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 , FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX Balance : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a complaint to both XXXX and transunion about fraud account inquires in my credit report i even submitted a police report showing ive been dealing with this problem.
Product: Mortgage

Webster Bank reports 120-180 days lates every month and this accounts date of last activity was XX/XX/2012. This is illegal to do and was never properly charged off or reported correctly. They have ignored my attempts at fixing this and we need you to hold them accountable for their FCRA violations. See attached screenshot
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX  Balance {$0.00} XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, 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 the Experian, XXXX, and XXXX to reinvestigate these accounts : Account XXXX bankrupcy 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 suppose to modify accounts that isn't reporting correctly.

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

On XX/XX/23, I submitted disputes to the credit bureaus for an account appearing on my credit report, XXXX XXXX XXXX. I never received a response back so I went to the company directly and mailed them a letter on XX/XX/23. Still no response. Then I filed a complaint with the CFPB bureau, the company finally responded and said they mailed a letter on XX/XX/23. I believe this is a lie, because today is XX/XX/23 and the mail does not take 30 days. All I requested was simple validation/verification of the debt, any information at all, and the company also stated in their response to my complaint on the CFPB website that they could not provide me with any documentation, but that I had to go to a local branch. MAJOR RED FLAG. As I continued to wait on the mail they said they sent, I went over the letter again they posted in the CFPB website. The letter was photoshopped and it is so easy to see. My name, account number, and DATE, were photoshopped on a letter, I guess to make it look like they actually processed my letter to them. They continue to report information on my credit report, yet are unable to send me any information and are doctoring letters to make it look like they received my letters and responded to them. I have yet receive anything from TransUnion, XXXX, or XXXX about this account, and my credit report does not say that this account is in dispute either.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In keeping with federal guidelines and applicable state mandates, no being can report injurious details if diverged from ethicalness, truth, fairness, accuracy, adequate completeness, necessary timeliness, verifiability, validity, and/or certifiable compliance of reporting mandates elsewise. 

Particularly of an infraction is if and when a reporter ( s ) and/or any receiving repository ( ies ) act willfully NON-obediently and/or in seeming negligent ignorance and/or be it with reckless abandon as related to expectations and actual credit reporting behaviors. 

Failure to ensure adhering to established credit reporting standards does NOT necessarily lend to factually erroneous or incomplete claims being allowed to report injuriously and unfairly so versus a consumer ; however, it is not contestable that the very deliberate nature of standards in the industry is to better afford participants to act in greatest accord to vicissitudes legally. 

Hence, the CDIAs own CRRG manual detailing the requisites for alleging consumer information, within the imperiously exercised XXXX XXXX Data-filled Field Formatted reporting standard ( s ), of which there can be no deviation from without endangering the integral probity let alone rectitude of claim ( s ) made by any reporter and accepted by any repository of consumer credit facts.

It is lack of provable integrity that lays the very foundation for a potentially injured consumer to be concerned of any claim ( s ) s not yet documented data forwarded that lacks certainty of fact.

For this and other reasons I will outline further below, I DEMAND THAT YOU REMOVE NOW AND for good THIS CURRENTLY IMPROPERLY recorded ALLEGATIONS, be it inept due to reporter failure to satisfy privilege to report, or be it due to any involved body of claim to successfully navigate through and beyond the challenge I have presented and demanded of each such company ( ies ) to confirm detailed evidence demonstrating factual certifiable compliant reporting procedures, practices, and standards were absolutely adhered to in full accordance of mandates that any MUST have obeyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/2015. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Balance : {$570.00}
Product: Credit card or prepaid card

I purchased home appliances and received {$600.00} in rebates from a vendor called " Prepaid Digital Solutions ''. These came in the form of pre-paid XXXX that could be redeemed physically or virtually. 

Given that prepaid cards are notoriously difficult to use given the restrictive nature of purchasing goods that exceed to total amount, especially online, I tried to use one of the cards totaling {$200.00} to purchase a merchant e-gift card to buy an item that was over that amount, so I could use a different form of payment to cover the difference. The transaction was declined repeatedly for reasons unknown to me. 

