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 , FTC and my Attorney General. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting

On or about XXXX XXXX, XXXX I disputed items on my Experian Credit report ( XXXX and XXXX was to be next ). The items are XXXX XXXX XXXX 's reporting of two tradelines that are duplicated, both containing truncated account numbers that I 've never possessed. I specifically disputed the duplication and the account balance of {$8000.00}. 
In in re : XXXX, Chapter XXXX file XXXX XXXX, XXXX in the XXXX XXXX of XXXX. I was domiciled in XXXX however, I was and remained a resident of XXXX and XXXX exemptions were found not to apply in favor of XXXX. Therefore, Mississippi statutes were found to apply. I later returned to XXXX. Statute of Limitations ( XXXX XXXX When statute commences to run on open accounts ) ran on any alleged debts on or about XXXX XXXX, XXXX. XXXX also has a statute of repose ( XXXX XXXX. Completion of limitation extinguishes right ). During the stay, XXXX XXXX XXXX sold the alleged account to XXXX who forgave the alleged amount ( XXXX XXXX XXXX - having problem finding this document ; hence statute of limitations ). First noticed in XXXX XXXX, XXXX XXXX XXXX reported account tradeline and " Discharge in Bankruptcy, Bankruptcy Dismissed '' with a " XXXX '' balance. I have never seen XXXX XXXX XXXX 's tradeline but there was collection activity. Date of last activity was XXXX XXXX on XXXX XXXX XXXX 's tradeline. 

Beginning in XXXX XXXX, I sought to refinance my house. On or about XXXX XXXX, XXXX, XXXX XXXX XXXX reported to all XXXX credit reporting agencies with Experian reporting two tradelines with account numbers that I never possessed using a controversial debt collection technique known as " parking a debt '' ( and found to be a violation of the FDCPA by several courts ) This foreclosed the possibility of refinancing my house and has cost me thousands of dollars in savings over the course of my mortgage. 

As mentioned above, on or about XXXX XXXX, XXXX I disputed the two tradelines with Experian. On XXXX XXXX, XXXX they completed their re-investigation and doubled down on the amounts owed on both tradelines that is clearly a duplication with the amount owed as {$8000.00} or a total of {$16000.00} of alleged debt with two account numbers reported that I 've never had with XXXX XXXX XXXX. My credit scores ( reported by XXXX XXXX ) dropped from XXXX on XXXX XXXX, XXXX to XXXX today ( XXXX XXXX, XXXX ). There are two dates of last activity on the differing accounts with the same amount owed. XXXX XXXX XXXX and Experian are in violation of many federal laws ( FCRA, FDCPA ) and XXXX Law and now XXXX. However the cost of hiring an attorney and prosecuting a case is ridiculously high for two financial companies in which this is " normal business. ''
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about XXXX handling of disputes, especially in light of the recent CFPB lawsuit that underscores significant issues with the platform. Despite being a frequent user of Zelle and reporting discrepancies in my transactions, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has not only failed to safeguard consumers but has also permitted repeat offenders to exploit the system, leaving users exposed to scams.
Product: Credit reporting

XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Experian disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.
Product: Debt collection

on XX/XX/2020 I have Called chexsystem to follow up on a dispute i have made with them due to being a victim of identity theft. The representative said " please hold while i listen to the last call recorded with the previous representative '' because they didnt see a dispute filed. The representative then came back on the phone and apologized and said " Ms . XXXX you did call back in XXXX and the last person you spoke with did not put in the request as you requested ''. I said this is a serious Violation! under the FCRA this must be removed because i have a right to dispute anything inaccurate or doesn't belong too me! They did not remove it they violated the FCRA. This Must be removed and now they want to file a dispute as of XX/XX/2020 knowing it suppose to been disputed and they never touched it and they said they did.. Please removed this from my credit report. They have violated The statue of limitation.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a long term customer with Capital One. I have a secured card that I have had exceptional payment history with. The card still isn't secured, and Capital One sent solicitation for an unsecured card. I applied and was denied for a false reason. I called and requested a reconsideration and spent about 20-30 minutes with the agent explaining my situation. She stated that *she would have the back office manually review the application and to wait about 5-7 business days*. Just minutes later, I receive a denial reason for the exact same information. 

