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

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

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

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

You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Vehicle loan or lease

reference Citizens One Loan paid off XX/XX/XXXX. For and in the name of XXXX XXXX XXXX, elderly parents sent over {$10000.00} to citizens One and not Citizens insurance XXXX and XXXX. I called citizens one, got XXXX cat numbers, was told if loan was paid off they would send a check back, this DID Not happen. 

They took advantage and was told they were sent money back witting 3 weeks of receiving if the loan was paid off, again they kept the money. 

I have no idea how many times the happened since XX/XX/XXXX. 3 times for sure.
Product: Credit card or prepaid card

Recently I paid off my credit card account with Bank of America but somehow they drafted my XXXX XXXX account twice for {$11000.00} ( my final payment ). 
I noticed a credit for {$11000.00}. on my Bank of America credit card statement. I called customer service around XX/XX/XXXX and requested the statement to be refunded. I was told that the amount would be refunded to my XXXX XXXX checking account within 7-10 business days. 
On XX/XX/XXXX I noticed that the {$11000.00} credit was no longer showing in my Bank of America account but it still was not returned to my XXXX XXXX checking account. 
I opened an inquiry online to find out where the money is. I have called customer service more than 7 times ( waiting on hold for hours ) but Im not getting an answer. Every time I call Im told they will open an inquiry and have an answer in 7-10 business days. This has been going on for 37+ days now with no resolution. I also received a letter from B of A saying that they researched the incident and the money was returned. However I can provide bank statements to show the money was never returned to me. Please help. I really need this money. 

I have called customer service multiple times. I have also emailed their Executives ( XXXX XXXX, XXXX XXXX, And XXXX XXXX with no response.
Product: Credit card or prepaid card

Opened a Hilton Honors Surpass Card on XX/XX/1922 '. The welcome bonus being 130000 hilton points after meeting 2k spend in 3 months time. Today, XX/XX/1922 ', I had met the threshold and had reached out to Amex support to receive it, they denied it and gave me lip service and the run around as to why I'm not entitled to their offer they provided me. They're lying and scamming.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX : an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by XXXX XXXX. I don't recognize this inquiry nor have I applied to any service of such type this year.

XX/XX/XXXX : an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX load on XX/XX/XXXX.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

XXXX XXXX
Product: Payday loan, title loan, or personal loan

They have been contacting me and relatives and my relatives told them to stop all calls and they still call. I made two payments and lost my job tried to make arrangements with them and they were not trying to work with me. The car was damaged in an accident and the tow truck company refused to give the car back because the person that hit the car did not have insurance and I was unable to get the car out
Product: Credit reporting

I am unable to get my EQUIFAX credit report. Either the " validation '' questions and multiple choice answers do n't apply ; OR I make it through and then get an online message that they ca n't deliver my report online and that - allegedly - I have to " call ''. I DO NOT WANT TO CALL. With this complaint, I have uploaded my valid driver 's license and a current utility bill for proof of identity. 
Of note, I am XXXX of the many XXXX who was affected by the XXXX data breach of personal info ( name, DOB, SSN, driver 's license number, etc ). I want to check my EQUIFAX report but am unable to receive it.
Product: Credit reporting or other personal consumer reports

BRIDGECREST has reported with all credit agencies that the balance is Charged off and has reported a Profit and Loss with the Internal Revenue Service for tax year XXXX. 
However, I have not received my XXXX to report as income. This account is reporting inaccurately as it should not be reported at all. I am requesting the XXXX filed and this account to be removed from my report across all credit bureaus/agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Experian credit reporting Agency has been reporting a debit from XXXX XXXX credit union that was paid in full with the agreement that the debit was to be reported payed as agree with no negative report, XXXX XXXX XXXX practice in a deceptive method collections rep from fairwinds federal credit union stated to me and my wife that would the agreement they Lied account is over 7 years old to  be removed open XX/XX/XXXX.
Product: Mortgage

In XXXX I purchased a condo from XXXX XXXX Loans or lender to promissory note. It has since then been switched in XXXX to Bank of New York Mellon. It has switched Loan Services multiple times. Along with the lender switch and servicer there is no documentation ever provided or notified of these switches. It has been since XXXX XXXX the last time I made payment. It was taken to court in XXXX to XXXX and dismissed without prejudice in XXXX. Since XXXX since after trying to refi and getting told no over and over and none of the current loan servicers or lender could prove they actually own the note and mortgage or property I stopped paying maintenance fees. In XXXX the association for the condos foreclosed due to maintenance fee being behind. They have released me of all responsibility and interest in condo. The loan amount is still affecting my credit causing me to not be able to rent places, get car loans even with a good paying job, and effecting both finical and physiological and emotional well being due to lack of failure to address and take care of this matter in a timely fashion or refi the loan to make it affordable. It is now causing me to not be able to go back to school.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian regarding inaccuracies in my credit report, as per the Fair Credit Reporting Act ( FCRA ) guidelines. On XX/XX/XXXX, I contacted Experian to address the following incorrect information on my credit report. To date, they have not responded. The following are the details of the inaccurate information and the required corrections : The account with the following details was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Inaccurate Information : Please correct this inaccurate information on my credit report. 

