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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXXXXXX {$390.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} DOE XXXX - XXXX al {$1200.00} DOE XXXX - XXXX al {$2000.00} DOE XXXX - XXXX {$7700.00} DOE XXXX XXXX XXXXXXXX l {$4000.00} DOE XXXX - XXXX {$2500.00} DOE XXXX XXXX XXXX {$2500.00} DOE XXXX XXXX XXXX {$4000.00} DOE XXXX - XXXX {$3800.00} DOE XXXX - XXXX {$2200.00} XXXXXXXX XXXX XXXX {$12000.00} XXXX XXXX - XXXX {$290.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information in question comes from XXXX XXXXXXXX XXXX The amount reported is XXXX. This account first became delinquent in 2014. The time frame for this account has expired. The company is required by law to remove inaccurate information and information that is more that 7 years in age.
Product: Money transfer, virtual currency, or money service

I have process the amount of XXXX $ for medical emergency to pay medical bill and for prescribe medication it was urgent amount transfer so I accept sending the required amount in express manner As soon as possible and it promises that I will get into account in few minutes, and other side the patient is waiting to get the amount so that she can pay medical bills, the transaction I made was on XXXX XXXX XXXX pm CST time zone, and today is XXXX XXXX still I didnt recive my amount to the person, I tried calling them multiple time but every time there saying will process in next few hours, I heard this multiple when ever I called but its not yet processed, i request them to transfer my call to supervisor so I get answers that she is in a meeting will call me in next 15 mins but till now I have recive any call yet, the higher team doesnt want to come On call, it look like scam to keep people money and take interest on that amount, I request you guys to take a strict action towards them. Still my money havent been process today is 6th day. I need compensation from them, because of cheating on me and keep my money for there person interest. Plz take serious action on them and I want my money being processed and compensation for this on going delay
Product: Checking or savings account

They put freeze on my account with over {$3000.00} in it because I reported fraudulent charges and there still investigating, this has been going for 2 months and I need to access my funds.
Product: Money transfer, virtual currency, or money service

I sent {$47.00} on to XXXX XXXX https : XXXX who promised to provide me with access to my ( hacked and locked ) XXXX account. This payment was sent via Cash App. It was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
DEPTEDXXXX ( Duplicate Account ) XXXX List Inquiries XXXX  - XXXX  XXXX  Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX-XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX- XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA
Product: Money transfer, virtual currency, or money service

I was scammed out of several thousand dollars under a scam that said my account was hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed and faxed a dispute letter to XXXX, XXXX  and Transunion requesting to dispute negative credit items and inquiries. I never received a physical paper copy of the dispute resolution in the mail. According to the Fair Credit Reporting Act, the credit bureaus are required to respond to claims within 30 days and inform me of the results of it's investigation within five business days or they have to automatically delete every item that I disputed. I waited for 45 days and then mailed and faxed all 3 credit bureaus a NEW dispute letter on XX/XX/XXXX, requesting a copy of the investigation results from XX/XX/XXXX. I also requested that they send me proof of how they verified the items and if not provided within 15 days, that they needed to delete every item and inquiry that was disputed. Again, I never received a response in the mail from either credit bureau. Under the Fair Credit Reporting Act, it is a violation for credit reporting agencies to report inaccurate information about anyone, mixing up one 's personal information with someone else 's because of similarities or same names, social security numbers, addresses, etc. Agencies who fail to follow guidelines for handling disputes will be prosecuted in a court of law. According to FCRA, If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests. If the furnisher corrects your information after your dispute, it must notify all of the credit reporting companies it sent the inaccurate information to, so they can update their reports with the correct information. No proof of investigation results have been received from any of the 3 credit bureaus. In the event that the credit bureaus attempt to state that they never received the said documents in the mail or via fax, I also included and attached them in previous CFPB complaints that were filed against these XXXX credit bureaus. The CFPB complaint numbers are as follows : XXXX XXXX, XXXX XXXX, XXXX Transunion. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Transunion, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Transuion, XXXX XXXX, XXXX XXXX, XXXX Transunion. I am demanding that each credit bureau remove, delete, suppress and expunge each negative item, inquiry, incorrect address, name, phone number, employer, public record that I have ever disputed and restrict them from being added back to my report in the future. I am requesting that updated reports reflecting these changes are mailed to me within 15 days of today 's date or I will have my attorney file charges in court. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance Owed : {$200000.00}
Product: Debt collection

Navient, who owns XXXX, calls me multiple times per day, using new numbers to evade my block. Then, yesterday and today, immediately following an unsuccessful call to me, a private number called and left threatening voicemails, pretending to be fake attorney XXXX XXXX and telling me to call this number before they showed up on my property. 

