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.

You are violating my rights! I have listed the concerns about your reporting in this document. It's 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 XXXX FTC and my Attorney General.
Product: Credit card or prepaid card

Capital One closed my credit card account which cant be done. I am the entitlement holder over the account and securities and financial assets Capital One has in the possession. I demand my account be open and unrestricted.
Product: Mortgage

Complaint about mortgage company withholding surplus disbursement of XXXX which indicates understated escrow balance for a month. During the period, escrow balance reflected XXXX less. 

I received annual escrow analysis indicating escrow surplus but no check! 

Mortgage company requires a cushion of XXXX ( or {$1100.00} ) of anticipated payment of additional funds held in escrow in order to prevent balance from becoming overdrawn when an increase due to taxes & insurance premiums. 

Despite surplus overage disbursement and required cushion, total mortgage payment increased from {$1500.00} to {$170.00}. Interest rate is fixed at 4.12505 %. 

This situation continues to occur regardless of increase of monthly payments applied to escrow. Last year was over paid ( surplus ) of {$1300.00} with an increase of monthly payments from {$1500.00} to {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Theres unauthorizes hard inquiries on my credit report 18 usc 1028A
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : 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

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I have already made a complaint about transunion violating my consumer rights pursuant to TITLE 15 USC 1681b which states that written consent needs to be given for any action to be taken. Transunion sent me back a letter saying an account was verified. How can anything be verified when transunion was not present during any alleged action? Please do your job and protect me, the consumer from this nonsense. Its affecting my ability to receive credit extensions and causing more headache and stress.
Product: Debt collection

Credit card account was opened in my name when my vehicle was stolen. Disputes with credit bureaus and creditors and submitted ftc and policy report verifying identity theft.
Product: Checking or savings account

On XX/XX/XXXX we received a letter saying our CD would mature on XX/XX/XXXX. My husband and I both signed the letter saying to redeem the CD and send funds ASAP. On XX/XX/XXXX I check my XXXX XXXX account where I had purchased the CD and it has been removed, so we assumed dollars were on the way. XXXX XXXX had sold out to US Bank. XX/XX/XXXX I contacted US bank and was told that was not the correct way to redeem but they ( XXXX ) would take care of it and rush it through. XX/XX/XXXX still no check so I called back to US and talk to XXXX who said he would rush it through. On XXXX we contacted my XXXX agent for help and received a call from XXXX, VP at US, saying how sorry she was but was not sure what went wrong. She had no authority to help or even see the records??? On XXXX received a call from US, XXXX saying check was on it way. Each person I requested to go to a US office to get my money and was refused. I ask for the check to be overnighted and was refused. I got upset and said I should receive interest for the time I dont have my money. Said no they could not do that. Today XXXX mail just ran and still no check. Please help. XXXX and XXXX XXXX. XXXX
Product: Credit card

Concora Credit performed a hard inquiry into my credit report ( XXXX ) pursuant to a credit card application that someone else ( not me ) submitted. XXXX, XXXX  XX/XX/year>, I have contacted the company ( Concora Credit ) and notified them that I had not applied for a credit card through their company, and that the application was a result of identity theft.
Product: Credit reporting or other personal consumer reports

I have disputed information that is on my Equifax credit report. I had a car loan that was charged off by XXXX XX/XX/XXXX. According to XXXX 's records my first date of delinquency was XXXX, XXXX. This date is not correct. The date of first delinquency is XX/XX/XXXX. Whether it is XX/XX/XXXX or XX/XX/XXXX still does not change the fact that this should have been removed from my credit report. According to EQUIFAX and the other credit bureaus, charged off accounts will be removed from the date of first delinquency. XXXX is no longer reporting any information on my credit report prior to XXXX because they are trying to keep negative information on my credit report. Reporting XXXX would allow Equifax to know that this account was delinquent way before XX/XX/XXXX. I disputed this information with you already and in XXXX 's response they said that my date of first delinquency was XX/XX/XXXX. Why is this information still on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries on my credit. 

XX/XX/XXXX credo XX/XX/XXXX XXXX XX/XX/XXXX jpmcb
Product: Debt collection

The company is attempting to collect a debt that is past that statute of limitations in Oklahoma. Per Oklahoma Law " Collection of Rents is 5 yrs. Tit. 12 95 ( 11 ) ''. The debt is from XX/XX/2010, which is well beyond the limitation set by the state of Oklahoma.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a letter from XXXX XXXX  XXXX XXXX advising that after initially approving our auto lease on Sunday, XX/XX/XXXX they are choosing to deny the financing due to additional credit information later pulled from a company called SageStream , LLC. My credit score based on XXXX  was XXXX and according to SageStream was XXXX. The most unacceptable and I find that has to be unlawful toward consumers is retracting a loan weeks after approval based on a credit report that I did not authorize. Along with that at this point a month out from initial loan inquiry my credit score has dipped due to new debt this auto loan created and multiple credit inquiry hits. I have also paid fees to the dealership that can not be refunded. As a consumer I find it has to be illegal to perform these reports after initially approving loan. Should I have to return the vehicle or seek out alternative financing now I will not qualify for rates I would have a month ago. This has put me in a financial situation that should never been acceptable. If they wish to use SageStream LLC then they should be pulling this information at the dealerships along with 3 major scores. We signed a contract and it was approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and XXXX attach the supporting documents Please remove this fraudulent account. 