I also sent correspondence to the executive office. I was told by a case manager *I will have your secured card reviewed manually*. I was called the next day and was told that there was nothing they could do. 

I have not been treated fairly or correctly at Capital One, and their support process is shameful. I feel as though I have a " flag '' because of my situation, and that I'll never graduate this card or receive an actual reconsideration. Another case manager called me today and said " reconsiderations are not manually reviewed, it's done by the system '', and then said later " yes, they manually review the application but the decision is still being due to your credit report ''. 

I've asked for information for mailing or emailing correspondence from my attorney due to the discrimination factors and lack of truth in these matters, and the company has refused to provide it, and stated, " we don't have a legal department ''. 

I will have anyone and everyone avoid this company for their lack of customer advocacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions
Product: Checking or savings account

I have Power of Attorney for my XXXX XXXX XXXX mother. KeyBank refuses to acknowledge it or return my phone calls.
Product: Debt collection

REPEATED PHONE CALLS DURING WORKING HOURS. CALLING 3 TIMES WITHIN XXXX MINUTES.
Product: Credit reporting or other personal consumer reports

I have made multiple written requests to XXXX, Equifax, and XXXX XXXX to correct and/or remove mistaken name, address, and other identification information. Each the foregoing, however, appear to either partially address requests or introduce alternate mistaken information in subsequent mailings/reports/communications. 

The concern is that intentionally mistaken/defective variations of my identity and/or address result from the mistaken information notwithstanding my repeated attempts to ensure that all information is correct. 

I have provided clear, legible, copies of my Social Security Card and Virginia drivers license confirming my full name, suffix, and physical address, yet I continue to receive correspondence/report related materials reflecting mistaken variations. 

I never authorize the omission of my suffix from my full name ( or the variation of the appearance of my suffix ), and I do not authorize the suggestion of alternate addresses/sub-addresses/intentionally defective addresses. 

In 2023 and again this year I received fraudulent 1095-B forms pairing my name with a mistaken Social Security Number. The concern is that these forms are partly attributable to the defective identification information maintained by XXXX, Equifax, and XXXX XXXX without my consent ( and in spite of my repeated written attempts to provide correct information ). 

I am attaching an example of XXXX of multiple written attempts to correct all identification information maintained by Equifax, XXXX, and XXXX XXXX.
Product: Checking or savings account

XXXX  XXXX XXXX closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts. XXXX  XXXX XXXX have violated the truth in lending act, Regulation x, y and z. They have violated 31 cfr 357, and the gramm-leach- bliley act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. This account is also insured by FDIC and according to the FDIC rules a consumber must opt-in to overdraft protection. These accounts have been open for a few years and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accountable for all of the fraud and deceptive practices they are involved it. they have violated my rights, and my privacy without my written expressed consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was traded in at the end of the lease on XX/XX/2021 and the dealership who took the trade-in paid off my vehicle within the time XXXX XXXX XXXX provided yet XXXX XXXX XXXX XXXX still reported XXXX  day delinquent on my account!
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Request for Sharing Nonpublic Personal Information ( NPI ) Dear XXXX  XXXX, I am writing to formally request that my Nonpublic Personal Information ( NPI ) not be shared with any third parties, except where legally required. This request is made in accordance with my rights under federal and state privacy laws, including the XXXX XXXX ( XXXX ). 

