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

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$360.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection {$500.00} XXXX XXXX Collection {$500.00} XXXX XXXX Charge-off {$1300.00} XXXX XXXX Charge-off {$9200.00}
Product: Credit reporting

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX Date XXXX/XXXX/XXXX Dear Experian Re : Inquires According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 
Thank you for your time, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was issued a Discover Card with a credit limit of {$8000.00}. I tried to make a purchase for my daughter 's XXXX birthday through XXXX XXXX to find that my card was declined. I immediately called the company who then told me they lowered my limit due to recent inquiries on my account. First of all I did not give them the right to monitor my account monthly. Secondly I am a homeowner shopping around for refinance loans in order to make upgrades to my home. These inquiries should serve no bearing on my credit limit as it's in no way relevant. Thirdly I have made all of my payments to Discover Card on time. I believe I have been discriminated against for a numerous amount of reasons inclusive of my race. To add insult to injury, my score has and will drop based on this decrease as now it papers I've maxed my card out which may result on failure f me obtaining the loan I've been working on which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name of Company : XXXX Name of account : XXXX CARD Account # : XXXX I asked the credit bureaus to do a verification of everything on my credit report, which they stated that they verified/updated the information. I did my own research and have still found improper inaccuracies on my credit report even after they stated the information is verified/updated. 

The dispute letter I sent to the credit bureaus on XXXX/XXXX/22, which I have the XXXX receipts for. They sent me back the response on XXXX/XXXX/22. 

The inaccuracies are in Date opened and Date last active, all showing different information, even after their investigation. Even the high credit and credit limit portions are showing differing information. 

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX under the account number XXXX XXXX XXXX XXXX XXXX XXXX  under the account number ( XXXX ) and XXXX under the account number ( XXXXXXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer FICO credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX XXXX ( Original Creditor : 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, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX 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 XXXX XXXX, # XXXX /XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, 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.

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Product: Checking or savings account

My account was referred for closure XX/XX/21 I was told it would be 60 days or less via chat and a check would be mailed for whats in my account. However last time I called they could give me no answers and stated that they would be disconnecting the call and hung up. He said this when I told him my account was being referred to be closed on XX/XX/21. When I check in XXXX a rep on chat told me I should be expecting a check early XXXX at the latest. When I spoke to the gentleman today who hung up on me he said account is being referred for closure you can expect a check in 60 days when I questioned its almost been 60 days and nothing again hung up on. Ive verified my identity account # that there was no suspicious activity on the account being referred for closure. I just want some clear answers. My friend who is an attorney assistant suggested I get a pro bono attorney to get some answers. I dont I understand why I would need to do that. Ive filed a complaint with you all before after this happened and there response was 60 days from the referral to be closed I could expect a check at the address on file. And clearly nothing and no answers. 

Citibanks previous response to my last claim should be on file with you all as well. I have attached screen shots of the texts as well.
Product: Debt collection

The collection account has been sent 2 times to the credit reporting agencies on purpose after I sent a letter to GRANT MERCANTILE AGENCY for them to stop harassing me. Additionally, HIPAA and State of California Medical Privacy Statutes further protect my protected health information, GRANT MERCANTILE AGENCY is in violation. Ive asked GRANT MERCANTILE AGENCY to close and remove this account, instead, they opened another false account and are practicing extortion techniques. 

GRANT MERCANTILE AGENCY has opened first account XX/XX/XXXX in an amount of {$3700.00}. Now GRANT MERCANTILE AGENCY has created a bogus account on XX/XX/XXXX in an amount {$3700.00}. Now the total debt looks like I have {$7400.00}. GRANT MERCANTILE AGENCY is a SCAMMER. 

On XX/XX/XXXX Ive requested the following from GRANT MERCANTILE AGENCY : 1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your non-affiliated third-party companies, partners or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. 
2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours.

b. Do not disclose any information about me in connection with marketing agreements between you and any other company. 

GRANT MERCANTILE AGENCY still continues collection attempts but is doing so through extortion by sending the same debt to credit reporting agencies so it appears I owe thousands more than the original amount, GRANT MERCANTILE AGENCY is sending bogus duplicate information in order to continue their extortion practices and explicitly violated the Fair Debt Collection Practices Act, the Fair Credit Reporting Act along with HIPAA and several other state and local regulations.

I ask your help to investigate GRANT MERCANTILE AGENCY. This business is malicious and does not comply with the California law. 

