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

I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG.

Deviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.
Product: Credit reporting or other personal consumer reports

There are inaccurate inquiries on my credit XXXX Credit Report that do not belong there : XXXX  - XX/XX/year> Also, please note that my name is listed incorrectly on my XXXX credit report. My name should be listed as XXXX XXXX XXXX. Please remove the shortened form of my name " XXXX XXXX XXXX '' from my XXXX credit report as well as the name " XXXX XXXX '' from my XXXX Credit Report.
Product: Debt collection

I was never informed about this debt. I would have paid it if I knew about it. I found out when putting electric on in my name. I was then sent a notice in the mail even though this debt is over XXXX years old
Product: Vehicle loan or lease

I am a victim of identity theft. I have reported this event to the federal trade commission. I have never signed for a car loan, promissory note, or any type of instrument nor have I received anything of value or value said owed. I have suffered irreparable harm from these fraudulent actions. FTC report number XXXX
Product: Bank account or service

I applied for a home mortgage with Wells Fargo bank, the process started on XXXX XXXX the banker agents in charged of this loan were XXXX XXXX, Home Mortgage Consultant Fax:XXXX Office : XXXX Ext:XXXX XXXX, NMLSR ID XXXX and XXXX Mortgage Processor ( Lo ) Office:XXXX Ext : XXXX XXXX NMLSR ID : XXXX. The process was slow because I could n't find a house for the amount I was approved for, first I was approved {$350.00}, XXXX however i found a house priced {$230000.00} and with a {$11000.00} down i was putting and a negotiation with my attorney i received a credit from seller which made the loan amount to go down to {$200000.00}. The bank requested a lot of documents to verify my income, and everything they asked me for i submitted it to process the loan, I have gotten several commitment letter from Well Forgo stating i qualified, the only reason the real state agent gave me show me the houses were because i had a pre approved letter. The bank consultant requested to do an appraisal in the house i gave them my credit card paid for it and it was done under the assumption that i had the loan and i also paid for the house inspection. i spend the appraisal money and house inspection money because the bank reassurance that i would have the loan to buy this house. Wells Fargo for five months made me spend money for the appraisal, i paid an attorney fees, put a down-payment and for {$2500.00} down to start up the contact, i rented the place where I 'm leaving now and i packed all my staff, consulted a house insurance and changed my car insurance to be with the same as the house Wells Fargo approve the loan for until the beginning of this month XXXX they at the last minute denied the loan because according to XXXX and XXXX my income Ratio was to high. My confusion is that since day one they run my credit report and seem all finance they knew what i had from the start why putting my hopes high and allowed me to spend money in appraisal if they knew i would n't be able to get the loan. i want an investigation to be done and my money to be returned. I did everything they asked me for and participating providing all my finance information they reassurance by giving me commitment letter and at the last minute they back-down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I started disputing on XX/XX/XXXX some accounts that I don't believe have been reporting accurately with the bureaus. I never received a response from them so I redisputed on XX/XX/XXXX and again on XX/XX/XXXX. When I filed my first complaint on XX/XX/XXXX that also included my 4th dispute to the bureaus because in all that time, they have never corresponded with me!
Product: Vehicle loan or lease

I have filed a CFPB complaint about this financial institution multiple times. GM Financial stated they sent me a written notice of sale before selling the vehicle. GM Financial stated that my mail box was undeliverable ; however, consumer has received every correspondence by GM Financial concerning this alleged debt EXCEPT what I am requesting which is the notice. In addition GM Financial sold this debt and their debt collectors send correspondences to the address on file of this alleged debt. GM Financial is to provide to consumer a copy of the notice that was sent to address on record. I am demanding GM Financial to provide the Certified Return Mail Receipt in this complaint. I have record to indicate that CRMR to me in which is invalid. 

After further review of contract of this alleged debt, the consumer credit contract failed to contain the HOLDER IN DUE COURSE in at least ten point, bold face which made the contract unclear and inconspicuously. 

On XXXX, I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. According to Blacks Law Dictionary ( 8th ed. 2004 ), an agreement is a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt becomes null and void. The consumer did not receive a printed adequate notice. The adequate notice was to give me the pertinent facts clearly and conspicuously, so that I had noticed it and understood its meaning. Your financial institution had the choice of printing the notice or had given to me on each periodic statement, or by other means to assure I was in receipt thereof the notice. Your financial institution failed to provide pertinent notices. 

As a result of fraud and deception of this onsided agreement, your institution will update my account as paid in full and remove any derogatory remarks. 

