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

The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
Lets examine Account Description showing Individual Metro 2 requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! 
Upon inspecting Creditor Remarks ( XXXX ) exhibiting ACCOUNT INFORMATION DISPUTED BY CONSUMER. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! 
Viewing Date Opened ( XXXX ) demonstrating XXXX. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? 
Upon inspecting High Balance ( XXXX ) exhibiting {$5400.00}. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information When I scrutinized Payment Status ( XXXX ) presenting CollectionOrChargeOff I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by Metro 2. If I can't trust what's in my credit report, then there is no point to having one at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report!
Product: Credit reporting

I had attempted to get my credit report and to dispute things on my credit that do not belong there or enter a description of my response. I was not allowed to obtain my free annual credit report, was notified to call an XXXX #. I have tried going directly to the Transunion website, whom I 'm having an issue with, and received the same message. Called the number they provided and was told to call a different number as my report was with the fraud unit. I called the Fraud Unit, so difficult to maneuver there phone system, tells you you can apply for credit report by entering your info and a report would be mailed to you, that does not solve my issue. I called the 1st number again and was told to just enter my case number when the recording started. Tried this and after a while was finally able to get through. I explained the above and he wanted to send me to the online issues department. That is not the issue, it lies with the fraud department, I am locked out of my report, except for using XXXX XXXX that is, have no problem getting in to my report that way, just still ca n't dispute anything. Had to explain this issue 3 TIMES for him to understand what I was saying and then just tells me he ca n't do anything. This is NOT OK, this is my credit report and I have a right to dispute or comment on any item on my report. They can not REPORT things when they could be from a malicious source. I am a victim of tax fraud and just recently found out that my home network has been compromised. I have not been diligent enough in the past to keep up what was being reported but now I want to take care of my credit report but I am locked out and am being told there is nothing I can do, except for give him the information I want to dispute over the phone, NO!!! I have no idea what he is going to be doing or typing on the other side or have the assurance that it will be handled exactly how I wish it to be done.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH, PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX # XXXX open XX/XX/XXXX Amt {$1100.00} XXXX  XXXX  XXXX XXXX open XX/XX/XXXX Amt {$250.00} XXXX & XXXX XXXX XXXX open XX/XX/XXXX Amt {$700.00} XXXX XXXX  # XXXX open XX/XX/XXXX Amt {$370.00}
Product: Credit card or prepaid card

Chase Card for XXXX This company sent me a card two years ago. I called and told them I have never applied for their card. They closed it right then. However, for the past two years every couple of months, I get a hit on my credit reports that Chase applied for credit in my name over and over. 

I call them and they tell me they will always deny credit due to the problem with the first issue of getting the card, and not to worry. 

However, nothing is being done to stop the credit runs every couple of months from this company. 

I have fraud alert on myself, but it is n't helping. XXXX  suggested I file a complaint. 

I am at my wits end.
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 XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.

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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXXXXXX & Account # XXXX XXXX have 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: Debt collection

I had a medical debt for under {$400.00} land in XXXX XXXX XXXX XXXX. They added {$100.00} to the medical bill. 3 years later the colection company summons me To court and added {$650.00} or so in lawyer fees. I attempted to approach the court but so many obstacles. I reached the collection agency and paid them {$220.00} for the medical debt owed. They sent me a letter with attempt to Default and were looking at garnishing my wages. Finally, I went to the office in person and settled for {$360.00} ( owed {$590.00} ) I made them Give me a written receipt and to lift and court judgements against me, I am furiating that this company charged me interest and lawyer fees on. Medical debt under {$300.00}. I can not afford this large payment but they gave me no choice or having to take it to court. Is this legal to add interest to medical bill?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with all 3 bureaus and still have not received anything from them. 
I understand it time to received things by mail but more then 30 days is not acceptable. 
They say they will send results within 30 days then that what they should do.
Product: Mortgage

Me. Cooper took me off the COVID related forbearance plan early. I have been on the plan for about 10 months only. called them to put me back on the plan since I still have at least three months. I called three times and they always say they will do it but they dont. My payment due date is quickly approaching and is due on the XXXX of XXXX. I called them the first week of XXXX, mid month, and again today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, as well as XXXX XXXX XXXX account number # XXXX, XXXX XXXXXXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX account number # XXXX, XXXX XXXX account number # XXXX XXXX XXXX account number # XXXX & # XXXX has violated my rights 15 U.S.C 1681 section 602. A states that I have the right to privacy 15 U.S.C 1681 section 604. A section 2 it also states a consumer reporting agency can to furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian credit monitoring agency 1. Not correcting information 2. Lengthy responses 3. Late removals 4. Not investigating and or removing potentially negative information
Product: Money transfer, virtual currency, or money service

I opened a Venmo account in XXXX. It was only opened for about a week and Venmo restricted my account has been holding {$100.00} on my account since XXXX and will not say why or give me my money. I am a single mother of XX/XX/XXXXchildren, going to school to become a XXXX  and it is very hard doing this by myself. I need every XXXX  I work for and receive. I don't understand how banks and business are allowed to just take someone's money and give them no reason as to why. I have tried over and over to speak with Venmo and get some type of answers but none is ever given to me. I followed every single one of their policies and it is sinister that our government allows business like this to stay open. They are stealing for single mothers and hard working people and nothin is done about it. Yet if my children were hungry and I stole some meat from the grocery store to feed them I would be taken to jail. I desperately need that money right now.There are days when I don't eat because I only have enough to feed my children yet I have {$100.00} in my Venmo account that I can't touch because Venmo thinks they can do whatever they want with my money and the government allows them too. I am not the only one having this problem because I researched it. How can you people keep allowing this to happen? I'm so frustrated right now. They freeze accounts use our money as they please and. give it back when they have it to pay back. This is hurtful in so many ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a email Alert notifying me my charge card was recently declined in the amount of {$360.00}. 