Specifically, I opt out of sharing my NPI with the following entities, except as legally mandated : Debt XXXX Entities hired to collect on accounts. 
XXXX XXXX XXXX ( CRAs ) Such as Equifax, XXXX, and XXXX. 
Service Providers Vendors providing operational or administrative services. 
Affiliated Companies Any subsidiaries or affiliates within your corporate structure. 
XXXX Firms Agencies conducting promotional activities. 
Investors or Purchasers of Securitized Debts Entities acquiring accounts via securitization. 
XXXX or XXXX XXXX XXXX in debt-related legal matters. 
Government Agencies For purposes beyond legal mandates. 
I also want to note that I have not received the initial or annual XXXX privacy notices required under the GLBA. Please provide these notices immediately to ensure transparency regarding your data-sharing policies and practices. 

I request written confirmation that my opt-out request has been processed and assurance that my XXXX will XXXX longer be shared with third parties. If I find that my information has been improperly shared, I will take appropriate steps to protect my privacy. 

Thank you for addressing this matter promptly. I look forward to your confirmation within XXXX  days. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a name that i have never went by and the name is XXXX XXXX XXXX and the correct name that should be on file is XXXX XXXX XXXX and the incorrect should be taken off of my record and all the account that have the last name of XXXX should be taken off of my record please and thank you.
Product: Money transfer, virtual currency, or money service

My daughter sent me {$1000.00} she owed me through Venmo on XX/XX/21. I set up an acct. on their site with XXXX of my debit cards to transfer the money. When I went in to do the transfer it was locked so I tried entering the bank acct the cards are attached to but Venmo wouldn't let me. I've called their customer service multiple times every day. I've had to send them a picture of my drivers license, copy of bank statement and even had a rep from the bank talk to them. I sent them a letter from my bank verifying the acct. and they still won't release the money. You can't talk to anyone from the dept that fixes the issues only email but they don't respond. I've emailed the service dept 10 times .I 've talked to customer service 5-6 times and supervision 3 times but all they do is raise the priority for the tech dept. My wife and I are both XXXX VETs living on a fixed income and need this money ASAP.
Product: Credit card

In our CPFB correspondences XXXX and XXXX, your company repeatedly claimed that I cancelled the card before the points became available, which is why you could n't give me those points. 

This is not true. 

The points were available when I cancelled the card ( see attached screenshot from XX/XX/XXXX, showing points still being available ). Consistent precedent during my 5 year relationship with Amex and per terms and conditions, already available points do not get taken away on cancellation ( unless there is fraud or returns, which is not the case here ). These points were clearly available as you can see from attached. 

Second, in our correspondence you also mentioned a 6 to 8 weeks review. However, these points were earned on XX/XX/XXXX, and taken away on XX/XX/XXXX, well beyond the 6 to 8 weeks mark. So the review is not the issue here. 

What 's more, if the review showed some issue with spending ( either before or after my card cancellation ), then the miles related to that spending should 've been taken away also ( they were not ). Clearly there was no issue with the spending review, since those miles did not get taken away, only the welcome bonus which again, was already available. 

I understand the XXXX bonus link got public on your end, but that 's not my fault. Your company should honor the terms and conditions of cancellation. Lets resolve this amicably instead of making the process expensive claim notices, third party arbitration and so on.
Product: Credit card

I started a BOA XXXX signature account in XX/XX/year> and made some purchased my very first month. I made my first monthly payment of {$35.00} on XX/XX/XXXX and around the same time called BOA to setup an auto payment. I was told by the rep that this would be done. Months later I received a phone call asking to verify my identity and account information, I was suspicious of who was calling and and told them to write to me. Around XXXX of XXXX I find out that BOA has reported my late. When I called BOA to find out what was going on, the rep on the phone told me that payments were over due and auto pay had not been setup. The rep also acknowledged that I was " misled '' by the prior rep into believing that auto pay would be setup, whereas in actuality BOA can not setup auto pays on the phone. The rep also said that because this was BOA 's error, the rep would put in a request to BOA 's internal depts to remove the late payments. Unfortunately some time later, BOA responded back and said I was the person at fault and the late would not be removed.
Product: Checking or savings account