Your financial institution will be held criminally liable according 15 USC 1611 for willful and knowing violating me as a consumer. Your financial institution will send me a cashier check for {$5000.00} or imprisoned not more than one year, or both the choice is yours.
Product: Credit card or prepaid card

I purchased football tickets for {$980.00} using my Macy 's Amex from XXXX  XXXX  on XX/XX/XXXX. The event was on XX/XX/XXXX. One week before the game I had still not received the tickets, so I called XXXX  to have them issued. I sat on hold for over two hours and was informed I had to wait until at least three days prior to the event, but that I should have them in the next 6 hours. Fast forward to two days prior to the event - still no tickets. Once again I got back on the phone, sat for another two hours, and was told I would be receiving them via email within the next four hours. Twenty-four hours, later and one day before the event, I still had not received any tickets. I had family coming into town to attend the event with me and it was imperative I receive the tickets before the game. Friday morning, the day before the game, I sit on hold again and once again was told I would be receiving them within a few hours. Nothing ever came through. I called Macy 's Amex to report the fraud and informed them I never received the tickets, the game was less than 24 hours away, and I will be purchasing tickets from another vendor -please dispute this charge. I made the purchase of the new tickets on the same card immediately after that phone call. They ensured me they would take care of it as I had never received what I paid for. My account was credited {$980.00}, until XX/XX/XXXX, when the charge reappeared on my credit card statement. I called to dispute it again and they assured me it would be credited. I have multiple emails, multiple faxes, and phone calls to Macy 's Amex to get this {$980.00} fraudulent charge removed from my credit card to no avail. Today is XX/XX/XXXX and the charge has still not been removed. Their reason- the ticket was non-refundable and the circumstances surrounding the charge offer no recourse to recover funds. Ultimately, they reversed the fraudulent charge the first time and allowed XXXX XXXX  to recharge the card in XXXX. This is illegal and needs to be fixed immediately. I have been a customer for over fifteen years and have never disputed a charge. It was reported before the event happened, and XXXX XXXX  should be held accountable for their fraudulent activities, along with Macy 's Amex for allowing the fraud. I hesitated to submit this as I am sure it will cause retaliation with a credit limit cut or closed card, but I refuse to be bullied into paying for something I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been told and have had my XXXX XXXX XXXX account accordingly notated, that XXXX did not report student loans delinquent to credit at 30 days, instead, they reported delinquencies at 60 days. This policy was due to their issues not being able to properly track student loan delinquencies and updates to payments in a timely manner. That being said, XXXX, out of the blue reported me two x 30 days and 1 x 60 just recently this year. I spoke to multiple representatives about this and was advised that XXXX could arbitrarily change their reporting policies at their discretion, but in order to assist me, would escalate the matter. It has been about a month now, and XXXX has not resolved any issues and now I have multiple late reportings on my credit where now XXXX is the only account I have this type of derogatory reporting issue. I have record of having made my payment for the past 6 months or so and will attach it. This company has become very difficult to work with since COVID happened and I believe that this is an attempt for XXXX to disproportionately preclude people from refinancing their loans out of XXXX by giving them this unwarranted and illegal black mark on their credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I sent {$300.00} to a friend via PayPal. They money was taken from my account on XX/XX/2019, then refunded the same day. PayPay then debited the funds again on XX/XX/2019. Each time my friend and I contact PayPal, we are given a different day to expect the transfer to be completed. They most recently said that the transaction would be complete today ; XX/XX/2019. We contacted them by phone today and they terminated our call. They have said that the money is being held by a " clearing house. '' Today they claim that the federal reserve has it. This is a domestic transfer of funds. I would like for my money to be returned to me ; or sent to my friend as originally requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX XXXX {$350.00} XXXX XXXX {$2700.00}
Product: Checking or savings account

I had a checking account with BOFA and I lost my debit card and someone had done fraudulent transactions by depositing and withdrawing money from card. I closed the account and the bank now says Im banned from having an account with BOFA and any other financial institutions for 5 years which is not right because I wasnt the one doing those transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX XXXX XXXX account is reporting under my XXXX and experian credit reporting agencies, this is a fraud or inaccurate information reporting under my name, i had disputed this account and was removed from my credit file, but then after 7 months it reappeared, please i need you help to get to the bottom of this inaccurate reporting. i have attached my police report and the FTC report that shows this account number and the date was opened and the balance. this is not mine, needs to be removed as soon as possible. 
thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

Genesis FS Card Services Inc., XXXXXXXX ( Account # XXXX ) as shown on my credit report, is reporting 2 late payments via XXXX, XXXX XXXX and XXXX ; my account is on autopay and I have not paid late. This is inaccurate, determinantal, and in violation of my consumer rights. 

I have called Genesis FS Card Services Inc., XXXX ( Account # XXXX ) as shown on my credit report, and they've acknowledged and confirmed a dispute will be filled internal and sent to all major credit bureaus however, this never occurred due to fact it is still on my credit report. 

This information is currently unfairly negatively impacting my personal credit limiting my ability to leverage financial tools to grow and expand my businesses/personal endeavors.
Product: Checking or savings account

I changed banks back in late XXXX, and stopped using this account, several merchants have refused to not try and take funds from this account, this has happened probably at least a 10 times or more, I don't know what happened but finally after about 50 different calls, I think. I have them all straightened out. 