I started a live chat with their support team to troubleshoot the issue and was told that these cards were not authorized to be used for that purpose. When I asked why and for them to highlight language in their terms and conditions that specifically stated that, the agent admitted that language did not exist in their terms and conditions covering that topic. 

So, I am being told I can't use money that belongs to me in certain ways, but that is not legally stipulated in a contract, and no accommodations were provided by the company to remedy the issue. 

They also did not provide a post-chat log for me and the chat cleared before I could take screenshots to document my case.
Product: Debt collection

I received a text last week XX/XX/year> from XXXX XXXX XXXX saying to collect a debt of {$690.00}. Bu I have never had any business, history or payments through XXXX. This debt does not belong to me. Also, if they are saying this is my debt I have never received an mail in regards to this service or bill if it ever existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it says its a charge off with a past due balance. According to the law and fair credit consumer laws they received a 1099-c, tax credit and by law due not owe that balance. Also this is a third party. In accordance with the fair credit reporting act XXXX  act USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

USC 1681 section 604 Did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission. By law they need written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking advantage of due to malpractice while several laws were being broken under the XXXX BY YOUR company. This has caused me FINANCIAL INJURY, DEFEMATION OF CHARACTER, I CAN'T APPLY FOR JOBS AND I CAN'T APPLY for CREDIT I can't even get an SBA LOAN OR ANY THING LIKE THAT DUE TO THE PANDEMIC under this crisis you have hurt my ability to obtain credit. My child and I are suffering, and my family have made a mockery of us, and my community has looked down upon me. I am ashamed of the things I am going through, and it is a nightmare for me and my loved ones. I am beyond fed up and I am willing to take this issue to the furthest extent of the law if a remedy is not presented under the federal law and uniform commercial CODE.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I f
urther remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Debt collection

On XX/XX/XXXX, there was a collection account opened at collection company named COAST PROFESSIONAL with the amount of {$3000.00}. I was not sure what was this bill about as it stated that the original creditor was from my XXXX school that I graduated in XX/XX/XXXX. I had never received any email or bill from my graduating school that I owed them any kind of bill. To my best knowledge, I only had government loan and the rest I paid my tuition using my own savings. So when I received this letter in XX/XX/XXXX, I was not sure about the letter and thought it was not true. I also gave birth to my child around the same time and did not react to the letter in a timely manner. I reached out to my school in XX/XX/XXXX and school had informed me that they had made a mistake on billing and sent the amount owed to collection. I immediately paid my bill off of the amount {$3000.00} after knowing that the letter was sent to me correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX OF XXXX. Account # XXXX and XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Credit card

XXXX XXXX I called credit XXXX on XX/XX/XXXX about my payment date wil change from the XXXX XXXX the XXXX to the XXXX of the XXXX because XXXX notified me by mail that my payment will change to the the XXXX I dont remember the associat iv spoke to they inform me that they made a note of this I also let them know that i have documentation of proof so after the XXXX XXXX i called back to remind them this they ok me again then the new year came i took a look at my account online an there it was a late fee of {$25.00} alsobe advised i never was late on payments an paide in full so i called them an they was XXXX to my complant so i told the i was going to pay the blance with out the late fee an i did just that an cancel my subscription so thats when they it takes XXXX weeks so they refuse to take off the late fee an they added a 5 % XXXX now its {$30.00} so i ask for you help Thanks
Product: Checking or savings account

My account was hacked into and funds were withdrawn by a company that I did not authorize and the bank didnt do much about it other than file an investigation. That was it it was not handled properly and I feel my funds are in jeopardy.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this inquiry nor did I consent to you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with Equifax for a number of years ( primarily with their identification questions, which tend to have nothing to do with me ), but my most pressing problem at the moment is my inability to freeze my credit report, either via telephone, app, or website. I have made numerous attempts to log into the service ( and have changed my password several times ), with no success. In XXXX, Equifax mailed me a special identity-confirming code, which failed to grant me access. At this point, I fear that it I were to successfully freeze my report, I might not be able to un-freeze it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian and spoke with so many people in the special handling department stating they would delete these inquires once I have submitted an identity theft report. I submitted this report several times with no resolution. I have attached the ID theft report to this complaint to make sure they get it!!!!!!! I explained that someone has completely stolen my identity and trying to open accounts in my name which is not me.