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

I have had this loan from XX/XX/XXXX and then refinanced in XX/XX/XXXX. I have been paying {$100.00} as of XXXX of last year ( XXXX ) for 2 years. My interest rate is through the roof at 56 % and I have seen no change in my principal balance. After doing my own research, I learned that most financial institutions have interests rates between 3-36 %. There was one instance ( XX/XX/XXXX ) where I called to start really attacking my loan principal to pay off the loan early, I paid an extra {$50.00} and it did not go to the principal. I then called to talk to a rep and they said they don't know where an extra payment will go because it is computer generated. This is a predatory loan, I have contacted other financial institutions to get this refinanced to pay off so that I can actually pay the loan off and have a guarantee that if I make an extra payment on top of the original loan payment it will go to my principal. At this rate, this loan will never be paid off. From the payments, I have made since the inception of the loan I've already paid it off, the total amount is {$4700.00}. From the contract if I continue to pay, I will have paid triple the amount of the original loan which was {$4300.00}. On XX/XX/XXXX the Attorney General of Virginia sued Net Credit and other companies for predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX
Product: Credit reporting or other personal consumer reports

I would like for all the incorrect information to be removed from my credit report because I did not authorize nor did I open those accountsXXXX XXXX  needs to be removed in the balance of XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX XXXX with a balance of XXXX dollars needs to be removed from my credit that was opened on XX/XX/XXXX that's not my car, and XXXX XXXX needs to be removed. I would like all the inquiries removed because I did not open those accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX don't belong to me. I would like my name spelled correctly along with the correct address.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 in 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 XXXX  days before the payment due date. 


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 XXXX  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 reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX  XX/XX/2020, XXXX XX/XX/2020
Product: Mortgage

PHH Mortgage Services, XXXX XXXX, NJ XXXX. 
My mortgage servicing company PHH Mortgage Services, XXXX XXXX, NJ XXXX. This company has been harassing me and my family for over XXXX months. They call many times daily and they consistently mail threatening letters of harassment & threats. They say I am behind on my payments. However, I have never missed a payment. I try my best to explain to the bill collectors that constantly harass me and my family and sometimes some of them even get it. I mean they can actually see that I never missed a payment. However, that recognition by some, never stops the harassment I receive from all the other PHH collectors. I even have supervisors who are not willing to see that there has been a serious mistake made on my account. This must stop now. PHH Mortgage Services, XXXX XXXX, NJ XXXX. Must take the time needed to fix this ongoing injustice and it most certainly will take someone for the Corporate office to correct and compensate.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE - XX/XX/XXXXXX/XX/XXXX I was not aware of the hard inquiries listed above, I am just recently seeing these on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On my Credit Report on XX/XX/2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value.

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Its hurting my Confidence and i am the natural person.
Product: Credit card or prepaid card

Jeffereson Capital Systems alleges I defaulted on my credit cards and that my account was purchased against my will. I had no knowledge of my account being purchased and request documents and proof. 

Jeffereson Capital Systems has forced a court suit to a family member in my name against their will and wishes
Product: Checking or savings account

I called because my account had some unauthorized or unrecognized transactions. I could barley understand the rep so I told her I'd call back the next day. Well she then disputed every transaction to which they ended up juet closing my account and sending me a check for XXXX they completely forgot and kept about XXXX of that. Previously in the last two weeks of my account a person was reassigned the phone number I had for 20 years. They were logging into my banks, school, cashapp, irs, using two step verification. I tried to explain that to chime and they sent me several emails stating they're sending my remaining money via check, only it was missing about XXXX grand.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This is the company involved- Vance and Huffman LLC ( XXXX Credit Report ), for {$2000.00} open balance debt opened on XX/XX/XXXX, and I am not aware of this. They put the report under collections. Please delete. 

2. XXXX XXXX XXXX ( XXXX ) - this is also reported as a collection on XX/XX/XXXX, with zero open balance. Please delete the report. 

3. In accordance with the fair credit reporting act, these companies mentioned above have violated my rights. 

4. 15 USC 1681 Section 602 states I have the right to privacy 5. 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions 6. 15 USC 1666B - a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 in MONTHS REPORTING LATE 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.

This company 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 1002 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: Checking or savings account

Every time I talk to the company at least local branch and the branch in New York all they do is tell lies. Now theyre charging me a {$35.00} overdraft fee for {$100.00} and they still in my checking account. I want the XXXX branch of XXXX XXXX XXXX. and XXXX XXXX I want the main workers there to be imprisoned. The security cameras for ATM machines security cameras inside the bank especially the ones around XXXX XXXX and XXXX need to be monitored and their computers need to be tested by someone that can tell if things have been altered including all IT systems because their bank statements dont match ATM machine receipts from right outside in the lobby. This is the fifth report about TD Bank in the last week they should be banned from doing business in the United States at this point because theyre stealing money. I never withdrew any money yesterday and now they are charging me an overdraft fee for the charges. In the past when Ive spoke with them they just try to say it its all my fault. Im done trying to deal with this bank. I want a federal investigation into every account Ive ever had with TD Bank. Than you.
Product: Credit card or prepaid card

I have a loan with CAP1/XXXX  with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in different months of 2019 was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.