Currently my husband and I hold a lot of accounts with USAA Bank. We opened several youth checking accounts but were never told about their secret policy that they have. Back in XX/XX/2021 my husbands XXXX XXXX XXXX called USAA to request a debit card be sent to his address. ( He lives with his mom ). His mom took over the phone call and verified her sons information. She then was able to have a debit card sent to her physical address and on XX/XX/2021 she went and spent all the money in her sons account for herself even though she didn't open this account and is NOT an account holder. USAA never contacted my husband or I that a new debit card has been issued or that the XXXX XXXX XXXX had called in. According to them any child ages XXXX are account holders and as long as they can call in customer service and give permission to a " legal '' guardian than that said guardian can them make changes to the account including ordering a debit card, having it shipped to a different address than on file and are able to access the funds in the account. They are treated as an account holder even though they are NOT an actual account holder. This is not listed in the terms and conditions or disclosures. If we were told that a biological parent could become an account holder by the say so of a minor we never would have opened these accounts. I asked for documentation that states that is a policy and they said that they cant not provide that to us. So basically money that does not belong to you can become yours as long you can get a minor to say you are there legal guardian and have the DOB or SSN information.
Product: Credit reporting or other personal consumer reports

My credit score is open and accessible to the public and I dont want that. The credit agencies namely ; XXXX, Experian, FICO and XXXX all make my information accessible to insurance agencies etc. 
This has affected my credit score dramatically and reduced my score.
Product: Money transfer, virtual currency, or money service

Albert app took an unauthorized XXXX $ from my bank account that is connected to another bank. I did not make this transfer nor did I request or even subscribed to anything. The money is also not even in the Albert account I have with them.
Product: Credit card or prepaid card

For more than 6 years I have a Freeze on my credit report and on XX/XX/2021 I placed a Fraud alert in all the credit report companies as well as banks. The Thief that stole my identity locked my XXXX, XXXX, amazon, XXXX email ; he or she changed all my two-way verifications and the recover a count information. He even used a debit card account ending in XXXX with XXXX to lock the account. I have reported all this activity and NEVER taught that the credit bureaus fraud alert, freeze alerts can be changed so easy by a Thief, but you all are giving me a hard time. In XXXX my wife and me were trying to log into the XXXX account and noticed all my info was changed and I was locked out of it. I was trying to make payments on all my credit cards, and I could not access them. I immediately contacted all the credit cards and mail them the prove they asked for to prove I am who I am in XX/XX/XXXX while I was at my daughters graduation my wife received an alert that my email information and 2-way verification as well as the recovery information was changed. The following information which is NOT MINE but has been used by the THIEF : email : XXXX, XXXX @ XXXX ( at XXXX ), XXXX ; the following phone numbers are being used : XXXX, XXXX, XXXX ; the following mailing address has been used ; XXXX XXXX XXXX XXXX XXXX , Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have NEVER lived in XXXX XXXX, Texas. Last thing they did is they charged {$3.00}, XXXX at Amazon and used my bank account that was on XX/XX/2021. I have NEVER bought more than {$200.00} at once in Amazon in my life. I have been trying to close XXXX, amazon, XXXX and the companies said they must investigate first in the meantime the Thief is having a party at my expense. I just noticed you all have unfrozen my credit, took away the fraud alerts and I HAVE NOT AUTHORIZED any of this!!! I was trying to change my email address when I noticed I can not do so because the THIEF has changed everything to his/her information. NICE!!! Today I received a letter that I am responsible for {$3100.00} of goods from Amazon that I NEVER ordered or received and which I reported immediately that my identity was stolen. Even worst I have called numerous times to Synchrony Bank and proved my identity over and over ( my address ) the thief call and changes my address again and again. Whoever knows someone at XXXX XXXX XXXX in XXXX XXXX, Texas XXXX, please report the people to the police as they are THIEVES!
Product: Credit reporting or other personal consumer reports

I have a printed copy of my most recent payment receipt. See attachment :