This caused an excessive fee problem, which is not my fault because I updated my info with EVERYBODY else too and they managed to get it right
Product: Debt collection

This is the second formal complaint about portfolio recovery associates to the CFPB. 
XXXX XXXX at XXXX pm I received a voicemail stating the following. 
" This message is intended for XXXX XXXX. My name is XXXX calling in regards of legal complaint. Scheduled to be filed out tonight with case number XXXX. If you will not be available to receive and sign for the legal documents coming to your current residence or place of employment, you will need to contact the issuing office immediately It is It is urgent they speak Today or they will be Forced to move forward without your participation or consent You have been notified.. '' I returned the phone call on XX/XX/year> at XXXX pm and spoke to a gentleman name XXXX. I informed XXXX to cease and desist any further communication with me, or be in violation of ( FDCPA ) 15 USC 1692 C ( C ). 
XXXX was extremely unprofessional and rude. He hung up on me twice. I called back the third time and spoke to XXXX again while he thought it was funny talking to me while chewing on ice in my ear, very unprofessional. 
XX/XX/year> at XXXX pm someone knocked on my front door trying to serve me court papers. This person was caught on home video surveillance, taking pictures of my personal assets. I confronted the individual about the photos being taken, and I was told. hey pal, Im just doing my job. 
I have sent two individual letters to portfolio, demanding cease, and desist regarding this alleged debt. The statute of limitations are up and portfolio recovery associates are in violation of, ( FDCPA ) 15 USC 1692 C ( C ). I have meticulously documented seven violations from portfolio recovery associates. I will be taking appropriate actions, including filing a formal complaint and seeking legal recourse for these violations.
Product: Checking or savings account

Union Bank Claims Operations completely failed to assist me in recovering funds for three transactions totaling over {$1100.00} for goods not received. I have been trying to get the resolution since XX/XX/2019. I have been bounced around for many weeks and I am still without the goods and money. On numerous accusations, I have been told that they do not offer protection for the debit card with the MasterCard logo used to pay for goods in cases when goods are not received. They offer zero consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax via phone and mail and advised that there is fraudulent activity on my account. I have been asked to send documents supporting my identity which I have done several times and I havent gotten any response via mail from Equifax in regards to this issue. I have sent a letter regarding an address that doesnt belong to me, inquires I have no knowledge of along with collection accounts that have never been associated with me. Equifax has yet to respond to me via mail regarding a resolution. I was asked by phone to mail documents which I have done numerous times.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XXXX 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: Mortgage

The mortgage statement clearly states that I have until the XXXX of every month to pay. For my previous mortgage servicers, I have also set up automatic payment for the XXXX. Guaranteed Rate does not allow automatic payments past 5 days. I don't understand how they can state one thing on the statement and then in practice and through technology not allow it. This could just fall into poor customer service by Guaranteed Rate, but it sucks, because it is not like I can just switch my mortgage service provider.
Product: Credit reporting or other personal consumer reports

XXXX COUNTS OF FCRA VIOLATIONS REMEDY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX, XXXX PLEASE SEE MY EXHIBITS ATTACHED PROVING FCRA VIOLATIONS ( see the attached ) For the past XXXX months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. See company willfully and negligently verifying the inaccurate account for XXXX XXXX months. 

For the last time please take a look at my attachment and follow along : Item XXXX XXXX XXXX XXXX XXXX  REFORTING TWICE ITEM XXXX XXXX XXXX XXXX Reporting twice with different payment dates for the same account number. ( see exhibits ) XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past XXXX months. 

Once again they reported the same account closed several times twice also with different closing dates and date of last payment. Such as Account closed on XX/XX/XXXX, The same account closed again on XX/XX/XXXX and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? XXXX, XXXX and Equifax are also liable and in violation. 

XXXX. How can you say you call the company and verified reporting inaccurate information for 36 months of disputes? 

XXXX. How can you close the same account twice at the same time on a credit report with different closing dates? ( see credit report exhibits ) This is inaccurate and a violation of FCRA laws. 

I now have enough 36 months credit reports and responses from all XXXX, XXXX and Equifax to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 

Rather than wasting time on a lawsuit i keep pointing out these errors yet they willfully and negligently refuse to remove the inaccurate information from my credit report. 

If they fail to remove these XXXX items for my credit file by XX/XX/XXXX i will move to file a FCRA complaint in Federal court where i will ask for compensatory and punitive damages for {$200000.00} for the damages this inaccurate reporting have caused me for the past XXXX months. 

The CFPB can verify my many disputes regarding this matter and the company responses which i also intend to use as exhibits in my lawsuit if filed. 

For the last time i urge you to take a close look at the attached file/credit report showing the FCRA violations mentioned.
Product: Debt collection

I received a call from a company called XXXX telling me i was going to be receiving some legal documents and needed to call the firm that was handling my case the number that called was XXXX told me to call XXXX who clamed to be a lawyer and I was being sued by bank of America for {$10000.00} on a credit card debt I informed the man I haven't had a credit card with that bank in 20 years I don't remember any thing on or about this debt I do recall a {$2000.00} credit card I had 20 years ago I have no way of proving how old the debt is but they should have that in order to prove the debt is owed though right?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of buying a home, my credit was pulled in which it revealed accounts that don't belong to me. Under the FCRA I would like verification of the accounts.