The following account does not belong to me : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Inaccurate Information : Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the Fair Credit Reporting Act, you have a responsibility to promptly delete any information which is inaccurate or incomplete from my credit report so it doesn't get reported. I understand that this is your responsibility under the FCRA, and even if an account has only been speculated upon or never confirmed in any way, the burden falls on you to provide evidence of its veracity before it can be placed on my credit report. The information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights. The following account allegations are either untrue, unverified and incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened account with XXXX XXXX, purchased and paid off item. My credit report reflected more than 60 days late. Contacted XXXX XXXX and was told it was a glitch. Was fixed week later and now issue is back. I have asked them to fix, close my account and delete from bureau. I can not afford their glitches and mistakes
Product: Vehicle loan or lease

XXXX XXXX XXXX. VIN XXXX. Purchased XX/XX/XXXX. Financed with XXXX. XXXX has been paid off. I am unable to get a title because Florida DMV indicates there is still a lien on the vehicle. I have called Hyundai Finance and they have admitted that the loan is paid off, but they refuse to send me the lien release information. They also will not contact Florida DMV and inform them that the loan is paid and the lien is released. I have called Hyundai 5 times in the past 3 weeks. I have spoken with a supervisor named XXXX and a senior supervisor named XXXX. XXXX claimed he was as high up as you can go. XXXX said I would need to contact DMV. I explained to XXXX more than once that DMV will not help because their records indicate Hyundai still has a lien on the vehicle. I also contacted Hyundai Customer Care. I provided a detailed description of my situation and Hyundai Finances lack of cooperation. After two days, Hyundai Customer Care said I should contact Hyundai Finance. Obviously, they did not read my email in its entirety. Receiving the title is critical as I traded the car in and the dealer wants the title. If I can not produce the title within the next week I will have to pick up the vehicle and write a check for the trade in amount. 
I have attached a screenshot from the Florida DMV showing an active lien on the vehicle.
Product: Checking or savings account

Hi, I was a capital one banking customer ( XXXX XXXX before their acquisition ) for over XXXX years. Then out of the blue and without reason, capital one closed my accounts- via email that felt like a phishing attempt. 

I visited the local branch manager- was told they have no insight into the issue and to call the XXXX number for information. 

Multiple calls to their XXXX number yielded the same XXXX XXXX : we have decided to close your accounts. we have the right to close your account any time, for any reason. However, they have never cited a reason. I've attached the notification ( email ) and post-closure notices ( mail ). 

Account numbers : XXXX XXXX XXXX I would like to know the reason behind this sudden closure and what they think I did wrong. This is a XXXX XXXX for a financial institution and customer service.
Product: Credit card or prepaid card

Best Buy visa credit card raised the interest rate without notifying me of the rate and did not have my signature agreeing to that interest rate.
Product: Mortgage

I have been trying to get information from my mortgage company since XXXX. They have sent me the note that they have, however it has been altered and additional pages have been added to it. I have asked multiple times why and what those papers were, and they keep sending me letters that say they need more time, it's going to take longer than 30 days to get that information. Now I am receiving calls, multiple, everyday, and when I answer the line starts ringing but nobody answers. Then I receive calls with an auto response that says Mr. Cooper is trying to contact me. I have called them and when I've asked to speak to the loan specialist on my account they never transfer they say they can help me. Then I get put on hold and hung up on. I don't know what to do now.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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.

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Starting on XX/XX/2021 my Paypal prepaid card was stolen and was being used without my consent. On that same day I was XXXX in the XXXX county XXXX  in North Dakota. On or around the XXXX of XXXX I had my daughter call and suspend or cancel this card and every other card I have. I would have done that sooner, but I had no means of doing so. Then without my knowledge and definitely not my approval another card was reissued in my name possibly by the person who took the first card. The first and only card I ever was issued from Paypal prepaid was stolen out of my vehicle along with my vehicle shortly after being arrested. So every transaction starting that day to the day I was released was not made by me for me or to my knowledge on XX/XX/XXXX. I contacted NetSpend dispute center to notify them of all the info I had at the time. Most of which I seen thru my emails. I tried to have them understand that all those transactions weren't mine to much confusion on their part. They only understood three transactions and refunded me {$290.00} in XXXX leaving me short {$1700.00}. So then I filed another complaint and after a lengthy investigation I was found liable for charges I didn't make. I found that out by calling them on XX/XX/XXXX. I did everything asked of me and was very proactive by disclosing all the pertinent information I could in a timely manner. Also sent a couple faxes for whatever reason. I just can't believe they treated me so poorly. Being stripped of my money and being treated like I spent all my money while behind bars was very rude. I still haven't received any more money other than the {$290.00}. This money I had was my state and federal unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is paid off, but its showing delinquent remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Courts and have included their response. According to the United States Bankruptcy Court District of Nevada. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. 
I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights. 
I have attached the Bankruptcy Court response below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter from Barclays dated XXXX XX/XX/2021 saying they denied an application for a Wyndham Rewards credit card that I never applied for. I have called them 5 times to speak to their security/fraud team, have waited on hold for over 30 minutes every time and in one case over an hour, and have yet to get to anyone in their security team to dispute the application. I've told their customer service people about how that extension ( to their security service ) is a dead link, but there is no other contact phone number for them, and their online form you can fill out in case of fraud ( https : XXXX XXXX  ) requires an active Barclays account ( which I don't have ). 

I need help getting this hard credit pull off of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXXXXXX XXXX ] Account Number : [ XXXX ] Creditor Name ( XXXXXXXX XXXX  ) Account Number ( XXXX ) It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I was charged for equipment that was returned. I have the receipt as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FRAUDULENT INQUIRES ON XXXX, TRANSUNION, AND XXXX THAT I HAVE NO KNOWLEDGE OF THESE INQUIRES ARE FRADULENT AND I DIDNT DO INQUIRES ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX