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

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

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. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX 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 XXXX XXXX XXXX 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: Checking or savings account

Citi bank had a promotion to open an new account. 
On XX/XX/XXXX, I opened the checking account for {$1000.00} and the saving account for {$49000.00}, total of {$50000.00} to be Priority costumer. 
They said keeping {$50000.00} for 60 days is eligible to get a cash reward of {$700.00}. 

After opening those accounts, I received the letter to tell that I have to submit my ID and a proof of my current address. On XX/XX/XXXX, I faxed my Driver 's license copy and one of my monthly payment which shows my address. 
After this, I received the application booklet in a mail. I applied it by faxing on XX/XX/XXXX. 
They told me to check my states calling the costumer service. I did few times, on XX/XX/XXXX, XXXX and more. One of my conversation with them, I made sure when the cash will be delivered and when I can move the {$50000.00} to a CD. They said the rewards will be after 60 days and I can move them to the CD after 90 days. 
I received the check book and the debit card some time later. I didn't activate the card right away but I did it on XX/XX/XXXX. On XX/XX/XXXX, I receive an email telling I am not qualified to receive the {$700.00}. I called next day on XXXX three times to get a right person who takes care of this matter. They explained I am not qualified because the transaction of money was on XX/XX/XXXX.It was required to do in 30 days after opening the accounts to be eligible. I talked with the supervisor, XXXX, on the phone to explain that all process were handled by them. It was not I could control of speeding up. My calls I made during the process, none of them made encouraged me to do faster. They know the time when they transfer money was already exceeded 30 days but they kept my money for 60 days. 
XXXX was nothing but robotic to talk to me. I said to her that you should shame of yourself working at this bank operate a scam.I got so frustrated to be treated this way so I cancelled my accounts at this moment on the call with XXXX and I got money back on XX/XX/XXXXwith interest of {$9.00}. 
I was under big shock being treated by big as Citi bank. I never had any experience awful as this in my whole life. 

Their address in envelop is : Citibank Citibank Client services XXXX XXXX XXXX XXXX XXXX, TX XXXX Other address : Citibank, N. A Atten : Citi Priority XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX  Balance : {$7500.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX  ) XXXX Balance : {$3900.00} ; U S DEPT OF EDXXXX XXXX Original creditor XXXX XXXX  ) XXXX Balance : {$7100.00} ; U S DEPT OF EDXXXX ( Original creditoXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; U S DEPT OF ED/XXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$4000.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX  ) XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$1800.00} ; XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit card

Returned an item, person who ran the return ran it as store credit without warning even though a receipt was present. The reason why it ran as store credit without warning is because I didnt give them a receipt. When I asked to run it as a charge back instead they refused to and said, " they couldn't do anything now. '' Tried contacting the manager and got no where. And to make matters even worse, the store credit didnt even work. 

When I disputed the charge in less then XXXX hours I got a email saying, " XXXX you take it up with the mamanger. '' Customer support doent help, citi saids, " we did what we needed to do, '' which Im guessing means immediatly close the dispute. 

Don't use cards with citi bank. 

Case number is : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of late payments reported on my credit report. After reviewing my credit report, I have identified discrepancies in the reporting of late payments. Your company is in violation of the FCRA and Metro2 Compliance and reporting violation 15 USC 1681a ( d ) ( 2 ) ( A ) )
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. 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 Account XXXX XXXX XXXX XXXX & XXXX Account XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX has violated my rights.

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.

Incorrect Names on Experian : XXXX XXXX XXXX Incorrect Addresses on Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Incorrect Employers on Experian : Movate Modeling Agency Incorrect 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unsecured Listed as Installment account on XXXX and on XXXX as XXXXXXXX XXXX  XXXX {$500.00} XX/XX/XXXX Listed as XXXX late payments but Paid.closed XXXX XXXX XXXX XXXX No Amount listed No amount listed. Listed as Installment on XXXX and as XXXX XXXX XXXX but Secured Loan on Experian XX/XX/XXXX Secured Loan Listed as Paid/Closed with XXXX late paymenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Listed as Open Account on XXXX but Collections on XXXX as XXXX XXXX and Experian as XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Open Account on XXXX but Collections on Experian and XXXX XXXX 
{$310.00} XX/XX/XXXX XXXX  XXXX XXXX Listed as Charge off Business Card on Experian but Listed as revolving on XXXX and revolving account XXXX {$530.00} XX/XX/XXXX Capital XXXX XXXX Credit Card Listed as revolving on XXXX and XXXX account on XXXX but XXXX as credit card on Experian. Listed as Closed Charge off {$200.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted typed statement detailing accounts resulting from identity theft, supporting documents submitted police report detailing accounts resulting from identity theft and identity theft affidavit detailing identity theft accounts
Product: Credit reporting or other personal consumer reports

Company report collection balance of {$1300.00} on XX/XX/XXXX Sent letter regarding 15. U.S. Code 6802 on XX/XX/XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the light of the recent lawsuit highlighting major discrepancies with the platform. Despite using XXXX on numerous occasions and report numerous discrepancies my financial institution and XXXX failed to investigate my claims adequately. They informed me that covering lost funds was impossible and tracking these funds was out of their scope of reach. The CFPBs findings have reported that XXXX has neglected to protect its users and opened the doors for repeat offenders to continue to exploit the systems. Leaving users like myself to feel vulnerable not only feel vulnerable but are very much vulnerable.
Product: Debt collection

This company, Capital one, is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to XXXX XXXX XXXX XXXX XXXX which states that the recipient must respond to the request within 14 days. It has been over 14 days and I have not received a response. I have requested that the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the 1099-c that was filed for the account, the truth in lending disclosures, and the opt out disclosures. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. Please see attached.
Product: Debt collection

There is a company named Cach LLC attempting to collect an alleged debt in the amount of {$870.00} for XXXX XXXX XXXX XXXX XXXX. This debt is a result of fraud and I do not owe this debt.
Product: Mortgage

On XX/XX/XXXX I was informed by my mortgage company Amerihome Mortgage that my XX/XX/XXXX, and XX/XX/XXXX payments had not been received. I immediately checked my bank account and noticed that the funds for the XXXX checks issued had not been drawn out of the account yet. I contacted my back and verified that the automatic bill pay system was not at fault, was given the XXXX check numbers, dates mailed, and expected processing time for the funds to come out of the account. I have attached the supporting document that shows the dates that XXXX processed the payments. I paid Amerihome Mortgage the XXXX payments and fees immediately on XX/XX/XXXX. After further investigation I feel that Amerihome Mortgage either held onto my payments or lost them as on XX/XX/XXXX Amerihome Mortgage sent me a letter stating that a check sent to them for payment was denied by XXXX my bank. After talking with XXXX the check that was denied was XXXX of the XXXX checks that Amerihome Mortgage had stated they did not receive. I am filing this complaint as my credit report has been impacted by this error and when I asked Amerihome Mortgage to send a correct statement to the credit companies I was told that they stand behind their decision to report a late payment on my account. There is much more information about the poor customer service with Amerihome Mortgage. When I initially attempted to set up payment on their web site, my account was denied by them saying I could not register for automatic payment or electronic draft on their site. I was not able to get this set up until after this incident in XX/XX/XXXX When I did get it set up the Amerihome Mortgage help advisor said " your social security number '' was incorrect in the electronic bill pay system which did not allow me to set up this account for payment. As a consumer I take my credit report and score very seriously. I was recently denied credit due to this inaccurate reporting and possibly a job that I was interviewing for in the same time period with XXXX ( XXXX ). I am looking for help in getting Amerihome Mortgage to remove the late payment statement as they for some reason did not try and process my payment until XXXX days after it would have been received. The check they attempted to process # XXXX was mailed out XX/XX/XXXX to be received by them on XX/XX/XXXX. They held onto this check until XX/XX/XXXX and because I cancelled payment on this check on XX/XX/XXXX because Amerihome Mortgage said they never received this check, it was denied by XXXX and clearly Amerihome Mortgage did receive this check. My end of year statement from Amerihome Mortgage was also impacted. I could use some assistance in getting all to this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX  DATE ASSIGNED : XXXX XXXXXXXX XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX  a balance due in the amount to of {$4300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have a daughter with special needs and I was forced to move to another home so I could provide her with her own bedroom. The complex I was staying at did not have any 2 bedroom apartments available. I provided adequate notice to the apartment complex that I was needing to vacate along with a letter from my daughters physician stating she needed her own separate space. ( I have attached a copy of the physicians letter dated XXXX for reference. ) The apartment complex manager assured me that I would be released from my lease and that no outstanding balance was due. I was also assured that they would not report this account to collections. They did not honor their word. I did not know there was an outstanding balance reporting until I obtained a recent copy of my credit report. This false reporting of an account with a balance is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's negligence in securing my personal information against external sources has cause my personal information to be released to the world without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$450.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1.  XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.
Product: Debt collection

