23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX 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 , FTC and my Attorney General.
Product: Money transfer, virtual currency, or money service

Small Amounts & Large Amounts Of Money Was Taken Off My Cash App For Years
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I paid off XXXX & XXXX a collection account for {$57.00}. XXXX XXXX XXXX reported to XXXX and Equifax that the account was paid and the account was removed from my credit report. The account was paid off under 2 years from the open date and I should have received a credit score increase of XXXX according to the website of Equifax and XXXX XXXX I did not receive the credit score increase. 
On XXXX XXXX XXXX  I paid XXXX XXXX XXXX a collection agency {$230.00}. XXXX XXXX XXXX reported the debt as being paid and requested for it to be removed from my credit report. The collection was removed but once again I did not receive the XXXX pts that I am supposed to receive for paying the debt off under 2 years. It is my belief that this is done in order to promote and gain from consumers need for products and services that promote higher interest rates. This is damaging my credit and ability to obtain lower interest rates. The only thing that Equifax did was send me a copy of my report which did nothing to correct the problem.
Product: Credit card

Synchrony Bank XXXX Care Credit Care Credit offers promotional periods to pay off a charge made using their credit card. These are listed on your account with date of charge, amount, promotional period end date ( to avoid interest ) and current balance. 

I make full payments of promotional balances prior to the promotional period ending. 
Payments are never applied right. I have made payments via their website or by calling and proving the promotional balance it is to apply to, but they are always misapplied. I have chatted via their website or called, always with the promise they will be corrected, but they never are. I end up having to write a letter to their disputes department. 

I have the majority of my promotional balances ending in XXXX, but they have paid off the balance of one in ending in XXXX ( this has actually happened twice ).
Product: Checking or savings account

Chime is refusing to unblock my account and has been for the past two months. I had tried to transfer money to another bank account but it was sent back due to my clearview bank transactions being blocked. Because of this chime blocked my account and refuses to unblock it even when I show them the proof that they ask for. Each time I show the proof they send me another email with completely different details needing to be met. And when I still show the documentation they just repeat the email with different qualifications refusing to give me access to my money. This has been a hugely incredible hindrance to my life and has affected the children I provide for.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I XXXX, XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The address that shows up on my credit report which i gave disputed many times I have fixed many times still shows up on my credit report I live there like 7 years ago. I even called the credit cards that had that address so that it would no longer be on file it still keeps popping up. My old neighbor contacted me and said mail was coming to the house. I fixed it again. This account has been closed for a long time. And its closed now. I even did something were I foward all my mail. This is very stressful. I do not own any businesses at all I only have one address
Product: Credit card

I have a " Fidelity Investment '' credit card serviced by Elan Financial Services that is paid automatically from a Fidelity Investment checking account. 

On XX/XX/XXXX my automatic payment was refused by Fidelity Investment for insufficient fund ( due to an internal error from Fidelity ).

Elan Financial is now charging me a return fee, interest and will report a late payment on my credit report.

Elan Financial did not notify me of this refused payment. I discovered it on my statement.

When I called Elan Financial to complain about this lack of notification, their customer service representative hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to the courthouse asking do they report bankruptcies to any credit bureaus and I got a letter from XXXX XXXX job title clerk US Bankruptcy Court District of New Jersey, city of XXXX NJ. Stating " the courts do not report any bankruptcies to any reporting agencies. If this is the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC1681 15 USC1681 section 503 ( 3 ) ( E ) states ; The term '' investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to:15 U.S.C. 1681 section 602 A. States, I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681-2 ( 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

in accordance with the Fair Credit Reporting Act, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX CARD Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : 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
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681 convergent account number # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX BANK Account number XXXX Has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 c a 5 sections 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 7 years 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX  ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to tak-timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XX/XX/year> Midland Credit Management Account # XXXX To whom it may concern : I am writing to dispute the above referenced account on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide validation of the debt of the consumer disputes or within 30 days of the initial collection notice ( 15 U.S.C s 1692g ). I dispute this debt for these following reasons : This is not my account The balance being reported is incorrect This account does not belong to me You have not provided sufficient evidence that I owe this debt As I am disputing this account under the FCDPA, I request that you provide complete verification of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court # XXXX has violated my rights. 

XXXX Collections, prXX/XX/XXXX acct # XXXX, 15U.S.C. 1681 section 602A States I have the right to privacy 15U.S.C. 1681 Section 604 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

Credit Acceptance Corporation has reported multiple insurance purposely to different credit agencies. The car was bought with a former spouse. The former spouse disappeared and I filed for dissolution of marriage. Since I left with nothing but the clothes on my back and left my former spouse everything including money, apartment, and vehicle, in the decree, the Superior Court Judge awarded her all property. I solely kept the vehicle I purchased when I left.

As a note, it took months to process the dissolution of marriage as event the sheriff 's office could not find her to serve the documents. My lawyer and the judge made very clear that I would be losing all rights to the vehicle and the possessions I left with her.

When I called Credit Acceptance Corporation, I was cursed at, told that Credit Acceptance will does not have to abide by what a judge says in another state and demanded payment or adverse credit reporting will continue. I contacted another legal team to deal with Credit Acceptance Corporation.

