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. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from 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 an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, 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. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX XXXX XXXX - Account Number:XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion Credit Report because I have credit inquiries that I have no idea of and they will not do anything to remove them
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint concerning persistent inaccuracies and procedural deficiencies in the handling of my credit report by multiple reporting agencies. Upon reviewing my credit report in XX/XX/year>, I identified several discrepancies that misrepresent my financial behavior and creditworthiness. 

Identified Accounts with Discrepancies : 1. XXXX XXXX [ Account Number : XXXX ], 2. XXXX XXXX [ Account Number : XXXX ] **, 3. XXXX XXXX [ Account Number : XXXX ] **. 

Despite notifying the concerned agencies and requesting a thorough reinvestigation, the responses I received assert that all information is complete and accurate. This conclusion is demonstrably false and contradicts the evidence I have attached with this letter. 

Legal Grounds for the Complaint : 1. Fair Credit Reporting Act ( FCRA ) Requirements : The FCRA mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of consumer reports ( 15 USC 1681e ( b ) ). 
2. Duty of Furnishers of Information : Under 15 USC 1681s-2, furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. 
3. Obligations Upon Dispute : As per 15 USC 1681i, if a disputed item of information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected by the consumer reporting agency, which then must notify the furnisher of the change. 
Issues Encountered : 1. Inadequate Investigation : The agencies have failed to perform a proper reinvestigation as mandated by 15 USC 1681i. The evidence I submitted, which highlights discrepancies, was overlooked or ignored. 
2. Lack of Communication : Contrary to 15 USC 1681i ( 7 ), I was not provided a detailed description of the reinvestigation process within the stipulated 15-day period following my request. 

Request for Action : I respectfully request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are addressed by having the disputed accounts deleted from my credit report, in accordance with 15 USC 1681i. This action is justified given the failure of the credit reporting agencies to adhere to the statutory requirements regarding the accuracy and verification of reported information. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX, XXXX.
Product: Mortgage

During the covid pandemic we had our mortgage through Bank of America ... they offered us the Covid protection program where we could defer our mortgage payments during the pandemic and they would simply put the balance of missing payments to the end of our loan... not changing our rate or payments. We entered the program and were told that our first payment of reinstatement would be XX/XX/2021. We called on XXXX XXXX to make that payment and were told we couldn't make it because we didn't submit the proper paperwork... we questioned what paperwork. We were told something was sent in the mail. We did not receive any such paperwork. They told us they would re-send it and should receive in two weeks. We didn't receive it in two weeks and re-called them. The next person told us we could make the payment and once again they would resend the paper work. Which again never came. We called on the first of XXXX, XXXX and XXXX and continued to make our payments... each time being told we were fine ... all the while receiving statements in the mail saying we were getting further and further behind in our payments, but being reassured each time on the phone that we were in the covid program and were fine. We received a foreclosure warning XXXX and called again. They told us to make a second payment in XXXX, which we did by phone. Immediately after we were informed that our Mortgage had been sold to XXXX XXXX. XXXX XXXX has demanded the {$40000.00} which was supposed to be added to the end of the loan from the deferment program. They are refusing to acknowledge the covid protection program that we were in with Bank of America. Bank of America sold our loan without adding those deferred amounts to the end of our loan as promised. We now have to come up with {$40000.00} in funds that we do not have thanks to the pandemic to keep the home we built ourselves and have lived in for 15 years. We feel that Bank of America was fraudulent in their covid protection program for selling our loan before finishing the restructure of our loan. XXXX XXXX insisted that we apply for a loan modification which we make more then enough money to cover our payments and they denied it.
Product: Credit reporting

an amount on my credit report which is not in my name nor have I had a history with this company
Product: Credit card or prepaid card

About two years ago my original checking account Chase Bank Visa debit card was cancelled for fraud by someone in the State of Florida trying to empty my banking account by billing other websites without my permission by the bank, while I'm living in XXXX. 

