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

I am a victim of identity theft. The following accounts are all fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for {$420.00}, I been receiving harassing phone calls at my home and at my place of employment from the above creditors everyday around XXXX XXXX for over 1 year. I have received death threats and been threatened with being arrested, if I dont pay the debt thats fraudulent and dont belong to me. I informed all 5 of the companies/debtors in writing via USPS mail to stop contacting me and harassing me at home and at my job, yet they continue to contact me at home and at my place of employment. This has been going on for over 1 year. This is a major violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law, and Arizona Debt Collection state laws. The accounts are all fraudulent and unauthorized, and dont belong to me. The debt is not mine. I have been informing the debtors for over 1 year that the fraudulent and unauthorized accounts arent my accounts, yet Im steady been harassed and receiving death threats, and threats of being arrested and put in prison for fraudulent accounts and debt thats not mine. The accounts are not on my XXXX XXXX credit report, because XXXX XXXX deleted and permanently blocked the accounts from my XXXX XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have trying to Get the XXXX AL address off of all of my credit reports for years! What is the problem. I've never lived their. I've never had mail delivered their. My x-wife lived their with her dad and step-mom as we were going through our divorce. I have lived in my house that I bought in XXXX since XX/XX/XXXX. I threw hew out. Filled her truck and told her to leave. Find me anything that ties to XXXX! 

XXXX XXXX. XXXX XXXX XXXX XXXX Is there a problem?
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. 

I told XXXX, XXXX, and Equifax to reinvestigate the account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

Having received a copy of my updated credit report and seeing that it is still inaccurate and not of my knowledge, by law, this has to be removed my account.
Product: Prepaid card

XXXX : On XX/XX/XXXX, i initially made a purchase thru XXXX XXXX XXXX  for XXXX XXXX  ( XXXX ) in the amount of {$64.00}. About XXXX minutes later, i found a FREE app that does the exact same thing of what i had just ordered so i cancelled the initial order. I never got a refund so i filed a dispute with the responsible business of the debit card i used ( Net Spend ). They issued a Provisional credit for {$64.00} on XX/XX/XXXX. Then on XX/XX/XXXX, they ( Net Spend ) debited {$64.00} from my account because they claim i purchased the product. My reply to them was i initially ordered it but cancelled. So why am i being charged for something i never received because the order was cancelled. They still denied my dispute and never responded. 
XXXX : On XX/XX/XXXX, i ordered a " scooter '' online and {$39.00} was debited from my account. Last week i still haven't received anything and called Net Spend to file a dispute on that order. I also asked for the merchants name and number. I made several attempts to contact the merchant but wasn't successful because there is no business. Once again i tried explaining that to Net Spend and i am being given the run around.

Not only are they charging us for every single little thing but they are also not helping us out at the same time. They're just ripping us off.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed XXXX late payments currently reporting NEGATIVE on all three credit reporting agencies. I initially reached out to the credit reporting agencies and asked them to remove the late payments or update them as paid as agreed but the did not do this. They stated they would update the account so that it would not show any negati8ve information but it still shows SEVERAL months later. I reached out the XXXX and they stated that my loans have been in good standing since they transferred over in XXXX. I also reached out to the prior servicer of my loans which was XXXX XXXX XXXX and they to stated that my loans are on a XXXX status. Since my loans have been in XXXX status they can not have late payments reported to the credit reporting agencies., Per the Family and Educational act of XXXX I have a right to privacy of my student records.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( XXXX XXXX/Experian/Equifax ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry.
Product: Credit reporting

Most of the the securely question about my last credit history cant not be answered bc I have nevered applied or had a home mortgage in my life. And to answer how much is my mortgage a month I do n't know the answer bc I never had or applied for a mortgage in my life. I was looking through my Experian credit report on my phone a min ago and before the site crashed Ive seen XXXX CREDITED CHECK 5 TIMES ON XXXX. Half of this must be fraud bc the only time I step foot in a XXXX store was a few weeks ago just to browsed. please I have to this issue resolved bc this is fraud.
Product: Credit card

Capital One has engaged in false business practices, which constitutes fraud. 
They maintain that their APR is in line with their fellow competitors, but that is simply not the case. Their XXXX credit card rate is much higher than : XXXX, XXXX, and XXXX. 
Therefore I feel they are guilty of deceptive business practices and corporate greed. 
Also, I have been waiting for them to send me their version of a chip credit card, since XXXX of 2015. Why are they so neglectful in taking care of their aforementioned client?
Product: Money transfer, virtual currency, or money service

Good Morning, I have done an international wire transfer ( {$2200.00} ) from my account in Bank of American on XX/XX/2019 to my account in XXXX XXXX, XXXX and never received the funds. I have done the same operation in the past and never had any issue ; this information is saved in my online bank of america transfer website and I never changed it. 

I have contacted both banks many times and have not been able to resolve the issue. Bank of America initially used the wrong codes and then corrected them after the swift message was checked by XXXX XXXX ( please see attached ). XXXX XXXX  never received the funds and I tried to recall it but am not able. Bank of America has contacted their investigator but they are not able to located the funds. This amount was deducted from my account but I do not know where the funds went and Bank of America said that the case is closed and basically I have lost this money. 