Thank you
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX & XXXX will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate : CREDITORS NAME : XXXX XXXX XXXX XXXX Account number : XXXX XXXX. CREDITORS NAME : XXXX  XXXX Account number:XXXX XXXX. CREDITORS NAME : XXXX : ( Original Creditor : XXXX XXXX ) Account Number : XXXX
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check written by/to myself from my account at XXXX XXXX XXXX to my account at 53rd Bank . Prior to me depositing the check, 53rd mobile deposit for the check said it will be available the next business day so I accepted it and deposited it. The next day, the money/check ( {$1900.00} ) was taken out of my XXXX XXXX XXXX account. My 53rd account went to a negative status however without any other transactions being processed but the check deposit. I called 53rd for them to tell me the check had a hold on it for 6 days but it can be available sooner. I asked why and was told sometimes it happens and that they must see something wrong with the bank where the money was being taken from. I complained since I needed the money but she said it's nothing she can do. She said the check was also miswritten and the words says different from the number amount and they were adjusting it from the XXXX to the XXXX since the words didn't have the XXXX. After getting off the phone, my account was back to the status of a balance as it was prior to the deposit, however, the account said the check for {$1900.00} was processed. 6 business days later and there was no changes, the money was not available from the check. I called again complaining, no one could give me a real reason why the money was not available. I complained to the executive 's office, who was very unconcerned for me being a customer and said that sometimes these things happen and it's out of their hands. Finally XX/XX/XXXX, I received the {$1000.00} in my account. I called to find out about the remainder since the original person told me the XXXX would be adjusted to the check ( meaning I would get the full amount that's what she told me. ) XXXX in the executive team told me that I won't get the remainder because they have to go with what is written. All this time, all of the representatives I spoke to even within the actual bank itself and no one said the check would not be provided in full. I could of called XXXX XXXX XXXX and had them to give me at least the {$900.00} if I knew it wasn't going to go through. I finally did that and they gave me my money right away. 53rd held my money from XX/XX/XXXX to XX/XX/XXXX. No one gave me a reason why it was held. I closed my account with them due to this ignorance and problematic experience that no one can explain. I am disgusted at the fact that they could not provide any just cause, they did not cash the check the next day as it said on the mobile app and it took all them days to go through. No one even called to say it was available or anything. This was the worse experience ever. 

BTW my mom told me she had 53rd bank and they allowed my sister to withdraw money from her account without my sister being on her account, she said she closed it immediately after and she should of warned me about 53rd. 

Please investigate, they do not need to be in business and they don't care about the customer at all.
Product: Credit card or prepaid card

We were the victims of a credit card fraud which, despite promises to the contrary, the bank has not taken any visible action to investigate or rectify. 
Here is a brief chronological description of the events. Please see attachments for a more detailed account. 
-- In XX/XX/XXXX we opened a business account at Citizens Bank in XXXX, Vt.,  for a small seasonal bed and breakfast that we operate at our home. During this initial visit to Citizens Bank offices we also arranged for credit card payment services and the lease of a credit card reading machine. 
-- In XX/XX/XXXX a prospective guest reserved rooms for an extended period of time and provided a deposit of {$1700.00} which was booked to his credit card and credited to our Citizens Bank account. 
-- In XX/XX/XXXX the prospective guest then secured a refund of the deposit from XXXX, the credit card services partner of Citizens Bank. Neither the guest nor XXXX nor Citizens Bank consulted us about the refund and we were not notified of it in a timely way. 
-- Separately, the guest communicated to us that he had changed his plans and demanded a refund of his deposit from us. Unaware that he had already received a refund, we paid him the money. We later realized we had been scammed. 
-- Citizens Bank refunded {$270.00} in fees incurred after the refund to the customer caused our account to become overdrawn, and has assured us that the matter was being investigated. But neither the bank nor XXXX has provided a progress report or any concrete indication that efforts are being made to recover money or take action against the fraudster. 
-- In XXXX the Citizens Bank branch manager in XXXX, provided a contact at XXXX. The contact was able to discuss a separate issue involving the lease of the credit card machine, but he had no knowledge of the fraud case. 
Thank you for your consideration. 

Attachments : Sequence of events previously provided to Citizens Bank. Additional documentation such as bank statements and emails available on request. 

Note : We have previously complained to the Vermont Department of Financial Regulation, which informed us on XX/XX/XXXX, that it had forwarded our complaint to the Office of the Comptroller of the Currency. We have not received an acknowledgement from the Comptroller.
Product: Credit reporting, credit repair services, 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries : 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: Debt collection

I am disputing the debt as reported by PORTFOLIO RECOVERY for {$560.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.
Product: Mortgage

on Monday of last week the home owner XXXX XXXX requested that the mortgage company 21st mortgage send another draw because XXXX XXXX has completed everything except the flooring her home. they requested that photos be taken and sent in. they was done so the Thursday. After speaking with the handler of the file it was noted that the check was not sent out to XXXX XXXX, however XXXX XXXX XXXX XXXX the owner of XXXX XXXX purchased a overnight XXXX shipping label in a attempt to avoid the home owner to have to pay a late fee. At XXXX and XXXX XXXX XXXX received a email from XXXX XXXX stating that she received the labels and was about to send it off. After not receiving the check at the time of XXXX XXXX XXXX contacted the XXXX XXXX at Ext XXXX ( supervisor ) for 21st mortgage. XXXX XXXX was advised by XXXX XXXX that the check was placed into a drop box after the pickup time that was allowed by XXXX. Now they knew that the label was a next day air and at the time they received the label they could have placed it into the drop box in time for it to be picked up by XXXX. Now a late fee has be added to this account which is {$490.00}, and the home owner stated that she was n't going to pay it because she is not in control of the claims funds.
Product: Credit card or prepaid card

After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not allow Customer ( s )  to fulfill to its fullest usage by suspending card and abusing their power by stating that there are security concerns. All security questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been transferred from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone. XXXX when you become XXXX  years of age you are not the fastest therefore, you appear to not be the brightest either. By XXXX 's actions and some of the other representatives that I have encountered, apparently Discover must very untrustworthy and poor management skills. This credit card has been paid onetime and in full in the past. For me to recommend so many friends and family members, never again. In fact, I will share how Discover is poorly treating me and not allowing me to receive the advertised points to its fullest. I am also requesting the last three months including, the current statement to be mailed at no additional cost since Discover has locked me out of my account. Discover has also been reported to the XXXX XXXX XXXX and has not received a response as of today XX/XX/XXXX.