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 CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

Please report Correct information to credit bureaus. See Attached
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite multiple attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

The persistent presence of fraudulent charges on my account not only undermines my confidence in your organization 's ability to protect its customers but also reflects poorly on your commitment to addressing fraudulent activity promptly and effectively. 

XXXX a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. 
I emphasize the urgency of resolving this matter expediently to restore my faith in your organization and safeguard my financial interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

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

XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. 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.
Product: Student loan

Since XXXX I have tried to consolidate my student loans held by New Mexico student loans, ( XXXX ; New Mexico educational assistance Foundation ), they go by many names. I am currently on medical leave with my current employer due to a XXXX and XXXX XX/XX/XXXX. New Mexico student loans Corporation continues to insist that they are a federal student loan company but the US Department of Education does not have them listed in there database, XXXX. I currently have all my student loans consolidated under XXXX as my service provider. New Mexico student loans was not eligible because they are a private company and they are not willing to work with me on any forbearance or income-contingent repayment plan and continue to reflect negatively on my credit report. I filled chapter XXXX bankruptcy in XXXX and I do n't understand why this debt was not dischargeable because they are a private lender.
Product: Credit reporting or other personal consumer reports

Hello, I examine my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. In addition, the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been behind on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, AND XXXX  XXXXPlease investigate and provide proof with statements showing that these payments were late. In essence, if proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thank you in advance. Please see screenshot attached.
Product: Debt collection

I paid off a company who led me to believe that after the debt was pays they would remove completely as paid in full. 

I made them aware that the debt amount was wrong and included illegal overages so they said they would lower it. 

Once paid they marked as settled for less. 
You can see in the contract they implied no settle for less would be there.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I contacted my bank ( via phone at the official number ) as I was locked out of my online banking account. They alerted me to some potentially fraudulent activity on my account and told me that the fraud department would call me to address the issue. The next call I received was from someone claiming to be Ally bank fraud who called themselves XXXX. This person asked for remote access to my laptop to figure out how I was hacked. I gave them access but called Ally bank again to verify that this was a legitimate course of action and was reassured that this was SOP by the Ally rep I spoke to. ( see attached phone records for timeline of calls. ) Over the course of the next couple days I worked with XXXX to address the problems. XXXX was a scammer and was able to get control of both my Ally bank and XXXX  accounts and steal {$99000.00} USD out of my ally bank account via wire transfer ( see screen shot ) to the XXXX  account he also controlled and then from there buy bitcoin and transfer that to a wallet other than my own. 
As I had been assured by Ally Bank that I was being assisted by their fraud team I didnt realize that I had been scammed/hacked until XXXX XXXX at which point I got back in touch with Ally bank to inform them of the fraudulent transfer.

From there they locked accounts, and began an internal investigation.

The money wasnt returned to our account. We were not kept up to date on the investigation even though we were calling several times a week to get an update and timeline for resolution. We were informed on XX/XX/XXXX ( 37 days after we reported the fraud ) that the investigation was complete and they were trying to reverse the transfer. Then on XX/XX/XXXX ( 69 days after reporting the fraud ) after multiple calls, we were finally told that the outcome of the investigation was that the transfer was deemed authorized. I requested all evidence and records of their investigation first through secure message in the online portal on XX/XX/XXXX. The person who responded didnt seem to have an understanding of what was happening, and we were encouraged to call to make our request. We called and were told that the records were available normally only through subpoena and to contact ally bank legal at XXXX We repeated our request to that email address on XX/XX/XXXX ( see attached email copy ). We still have had no response and the lack of communication and delays appears to be in violation of established timelines and protocols. The misinformation I received from Ally bank made me vulnerable to this hacker/scammer and I want to review the investigation records to make sure they include my calls to Ally bank wherein I was reassured that XXXX was following procedure.
Product: Credit reporting or other personal consumer reports

Credit collection serv is a collection agency that reported that I owe them {$320.00} I sent a letter requesting a copy of the original purchase agreement showing proof that they purchased the alleged debt showing my correct information. They failed to provide any information.
Product: Money transfer, virtual currency, or money service

Expressing my concerns of Zelles mishandling of my disputes, especially I. Might if the current cfpb lawsuit brining issues within the platform to light.Ive uses Zelle many times. Despite reporting an issue with the service my financial institution and Zelle failed to investigate my dispute properly.they told me recovering my lost funds would be impossible and tracking down the transactions was unreasonable. The cfpbs findings show that Zelle not only has failed to protect me as a consumer but allowed repeat offenders to exploit the system leaving accounts vulnerable to scammers.
Product: Checking or savings account

USAA Federal Savings Bank is illegally withholding access to my accounts and forcing me to answer survey questions in order to have access to my accounts. These questions include privacy-violating questions such as total net worth, annual income, foreign associations, etc ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX 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 an account without my written instructions.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