Just a look at consumer reviews are enough to send chills down your spine.
Product: Payday loan, title loan, or personal loan

I live in Virginia and applied for a online loan. I have come across information that XXXX is not legal in Virginia. XXXX keeps taking funds from my checkings and causing overdraft fees. I am more than willing to pay them what I owe. But, at 149.81 % it is impossible to do so. I borrowed {$1200.00} from XXXX and my payment was supposed to be {$79.00} a month. XXXX is taking that amount from my checkings sometimes, 2 to 4 payments in one month. I have been late one time and XXXX  has made me pay dearly. I have contacted XXXX  about the matter and they refuse to work with me.
Product: Credit reporting or other personal consumer reports

The collection account being reported by XXXX XXXX is the result of identity theft and does not belong to me. I have no legal obligation to this company, and this account should not appear on my credit report. Additionally, I was never provided with any form of debt validation, which is required under the Fair Debt Collection Practices Act ( FDCPA ). When I contacted the original creditor listed on my credit report, they were unable to verify the balance being reported or provide documentation showing that the debt was sold to XXXX XXXX. 

I specifically requested copies of any correspondence that should have been sent to me regarding the alleged transfer of this accountnone have been provided. Because this alleged debt has not been fully validated with the necessary documentation ( including a signed agreement, complete itemization of charges, and proof of assignment ), I am demanding that this account be deleted from my credit file immediately. 

Continuing to report this account without proper verification is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA.
Product: Credit card or prepaid card

Bank of America XXXX I am writing of an abuse from with in Bank Of America. BOA lost {>= $1,000,000} in a clase action suit for these practices and they are continuing. The case was Lisa Morris, et al. V. Bank of America , N.A . The case for fee timing practices. The fee timing practice has not stopped. I am a victim of fee timing by BOA. 

BOA is charging me {$150.00} in at unreasonably high interest rates for paying extra on my account due to an automatic payment that caused a double payment ( after previous problems with the BOA automatic payments caused late fees and interest that I should not have paid ). Bank Of America was immediately notified by phone call and in writing to reverse the double payment. Bank of America chose to withhold the reversal that was requested to gain unjust enrichment of absorbent interest for three months in bad faith.

This was not standard interest, it is a deceptive business practice.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX sent a letter off on XX/XX/year>. I requested for the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FCRA, the term " investigate consumer report '', means that a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other whom I am acquainted or who may have knowledge concerning any such items of information. 

The bureaus stated that my accounts were verified but how is that possible when they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. 

According to the FCRA 15 USC 1681, all information reporting to the credit bureaus must be 100 % accurate. I have the credit report showing the inaccuracies. 

Listed the Accounts : XXXX XXXX  Account # XXXX, XXXX  Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will besettled. 
XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

this is part of complaint filed same problem as case XXXX I guess I must send this to each company involved its been sent to XXXX now same for Macys which is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Macys.comXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

bank of america called on XX/XX/XXXX stating someone trying taking a loan in my name for XXXX  XXXX.
Product: Mortgage

In XXXX I took out a mortgage with Fifth Third when I purchased my house. In XXXX I took part in the XXXX XXXX XXXX XXXX. The loan officer I was working with indicated that a value on my home wasn't needed as Fifth Third Bank had previously closed my loan. In XX/XX/XXXX, I contacted Fifth Third Bank to inquire about my PMI still being on the loan. My original purchase price value was {$150000.00} and I was well under 80 % LTV. I called by phone to Fifth Third Bank and they required that I send an email. Upon sending an email they never got back to me even though I received a confirmed response from Fifth Third. I inquired in XX/XX/XXXX why PMI was still on my account and they advised they mailed something to me back in XXXX. I advised I never received and they didn't offer to send it to me. I find it interesting that they require I communicate by email but then they change the way they respond. They advised my request was denied for PMI removal as a widely inaccurate AVM was pulled in XXXX with the HARP program. My house has a XXXX SEV of {$100000.00} so my value is clearly above {$200000.00}. Fifth Third advised the only way to remove the PMI was to get an appraisal since the AVM was {$130000.00} in XXXX. I inquired about the use of an AVM and they declined. I feel it is unfair that a lender can use an AVM but a borrower can not for similar purposes. I inquired about a value disclosure with my XXXX refinance and Fifth Third was unable to provide one. I'm asking the CFPB to find Fifth Third Bank responsible for employee loan officers who made incorrect statements, constantly changing the communication method making it difficult for borrowers, unfair practices with using AVMs  and not allowing borrowers to do the same, and not escalating my concerns within the company. I would like my PMI waived effective XX/XX/XXXX and Fifth Third to pay me for the months I've had to pay PMI.
Product: Credit reporting or other personal consumer reports

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received two letters from your office, addressed Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX on XX/XX/XXXX and XXXX of 2024. In the letter written on XX/XX/XXXX of 2024, the office notified me that he/she could not locate my credit file in your company database with the identification information I provided. Since I continuously sent the identification information above mentioned office, it is difficult to understand how he/she could get my identification information without my consent. Anyway, this office has asked to provide the identification information to verify myself and my current address, I will provide your company headquarters the necessary documents, which he/she has stated, social security card and drivers license. Also, this office asked me to submit a copy of the death certificate due to my request to add a death notice. I am not sure why I need to add a death notice to my own credit report from the beginning, if so, why I need to report my own death to this office. Therefore, I strongly believe it must be another person, not myself. However, all my family members are surviving, even though one of them had harsh and difficult time during the beginning of the Pandemic as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. This office kindly taught me where I should submit somebodys death in future to : Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX. Honestly, I regret to learn this information before my family members death, even though it makes me realize the future works to submit to necessary document ( s ) to create two death certificates from mother country and the United States for one of my family members, at least. I need to inform them that they need to get the death certificates from XXXX and the United States after the appropriate documentation. Also, your company office mentioned I needed to provide my telephone number, which, if reliable, your company mentioned in the credit report provided ; therefore, I had difficulty to understand why he/she had mentioned that I needed to add my telephone number for a credit grantor to use to verify my identity before establishing new credit in my name. Since the letter on XX/XX/XXXX of 2024 asked to submit to the New Jersey Attorney of General, I gladly do it. 
Sincerely,