I am 99 % sure this is them initiating the robocall. It has happened both days within minutes of me not answering their call.
Product: Credit card or prepaid card

someone took out 4 credit cards from Capital One in my name i did not authorize these accounts this was a few years ago, I called capital one and disputed this as fraud and Capital one has an abstract judgement on my property for accounts that do not belong to me, these cards were removed off my credit report but there is a judgement still sitting in the courthouse and I am trying to sell my property and I can not get any help resolving a fraud issue and having this judgement released from me and my property, what can you do to help me resolve this ASAP as I am closing on my house on XX/XX/21 so this is URGENT and I do not want to pay what is not mine and have to fight harder to get it back please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove off my credit report 15 u.s.c 1681 sections 602 A state I have the right to privacy. 15 u.s.c section 604 A sections for 2 : it state a consumer report agency cant report with out my writing permission. 15 u.s.c 1681s-2 ( a ) ( 1 ) a person shouldnt report anything to a report agency if information not accurate or right. 15 u.s.c 1681c ( a ) ( 5 ) no consumer report agency may report containing any of these items any advice information past 7 ur
Product: Debt collection

This company calls me every single day even when I'm at work. Ive aske for debt validation and purchase agreements and they have ignored all my request. They continue to harass me. I don't even know what this is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I called XXXX XXXX XXXX XXXX office in regards to options for people who had experienced hardship due to COVID-19.  There was an automated message and prompts to apply for a forbearance. After following the prompts and completing my request for forbearance I was advised that there was no further action needed and that I would be receiving paperwork in the mail. The information given through the prompts put me under the impression that the forbearance would go into place effective immediately meaning XXXX. I never received the requested forbearance information in the mail. I was very surprised when a late payment was reported to credit and our credit scores plummeted 44 points. Again the call tree message did not state that a forbearance did not start until XXXX. Once I saw that my credit score dropped I immediately called on XX/XX/XXXX, made the XXXX payment and inquired on how I could get this late payment off of my credit report. The person I spoke to had no record of me calling on XX/XX/XXXX. 

I sent an email to request this be taken off of my credit report on XX/XX/XXXX to XXXX and followed up with more emails and phone calls. I got a response on XX/XX/XXXX stating " You say you inquired about going on a Forbearance on XX/XX/2020 through our automated system and you assumed the payment for XXXX would take into effect. It was the near the last of the month and unfortunately it could not include the month of XXXX because it was the end of the month. You will need to open contact the three credit bureaus, they will then do an investigation regarding this issue and will contact you with their results. We are sorry for any misunderstanding this may have caused you. '' I disputed this with the credit agencies and it has not been removed. I had not had any late payments with this mortgage for 2 years prior. Based upon that fact the phone prompts were misleading this negative report should be removed from my credit report because it is XXXX XXXX XXXX XXXX responsibility to provide correct information so that customers can correspondingly make correct decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to Equifax, they are reporting an error on my credit report. I sent them proof the other bureaus deleted this XXXX XXXX XXXX, account for {$120.00}. They are refusing to delete this account after I let them know they are in HIPPA violation. It doesnt exist with the other bureaus. This is inaccurate false information being reported on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i have tried to fix this false reporting with Experian last month and they didn't update the late payment i had. I need this late payment that is being reporting By XXXX XXXX  on XX/XX/2022 to be update i was never late. I have attached the letter i sent them and they have no proof of this error they are reporting. This has dramatically effected my life and has me getting denied for cars and apartments. Which has me homeless and car less. I need this fixed asap
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credi reporting ACT has violented my rights. 

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  15 U.S.C 1681 section 602A State : I HAve the rights to Privacy. 
15 U.S.C 1681 section 604A section 2 : Its also state a consumer reporting Agency can not furnish a account without my written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Payday loan, title loan, personal loan, or advance loan

Multiple loans were taken out through my bank account. 
Money loan apps : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1500.00} was taken out in total of loans without my knowledge or approval through my banking checking account. 
This started in XXXX and is still ongoing. 
I have filed a police report to hopefully get money disputed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report inaccurate and incorrect late payments on my credit profile. 

account # XXXX ( credit card ) Inaccurate Late payments- XX/XX/XXXX, XXXX and XX/XX/XXXX. 
account # : XXXX ( auto loan ) Inaccurate Late PaymentsXXXX XXXX and XX/XX/XXXX. 