I made my XX/XX/XXXX payment to XXXX in XXXX and then receive a servicing transfer letter dated XX/XX/20 stating that XXXX will no longer be accepting my payments and to make payments to Ally. 
My concern is two fold, my XXXX payment was made prior to XXXX and XXXX, I understand the servicing transfer letter is to be issued 60 days before transferring to new lender, not 10 days after payment is due. They say I'm late and I actually pay early. 
Is Ally exempt from this law? 
What can be done to prevent this to others going forward?
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that there were hard inquiries on my credit report that are not mine.
Product: Credit card or prepaid card

Overcharged on late fees .would not close my account out once I paid it XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXXXXXX opened XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the above mentioned fraudulent items. I do not recognize the above mentioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Even after my initial complaint filing, I am still being wrongfully treated by Wells Fargo. For the past several months they have nothing but to make me jump through hoops, and even with my initial complain filing they still asked for the same documents over and over again and what 's the point of my relationship manager. I 've only spoken with XXXX XXXX a handful of times, and do n't recall anytime where he actually answered the phone, so I had to speak with several other people who, and again, as always had a different version of events, told me different things are needed, and gave me different advice. It 's like they are only going through the motions, and after months and months of more run-a-round, they declined my request for mortgage assistance because they claim my house was vacant!? This is 100 % false and impossible because at the time there was a Tenant in the property who was paying {$4000.00} per month. No one pays {$4000.00} per month and not live in a property. Wells Fargo knew this because they received copies of the rent check several times ... because they asked for it several times. This unfair denial caused the Tenant to become unformfotable and he vacated the property, causing me to move back into the property as my primary residence, and as required I inform Wells Fargo of any change of circumstances, ... and they did nothing but deny me! Are n't they supposed to work with me? Additionally, in the denial my income was calculated wrong. I brought both of these issues up to XXXX XXXX, who did n't care one bit. I was provided a 20 day appeal period and I appealed their decision and it was denied the same day! and when I ask why?, they will not provide me with a reason. XXXX XXXX just told me that it would take 5 days to close out the file and to re-applyI waited 5 days and reapplied. But the file was n't still closed internally. Apparenlty someone else needed to push a button to close the file, and it was n't until around XX/XX/2016 that someone finally pushed the button. My file was routed to the Wells Fargo reentry team, I was put on hold for about 20 minutes and when she came back, I was asked to send in items to prove my occupancy, and I did just that, and again ... it took them less than a day to deny me. This time I 'm denied because my loan is almost 3 years delinquent. Since when was this a provision of HAMP?, and it seems rather convenient that days before the HAMP deadline that Wells Fargo comes up with yet another excuse to give me the run-a-round. Clearly, they are just taking advantage of the expiring HAMP program to stick it to the homeowner once again!
Product: Checking or savings account

I have an existing savings account at marcus by goldman sachs. On XX/XX/XXXX, I tried to transfer funds from my marcus account to my own external checking account after finishing the external account linking process. The transfer was reversed and my account was blocked by marcus. i have no access to my account and have called marcus on a daily basis on how to resolve the matter. For over two weeks, no concrete solution was provided and people asked me to call back every other day without telling me what i should do and what happened. On XX/XX/XXXX, I was asked to filled out affidavit of identity form. I completed on XX/XX/XXXX and the tracking number has showed it was delivered on XX/XX/XXXX. Marcus by GS says they are reviewing and can not do anything to help. Their phone number verification has also problems ( verified XXXX threes and the forth day i call they said the number is not right and can not send the code ). It is been such a long time for me losing access to my account. The delayed transfer has caused large inconvenience and negative impact on my personal life. i need my funds urgently and want to unlock and complete the transfer of funds urgently ASAP.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX File XXXX Citi fraud team texted and call me about unauthorized fraud transactions and closed and replaced my XXXX account ending in XXXX Citi bank lied my card was lost or stolen where as some one from citi bank leaked my XXXX information to unauthorized person. 

Status Date Description Amount Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4.00} Cleared XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX XXXX   {$23.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  {$11.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX  {$79.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX   {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$79.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX   {$78.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX  {$77.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX {$75.00} Cleared XX/XX/2018 XXXX  XXXX XXXX XXXX XXXX XXXX   {$69.00} Cleared XX/XX/2018 XXXX 'S # XXXX XXXX XXXX {$21.00} Cleared XX/XX/2018 XXXX 'S # XXXX XXXX XXXX  {$20.00} Cleared XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}
Product: Credit reporting or other personal consumer reports

For the past 2 years my equifax credit report has been reflecting an old score and hasnt updated in 2 years. When I sign in all the information is gone and the error message is XXXX. 
Fast forward a year, I am trying to purchase a home as a first time homebuyer and my lenders can not pull my credit from equifax either. Ive sent them my drivers license and birth certificate twice so they can update my credit file and verify me ( next day air with tracking ) and it still hasnt been updated. Im about to be denied a loan for purchasing a home I need by XXXX because of equifaxs incompetence. 

This is unacceptable due to the fact that we dont contract with equifax for this, they automatically pull this information and in return ruin lives. The only way to get this resolved is via the mail and po box they provide. Ive sent the information several times and equifax refuses to accept that there is anything wrong with my credit file. If I cant see my own credit file and neither can the lenders, there is indeed a problem. Please help