I called. Per XXXX XXXX charge was submitted 2nd time and was approved by XXXX XX/XX/XXXX, XXXX  Police Department send email saying Report was approved and I received XXXX Police Department Summary Incident Report # XXXX XX/XX/XXXX, I went online to Experian to request a Security Freeze be added to my credit file, tried to enter info required ; but the Experian website would not accept my info. 

XX/XX/XXXX, I prepared a detailed letter with info ( attachments ) that  Experian required and sent my envelope to Experian by USPS Certified Mail. Items sent were the following : 1. Letter ( detailed ) 2. XXXX Police Department Report # XXXX 3. State of California Driver 's License ( copy ) 4. XXXX Homeowners Policy ( copy ) XX/XX/XXXX, I received an email from Experian which said : We received the copy of the identity report that you provided ; however, in order to process your request to block information in your personal credit report due to identity theft, we need additional information. Please provide : 1. all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency ( I provided to Experian what the XXXX Police Department emailed to me ) ... 

2. Also, I included ( in letter ) my full name including initial, my social security number, my complete addresses for the past two years ( I've lived in my home 20+ years ), date of birth, one copy of a government identification card, such as a driver 's license, state ID card, etc. ( driver 's license ), one copy of a utility bill, bank or insurance statement etc. ( XXXX Homeowners Policy ).
Product: Credit card or prepaid card

I noticed fraudulent opened account on my Experian credit report. I filed police report and FTC identity theft report to dispute this account and remove from my credit report by Experian. I am asking to block this fraudulent account with valid supportive documents and by law FCRA 605 ( B ) which I have right to as a consumer. After submitting my documents Experian credit bureau representatives keep saying only statements " we follow guidelines '' but not even taking more time to documents that is immensivele will help me to resolve my problem. I kindly request to delete XXXX XXXX account as it is result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months
Product: Credit reporting or other personal consumer reports

disputed account to a third party debt collector using code 15 USC CODE 1692g 15 USC CODE 1681S-2 15 USC CODE 1666b
Product: Bank account or service

I opened a New CitiGold Checking Account online http : //www.offer.citibank.com/ with a promotional code XXXX for a bonus offer. The bonuses offered XXXX AAdvantage bonus miles in exchange for opening a CitiGold account and set up a bill payment for at least 2 consecutive months, and make at least {$1000.00} in debit card purchases. 
I called Citigold right after I applied the account on XXXX/XXXX/2016 to ensure that I am eligible for receiving the XXXX AAdvantage bonus miles, I confirmed with a representative from Citi that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements XXXX/XXXX/2016. I was asked to provide my XXXX XXXX account number to Citi so they would be able to credit the miles. 
When the miles had not posted a few days after the XXXX, 2016 statement, on XXXX/XXXX/2016, I called Citi to follow up on receiving my miles, The Citigold representative confirmed that I had indeed completed all requirements associated with the aforementioned promotion code, and that, per the terms and conditions of the offer, I would receive the miles 90 days from the end of the statement cycle in which the requirements were completed. 
However I was then informed by Citi on XXXX/XXXX/2016 that I was not eligible for the promotion since " There was not a promotion offered in conjunction with the opening of your account '' ( see attachment ). 
As stated above, I met Citi 's requirements and was eligible for the promotion as I was adhering to their terms and conditions for the promotion. I do not appreciate their continued willful denial of these terms, and their refusal to award me the points I have earned, all while I still keep an outstanding balance in Citigold account per their request to avoid the monthly fee. 
This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. 
I am a consumer who has been a good customer of theirs and has never missed payment on any of my services with them. Their denial of this promotion to me, despite their own employees confirming I was eligible prior, feels like a bait and switch tactic. I am turning to the CFPB as I feel I have no other resources. Thank you.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I would like to bring to your attention that my information was used while I was incarcerated. I see accounts on my report that I did not authorize at all. Please see attached documentation.
Product: Debt collection

On XX/XX/2021 my banking account was compromised. The hacker had taken all of the money in our savings account and transferred it to our checking in hopes of being able to use it. Fortunately, I noticed the transaction on Sunday, XX/XX/XXXX. I called the bank immediately and they transferred my funds back to savings and put a hold on my accounts. The hacker had already tried placing an electronic transfer to the company called XXXX XXXX on XX/XX/XXXX but because it was the weekend, it didnt attempt to clear until Monday, XX/XX/XXXX. The transfer had been declined because I had XXXX XXXX put a hold on all of my accounts. Now I have a company called TRS services contacting me about a debt that I owe to XXXX XXXX. I will attach all three letters I have recieved. I dont have an account with XXXX XXXX and I tried to contact them and ask them to clarify that but they were no help. They dont even have a contact number to speak with someone over the phone. I really have no idea how the business works. I dont owe the company anything. My bank account was used by another person.
Product: Credit reporting or other personal consumer reports

as referenced in XXXXXXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.