They remain in violation of consumer law under : 15 USC 1681a ( 2 ) - EXCLUSIONS Except as provided in paragraph ( 3 ) The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian has failed to disclose all facts listed in section 1637 ( b ) without any omission as required under the FCRA to me as a consumer. They also inaccurately conveyed all relevant information about these erroneous accounts to the original furnisher ( XXXX XXXX XXXX XXXX ), even when the response was improbable or illogical on its face, or when Experian has other information available to suggest the furnisher in unreliable.
Product: Mortgage

XX/XX/2023 - I submitted SCRA benefits package for SCRA benefits to be applied to a recent home loan. 

XX/XX/2023 - Received a letter from PennyMac stating I was not eligible for SCRA benefits as the loan originated after my initial entry into the military. I responded to the message stating Louisiana had laws in place that covered servicemembers regardless of entry date in relation to loan obligation. I am living and working in Louisiana due to military obligation ( PCS orders ). 

XX/XX/2023 - Received message from PennyMac re-iterating I do not qualify for SCRA benefits in this case. 

I have received SCRA benefits for my car loan ( XXXX ) as well as three credit cards and also know of another member that has received benefits for her mortgage with XXXX XXXX. 

I am hoping to get some clarity/resolution on this matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address significant and harmful discrepancies in the reporting of an account with XXXX XXXX across the three credit bureaus ( TransUnion, XXXX, and XXXX ). Despite prior disputes, the inaccuracies remain unresolved, and I am requesting proof of the previous investigation or immediate deletion of this account from my credit reports due to its unverifiable nature. 

Account Details : Creditor Name : XXXX XXXX Account Number : [ Insert Account Number ] Discrepancies Identified Across Credit Reports : 1. Account Balance : TransUnion & XXXX : {$5400.00} XXXX : {$5300.00} Discrepancy : Conflicting balances across credit bureaus.

2. Date of Last Activity : TransUnion & XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Discrepancy : The conflicting dates indicate inaccurate and inconsistent reporting.

3. Last Payment Date : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Not reported. 
Discrepancy : Inconsistent last payment dates among bureaus.

4. Payment Status : TransUnion XXXX XXXX : Collection/Chargeoff XXXX  : Late XXXX  Days Discrepancy : Differing payment statuses create confusion about the true state of the account.

5. Dispute Status : TransUnion & XXXX : Account not disputed XXXX : Consumer disputes- reinvestigation in progress Discrepancy : Conflicting information on whether or not the account is currently disputed.

6. Credit Limit : All three bureaus report a credit limit of {$3600.00}, yet the high balance exceeds this limit, raising questions about the accuracy of reporting.

Request for Proof of Investigation : I am now requesting : 1. Proof of the previous investigation conducted by the credit bureaus and XXXX XXXX. 
2. A detailed method of the investigation, including : Records of who you spoke with.

Their business address, name, and phone number.

3. Documentation proving the validity of the account balance, payment history, and charge-off status.

If this information can not be provided within three ( 3 ) days, I am demanding the immediate deletion of this account from all three credit reports and an updated credit report reflecting the removal of the inaccurate information. Violations of the Fair Credit Reporting Act ( FCRA ) : The continued discrepancies and lack of verifiable documentation violate the FCRA by
: 1. Reporting inaccurate and conflicting information.

2. Failing to validate disputed entries.

3. Falsely reporting payment activity and account status.

Resolution Requested : 1. Immediate deletion of the XXXX XXXX account from my credit reports if proper validation can not be provided. 


Impact on Me : The ongoing discrepancies have caused significant harm to my credit score, limiting my ability to access financial opportunities. This is unfair, misleading, and a violation of my rights under the FCRA. 

Thank you for your immediate attention to this matter. I look forward to receiving proof of the investigation or an updated credit report reflecting the deletion of this account.
Product: Credit reporting or other personal consumer reports

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, Equifax and XXXX Credit Bureau is reporting inaccurate information on the following accounts. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THE BALANCE ON MY XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT. 

THE BALANCE ON MY XXXX XXXX XXXXI/ XXXX XXXX  CREDIT CARD ACCOUNT NUMBER XXXX IS INCORRECT PLEASE UPDATE THIS ACCOUNT.