XXXX XXXX XXXX has contacted my XXXX  parents and release information that I am not even aware about. For the first time on XX/XX/year> I recieved a miss call from SRS. Also, for the first I recieved a letter in the mail from this SRS. I have no knowledge of a loan/credit from XXXX and/or XXXX XXXX XXXX. I am filing a complaint because SRS should not be contacting and harassing XXXX  parents of someone they have no clue is responsible. Please remove the contact information and stop harassing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX LOAN XXXX for months. XXXX  and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous of times a day for the last 3 weeks in regards to my credit report. I havent been able to access my credit report from My.Equifax.com. I notified Equifax that I cant access a copy of my credit report and score from no other credit reporting companies either. Equifax continues to transfer me around then telling me to send a copy of my ID and identity proving documents. I faxed this information over to Equifax and Ive continued to call and get transferred and him up on. I asked for supervisors and no one is never available and they place me on hold for hours at a time before ending the call. 

I request my credit report and score be fixed immediately. I request a copy of my credit report and score be mailed to me immediately as well. 

Equifax is violating all laws in regards to my credit report. They are basically refusing me my report, my score, and access to my credit information. 

If this information isnt corrected, I will proceed with legal suit for violation of laws.
Product: Checking or savings account

I submitted a Dispute with Chase bank regarding {$280.00} XXXX worth of fraudulent charges and reported my card lost/stolen and had my card shut down. Chase issued a temporary credit and then reported that they have found the charges to be mine. 

I called in to change bank on XX/XX/16 and was told there is no re-open process to re-open my fraud claim and that I would just have to accept the decision. I explained that I would be getting an attorney involved as well as reporting the incident to the better business bureau. 

My account was charged multiple small charges over a span of about XXXX days which should have immediately alerted chase to fraud. These charges were as an example, XXXX charges for {$2.00} at a deli ( should have been flagged immediately as fraud ), several charges from a smoke shop, XXXX years of having an account with Chase I have never shopped at a smoke shop because I dont smoke, talk about unusual spending which is definitely a red flag and additional charge in XXXX XXXX XXXX and XXXX no where near where I live. 

Chase refuses to resolve this dispute as my banking institution. On the recorded call the Agent stated that because XXXX charges in between the fraudulent charges were mine, they declined my fraud claim, which makes absolutely no sense as these charges are from online vendors in which my card is already saved and I did not need my physical card in my possession to make the purchase. Then I was transferred to a XXXX that was equally unhelpful who stated that they just can not find any fraud and why did I wait so many days to notice the fraud charges. 

I refuse to allow {$280.00} of money that I did not spend be taken from me when I have never had any fraud issues in my account.