I appreciate if you can advise on what I should do. I have not provided any different information as I provided in previous successful wire transfers and I do not see I have done anything wrong but I have lost this money so far. Thank you, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraudulently tried to charge for service after phones had been ported-out to XXXX XX/XX/2016, attached will be a 9 page narrative detail, including FCC complaint, and XXXX acceptance of their error, however in the process they have falsely and maliciously filed 5 late payment claims to the lead credit reporting agencies. 

They refused my good faith payment via check, placing unacceptable hardship type demands to pay via forms untraceable such as money orders, and other off the books non traceable payments. These demands on me to pay by illicit means were not of a form that I could access from a Michigan based bank from out of state. 

In turn, after the initial letter, they did not communicate to me for six months, turning this over to a collections agency. I paid the bill as soon as I got the letter from the col-agency and the collection agency would take a credit card or bank check - those that XXXX was refusing to use as means of payment. 

I did not know of the damaging malicious actions XXXX were taking to my credit report until XXXX. I called them Tuesday XXXX about this, and they refused to retract and expunge this from my report. Their arrogant and condescending intonation on the phone when I spoke to the representative is completely unacceptable, the FCC needs to fine XXXX, the employee of record as it was a recorded line, needs to be fired, employees retrained. Their approach to customers is completely unacceptable. 

Furthermore they have told me and the FCC a twisted version that the debt was still due but they failed to communicate that to me until I received a letter from a collections agency. 

So again, it is XXXX that failed to communicate their willingness to accept a XXXX Bank form of payment. The Collection agency managed that payment for them, however XXXX intentionally and maliciously has damaged my credit rating. XXXX initiated this entire event by illegally charging me for services not rendered. They have a special department dedicated to extracting payments for services not rendered, hoping consumers don't catch on, this is not an isolated practice, they need to be investigated by congress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Equifax ; XXXX  and XXXX a collection in the amount of {$900.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Debt collection

XXXX XXXX, consumer had in collections, was about to expire, due to debt being 7 years ago, when a new credit bureau picked up and began seeking action. Consumer was in the process of buying a home, and this impacted my credit in a negative way. Consumer settled debt, and now company is not removing from credit profile asking requesting by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " 3rd party agency '' for reporting to both XXXX and Transunion. My XXXX report from the time I opened the account has not reported properly. The balance goes up and down for no reason. XXXX is reporting only 3  months of good payments and they are separated by 3 months of no status, which should also show good payments. The account has been in good standing for over 1 year and over 1 year of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my XXXX report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, X/XX/17, XXXX XXXX XXXX has confirmed that the balance shown my XXXX is again, incorrect according to their records. In addition, the " 3rd party agency '' that XXXX XXXX XXXX has hired, supposedly reports to Transunion. The account has never once shown up on my Transunion report. It has never reported to Transunion for over 1 year, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to XXXX as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 XXXXXXXX, These Companies has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

robo calling and asking for XXXX XXXX however keep me on hold then hang up. 

I have not business relations with XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit profiles, I've uncovered inaccuracies and now seek Metro-2 compliance for my credit report. I insist on the removal of any challenged or disputed misinformation. Furthermore, I demand that the bureau authenticate the authenticity of all federally composed legislative documents related to the challenged account allegations. Failure to comply may result in civil actions on my part. 

I'm kindly requesting verification of certain items on my credit report and would appreciate physical proof of verification. Additionally, I'm requesting a complete credit report to ensure accuracy. I'm grateful for the prompt attention and cooperation in this matter. 

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness. 

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.
Product: Credit card

I have been currently out of state working in XXXX Idaho. I was also visiting my grandma in California as shes been in and out of the hospital. I had two credit cards that were mailed to my old apartment in XXXX Tx. I provided Wells Fargo with my leasing agreement that showed I know longer live there so somebody must have received them. They denied both my claims as they said I verified the charges. My little sisters have played with my phone multiple times so I know I didnt verify them personally. It was two separate charges at two designer stores for roughy XXXX $ each. As soon as these charges appeared on my statement I immediately called Wells Fargo and filed fraud. I havent been in Texas so impossible for me to have done this. Been going back and forth with them providing them with information for months. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX. ) Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX ) Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

Last week I tried to make a payment that was leftover from the previous payment due on the their website. It said I owed $ XXXX order to apply for anymore cash from my acct credit. I tried 3 times to make the payment. Each time it was denied saying something was wrong with my card info when it was all correct and there was a balance of cash money in my bank account of like {$350.00} or {$60.00}. Due to my schedule I had to get back to doing what I was doing and it slipped my mind to call them. When I got home that afternoon my car had been taken. They took it for a {$120.00}.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to NATIONSTAR-MR COOPER about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

t always have a loan {$720.00} including pass due, I try called many times ask. No response from that account information. And how I can get the help and update my credit scores? I need to do re-Financial for my home. Thx!
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

My SSN was used to open a credit card with XXXX XXXX XXXX.
Product: Credit card

After the recorded line recorded that they did not want me to pay for the new balance, they sent me a bill for the balance. Then another bill .....