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

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

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

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

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

On the morning of XX/XX/2020, I logged into my XXXX XXXX checking account to check my balance and my online transaction history. There was a " pending '' charge that I didn't recognize : a debit of {$100.00}, listed under " MONEYGRAM US, XXXX, TX, US. '' This was suspicious for a number of reasons. First and foremost, I *never* use MONEYGRAM, and I certainly didn't authorize the transaction. Secondly, the posting time of the transfer was listed as XXXXXXXX XXXX.a time when I was in bed. And thirdly, there was an email in my in-box, sent at XXXX XXXX the same day, welcoming me as a new member to something called MoneyGram XXXXXXXX XXXX.  I assume MoneyGram had signed me up for some loyalty program without my consent and was charging me for the service. 

So I called MoneyGram. I was on hold for 60 minutes. I spoke to two different customer support specialists. Neither had any explanation for the charge, nor of the email. They told me that I had no account with MoneyGram at all. So they " escalated '' the complaint to a manager. The manager who I spoke to was incredibly rude. He said that, since I did not have a " reference number '' for the transactionwhich again, I never authorizedthat there was no way he could investigate what happened. He flat-out simply refused to help. I asked if he was saying the transaction was a scam, and he would not answer. He ultimately hung up on me. 

I called my bank, hoping to dispute the transaction. XXXX XXXX  told me that this was very worrisome, as the fraudulent charge was an ACH transfermeaning the scammer somehow had my routing and account number. XXXX also told me that MoneyGram should have been able to track down the transaction, using the routing and account numbers from the checking account. Clearly, the MoneyGram manager had a solution at his disposal and simply refused to help. 

Long story short, I had to place a " freeze '' on my checking account while I wait for this fraudulent pending charge to post. At this point, the bank says, I can officially contest the charge. My bank was shocked that MoneyGram could shed no light on this situation. 

I suspect MoneyGram is at fault here. As they are implicated in so many scams, it's shameful that they do not have a customer service protocol for helping victims. 

I need MoneyGram to refund this fraudulent transfer of {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. 

XXXX, XXXX, Transunion and their executive branch, the XXXX XXXX XXXX XXXX, which allows them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an industry cartel, which is exactly what they are - a criminal cartel. 

How XXXX  XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least three or four times across the three plus CRAs. 

This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous PR campaign. 

WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by XXXX. Or XXXX. 

I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. 

So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. 

Then, the CRAs refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. 

This criminal cartel must be SHUT DOWN!!
Product: Credit reporting or other personal consumer reports

Inquiries made on report from companies that I am not aware of and its impacting my credit profile. I need these inquiries removed as I have filed and Identify Theft report with Identitytheft.gov
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.

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.

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.

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

XXXX XXXX a fraud account I have the FTC report filled out my information was stolen thru data breach I have all documentation to show prof I would like that account that dont belong to me to be removed
Product: Credit card or prepaid card

On XXXX XXXX, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. XXXX XXXX XXXX accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various disputes over time with this agency regarding accounts that are frivolous or are showing inaccurate information. However, upon submitting the disputes with the agency, 3-4 weeks later, I receive a letter with my credit report and the investigation results. They come back verified as reported. I know by law, that the accounts in question can not be verified because these companies do not possess a signed contract or have a document such as a copy of my drivers license or social security card attaching me to the accounts in question. Therefore I sent debt validation letters to the creditors or collection companies. Within 30 days, I received nothing back or a statement outlying balances of what is owed. According to FCRA under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ), the agencies must provide documents proving their method of verification. I have sent at 4 letters requesting documents and I have not received any response in accordance to my request. Listed below are the accounts in question that are on my credit report that should be deleted due to inaccurate information, that by law is an unverifiable account. 

XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX XXXX Unverifiable Acct XXXX XXXX XXXX XXXX  Unverifiable Acct.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepted unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided, causing on going harm to my credit standing. i am requesting immediate corrective action to remove or amend disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

For several years I have had numerous XXXX  companies trying to sue me for back rent. I have lived in the same house with my parents since I was a child until after I graduated college. I have tried to dispute numerous time but with no avail - after learning about the XXXX XXXX breach that occurred some years ago I now believe I may have been a victim of this breach. Per Section 6 0 5b this account should be removed within XXXX days
Product: Credit reporting, credit repair services, or other personal consumer reports

I never attended XXXX XXXX XXXX. I graduated in 2018 from somewhere else. I never went back to college. I think this was listed as a prospective school but I never attended here.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with the 3 major credit reporting agencies inwhom is reporting unverified information inwhich has not been certified and physically verified but instead the 3 major credit reporting agencies has relied on electronic Verification inwhich by law can not be used as vertification. In addition the credit reporting agencies has caused great harm to me as a consumer and others alike as well by continuing to use outdated technology inwhich is contributing to the spread of misinformation. In concert with the FCRA I'm demanding the following unauthorized accounts be blocked/ removed / deleted from my credit file immediately. 

1 ) XXXX {$550.00} 2 ) XXXXXXXX XXXX {$690.00} 3 )  XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$270.00} 5 ) XXXXXXXX XXXX XXXX {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX or XXXX of XXXX  I was removed as an authorized user from the following company Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX On my credit report it's showing as a {$0.00} balance as it should, because I'm no longer responsible for this card, the original owner is. Today on XX/XX/2023 I was checking my XXXX XXXX account and my score decreased over XXXX points because the person responsible for the account is no longer making their payments on time. I shouldn't be held responsible for an account I'm not an authorized user on. I submitted a dispute, I have yet to hear back from the company. I'm in the process of purchasing a house and they have ruined those chances because of this ERROR! XXXX should be held responsible for this error, it's not fair to me, a consumer to suffer the down fall of someone else 's mistakes/actions.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a paid collection account that remains on my credit report despite the unfair and aggressive collection practices I experienced. The details of the account are as follows : XXXX XXXX : ProCollect , INC Date Paid in Full : XX/XX/year> While I take full responsibility for resolving my financial obligations, I believe this account should be removed from my credit report based on the following : Pattern of Harassment & Potential FDCPA Violations During the collection process, I was subjected to excessive and intrusive phone calls, often more than twice a day, in clear violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692d ). These repeated calls were unwarranted and caused unnecessary distress. I am requesting a formal investigation into these collection tactics. 
Unfair Credit Reporting Consequences Despite fulfilling my financial obligation, the account remains on my credit report, unfairly impacting my ability to obtain credit, housing, and financial stability. Given the aggressive nature of the collection attempts, I do not believe this should be a lasting mark on my credit. 
Misrepresentation & Lack of Transparency At the time of payment, I was under the impression that resolving the debt would result in the removal of this account from my report. Many agencies offer pay-for-delete options, and I believe I was misled regarding the long-term effects of paying this debt. 
Request for Fair Resolution Considering the questionable practices used in attempting to collect this debt, I respectfully request that this account be removed in its entirety. Given my good-faith effort in resolving this matter, I believe it is a reasonable request. 
I urge the CFPB to investigate this issue and take appropriate action. I would appreciate confirmation once a resolution has been reached. Thank you for your time and consideration.
Product: Checking or savings account

Someone has been using my information since XX/XX/XXXX to open fraudulent bank accounts in my name. In XX/XX/XXXX I placed fraud alerts on my Credit Reports and on my XXXX Report. In spite of these alerts however, I was made aware of an additional checking and savings account opened on XX/XX/XXXX at XXXX. They should not have been able or willing to open any accounts without checking my XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , IA  XXXX  (  XXXX  )  XXXX  Put a hard credit inquiry on my history without my permission I was not looking for auto loans just wanted to buy a used car no loan.
Product: Debt collection

