost  XXXX  I called and could not get anywhere. I filed a complaint with the CFPB and the matter suddenly was pulled from collections. I got a call from a  manager in California. They looked into the matter and credited the account and I paid the final bill of {$190.00} to them via a USPS money order. Now today, I get a not ice from a collection company telling me that I owe almost {$300.00} still. I immediately contacted the collection company via email and provided them all of the previous correspondence in disputing the matter. Then I get an alert they have reported this to my credit. I called the manager of California at  XXXX . He promised that he would get this handled and call me back. It 's been  three  weeks and no return phone call. I 've left several messages on his voice mail.
Product: Checking or savings account

On XX/XX/year> I counted and placed XXXX new XXXX dollar bills into atm. The machine went into error and kept my card and money. No staff wanted helped me. Finally someone behind the counter touched the machine then walk away. The machine gave me an error receipt with NO ACCOUNTING my card and {$400.00} of the {$1000.00} dollar which I waited in line and deposited. The branch would not contact any customer service for me so I remained in the bank XXXX more minutes trying to report that the machine never returned my {$1000.00} dollars. The branch manager said she would try to escalate a temporary credit due to the bank not owning the machine. On XX/XX/year> I received {$1000.00} temporary credit. On XX/XX/year> I had a balance of {$200.00} with a {$72.00} payment pending, the bank nsf my payment and overdrawn my account {$790.00} .which i immediately came and deposited {$1400.00}. I asked them to investigate and waited another XXXX weeks to receive a call from the branch manager on XX/XX/year> that the atm service claims the machine was not out of balance and believe all cash was returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment remarks are keeping me from being approved for future loans/credit baring agreements.
Product: Credit reporting or other personal consumer reports

For the Credit Reporting Agencies continued violation of the FCRA and these specific codes. 15 U.S. Code 1681 ( a ) ( 4 ) ; For the Credit Reporting Agencies continued violation of the FCRA and these specific codes, 15 U.S. Code 1681 ( a ) ( 4 ) ; 15 U.S. Code 1681 ( a ) ( 2 ) ; 15 U.S. Code 1666b.

Legal Demand and Notice as it pertains to the FCRA as a federally protected consumer. For continued failure to act in good faith. As private for-profit companies that collect data on the credit history of people to then sell to the commercial and financial enterprises that extend credit. See 12 U.S. Code 1431 ( a ) I am now opting out ( rescinding ) of any and all Authorization, I the consumer may have given you ; written and unwritten, verbal and nonverbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Money transfer, virtual currency, or money service

I was using Zelle and money was being sent to people I didnt know someone got a hold of my account information and when I reported it to them they would not refund me back my money
Product: Credit reporting or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
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 Number : # XXXX, Account XXXX : # XXXX, has violated my rights. 

And 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.

15 U.S.C. 1681B ( 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

I had three cd accounts that I paid and full and close but I dont see anything showing that I did it still showing as opened on XXXX XXXX  and on XXXX. Can you verified it and update it and send me a updated report for me to confirm
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : UNKNOWN # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required 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 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. According to FCRA Section 605B ( a ), The Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

THIS IS NOT A REQUEST TO HAVE ANY EXTENDED FRAUD ALERTS OR SECURITY FREEZES PUT ON MY ACCOUNT. YOU ARE NOT TO PUT ANY OF THOSE ON MY ACCOUNT. ALSO TAKE OFF THE BLOCK ON MY ACCOUNT FOR PROMOTIONAL PURPOSES AS I NEVER AUTHORIZED YOU TO PUT THAT ON THERE. 

i spoke to XXXX collection today and spoke to XXXX XXXX and she advised that this account has been closed and is no longer in their system and they submitted a manual request for deletion to the credit bureaus. So this account still remains on my file and proves that Equifax lied about them verifying this. Also XXXX I spoke to XXXX at XXXX XXXX and she informed me that XXXX does not have any original source document nor do they have a signed XXXX Release form showing that this medical facility has the right to share any of my person information so this is now a FEDERAL OFFENSE and Equifax is just as guilty for saying they have verified these XXXX XXXX accounts when they have not done so. By me calling these creditors today this shows that Equifax is violation federal laws in the FCRA and they need to be fined and shut down for doing so. Read the hand written notes on the attachment. I have caught you in a bold face lie about verifying these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer with XXXX for a long time. I have never been late. I asked them to remove the billing error and they lied to me and said that they have investigated and found it to be true. I have my detailed billing history and no this is not true.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS LOANCARE Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


6. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


9. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


10. there is some inaccurate information reporting DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 


12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Delete this account. 


13. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


14. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I opened the checking account with SUN TRUST bank in XXXX Ga. and Deposted my social security check {$1200.00} on XXXX. On XXXX, SUN TRUST decided that they did not want to do business with me. But as of XX/XX/2019 they have not returned my funds. I/my sister have called and spoke with employees, supervisers, manager and they all respond in casual manner as if, its ok for them to hold my funds for 2 MONTHS!! and not return them. they stated that the fraud deptmt is holding my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my consumer report. I didnt give these companies permission to check my credit. I dont know who gave them permission.I went to a car dealership with my own approval. They were informed that I had my own funding and i supplied them with my own approval letter. None of the listed companies had permissible purpose to check my reports. 

These are fraudulent. Also i have credit card inquiries that i did not authorize. The I called the credit reporting agencies last week and they refused to help me and told me to call the banks myself. As i understand Consumer reporting agencies have a duty to report 100 % accurate information and i am notifying you that you are reporting false information.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
...... 
This is hindering me from doing the things i am trying to do. 

The inquiries are : TRANSUNION : 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