I currently owe the company {$170.00}. This initially started because the lender said my payment was late and there was no record from the bank that a payment was attempted. I disputed this with the company and they took almost a week to respond to me. This caused me to also block a transactions from them by my bank because no one at the company could tell me when the payment was attempted from my account. I agreed to pay but things transpired and could not. Quite frankly, their lack of communication was egregious. I have been sent several messages in which the representative has stated they are a lawyer for the company and they will put a lien on my property. I asked to speak with the attorney and for them to send a letter and they have not. There is no number to call and they only contact you via email. I have asked them to stop sending me threatening emails as it violates the fair debt collection practices and they have not. I have paid {$50.00} towards this debt and intend to pay the rest. However, I will not continue to be harassed in the manner in which I am being harassed. One of their emails even states my credit score will drop by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud regarding accounts with XXXX XXXX XXXX XXXX Collectibles Management Resource. I was sold a motorcycle that was stolen. XXXX XXXX XXXX allowed a stolen vehicle to be finance. The lack of security and verification from operating XXXX XXXX cost me financial burden. Now my credit is impacting me financially and emotionally from this. I filed a police report and complied with all parties during the incident. Please delete this negative reporting from my credit asap. The police report number is : XXXX
Product: Checking or savings account

XX/XX/2022, our daughter, who is XXXX, took her XXXX XXXX XXXX to the XXXX XXXX XXXX. She won XXXX XXXX and received the record for winning the most earnings at the fair for market rabbits. 

~ We are overjoyed for this huge accomplishment and extremely proud of her. 

~ We are thankful for the support from XXXX XXXX and XXXX XXXX for purchasing her market rabbits and for being so kind to her!!! 

~ We are thankful for the XXXX XXXX XXXX XXXX for creating such an awesome space of our XXXX kids each and every year. 

~ And we are thankful for XXXXXXXX XXXX for partnering with the XXXX XXXX XXXX XXXX year after year. 

When we received our daughters check XX/XX/2022, which was for {$4000.00}, we deposited her check into her savings account. Unfortunately, Chase Bank put her check on hold and claimed it was fraud. 

Immediately, my husband ( who has worked at a bank for many years ) called the bank and talked to many different people about why her check was on hold. They questioned my husband why a XXXX XXXX XXXX would receive a check for a large amount and they claimed the check we deposited was fake. My husband spent hours on the phone with the fraud department and explained what XXXX was and why our daughters check was for a large amount. He, then, called our XXXX advisor to let her know whats going on and she called the people who signed our daughters check. The next day he went into the bank in XXXX to talk to the supervisor and a member of the XXXX XXXX XXXX XXXX met him there so that they could prove that the check was legit. The supervisor questioned the board member and made her show proof she was who she said she was which is okay but unfortunately, the proof she showed still wasnt good enough. Sadly, Chase Bank in XXXX treated us like criminals and told my husband that they needed to talk to the person on the account. My husband said no you dontshes XXXX and her account is attached to our accounts bc we are her parents. They said they would review this situation and within 24 hours they would let us know what they would do with her check and savings account. At the end of the conversation, they said we are sorry for your inconvenience! After all of the proof we gave them that her check was legit, they ended up closing her account and we are still waiting to receive the funds from the bank. Even though her check was deposited and within a day the check cleared the XXXX account, they still felt that we deposited a bad check. 

We are so mad!!! We have never and would never do anything like this. If you work for XXXX XXXX XXXX XXXX XXXX XXXX, or the XXXX XXXX XXXX XXXX, please let Chase Bank in XXXX know how wrong they are. We truly hope they would change their decision and they dont treat anyone else the same. 

We have been banking with Chase for almost 15 years and have never ever deposited any bad checks. We have been nothing but loyal and faithful customers to them. As our XXXX children have gotten older, we were excited to open up their own student savings accounts. But, after all these years, we cant believe they are treating us so poorly.
Product: Debt collection

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.