I have been unable to have a replacement Chase Visa card mailed to me 8 times possibly for theft within the XXXX postal service. 

I went to the local Chase Bank branch for help in XXXX XXXX XXXX, but they will not even allow me in to office to get help only being for large corporate account clients. 

I have talked to the bank 's customer service several times trying to get a card with no success. 

I even asked Chase Bank customer service to have a new card sent to my forwarding address service ; which they refuse to do to use XXXX or XXXX to get a new card to me at my own expense using my former XXXX Visa debit card tied to XXXX which is now also unavailable for my use with XXXX mail forwarding service. 

I have suffered much as a retiree in the first three weeks without a Chase Visa card to have money in XXXX with much stress. I had funds transferred using the service XXXX to the hotel manager in XXXX using those funds to open a local bank account with Visa card that saved me. Since then the XXXX XXXX government has changed their laws against foreign tourists not working inside XXXX or having a corporate business inside the country. I was lucky in having a grandfathered in local debit card with XXXX XXXX  available to use only domestically inside XXXX, but can not pay for any international product purchases or service transactions. 

XXXX also has an international account access via MasterCard debit card that is unavailable to me to solve my situation, but will not allow because of residence within XXXX. 

Two days ago I called Chase Bank customer service, but was hung up on because of poor connection service from XXXX using my US telephone forwarding service XXXX, which is not Chase Bank 's problem. 

If a new card could be sent to the local US Consulate Office in XXXX XXXX XXXX for me to pickup in person for example would be quite helpful to my situation. 

I'm trapped inside the country because of Covid now with no way to fund further travels if I so desire in the future making even returning to the US difficult after arrival. 

The XXXX locals I give money to do online transactions for me but sometimes am cheated.
Product: Checking or savings account

I received a notification from Truist that my new debit card was returned to them undeliverable, I tried to call them many time waiting more than 45 minutes to speak with someone, was impossible. 
So I need to request a new debit card for each account I own with Truist XXXX XXXX XXXX XXXX XXXX XXXX To be sent to my mailing address on my profile. 
Thanks
Product: Credit reporting

I contacted CFPB to dispute a negative mark XXXX XXXX XXXX collecting a debt for payday loan yes. it showed XXXX in 2008. I have never heard of payday loan yes. I never received any correspondence from XXXX or XXXX loan yes. Their response to CFPB is on file case # Case number : XXXX ; however, the negative mark has not been deleted from either credit bureau as promised. I also disputed with the credit bureaus and informed them of the response on CFPB ; however, they continue to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A person other than me opened an count purportedly with XXXX XXXX XXXX Credit Card Company. The account is not mine. I have sent 3 notices under Section 609 FCRA demanding that XXXX XXXX provide to me certain documents mandated under Section 609 FCRA. It has been over 90 days since my demand under Section 609 FCRA and as of this complaint submission XXXX XXXX has FAILED to provide the mandated documentation under Section 609 FCRA. XXXX  continues to allow the company to report the derogatory item all the while being in violation of Section 608 FCRA. In fact, XXXX  will not even allow for another dispute to be initiated even though XXXX  has failed to comply with Section 609 FCRA by not enforcing Section 609 FCRA with XXXX XXXX.. 

I am attaching notice of a lawsuit filed against XXXX by the FTC fir these very same violations. Neither XXXX  nor XXXX XXXX should be allowed to continue to violate the FCRA. I am also attaching XXXX Notice prohibiting another dispute. Additionally, XXXX  has an error problem on their document upload it does not allow you to upload the documents. 

It is within the jurisdiction of the CFPB to require both XXXX  and XXXX XXXX to comply with Section 699 FCRA. As of the submission of this complaint BOTH are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that SunTrust Visa ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, SunTrust Visa never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the SunTrust credit card collections department with no success. SunTrust has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on SunTrust 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with SunTrust. I do not understand why SunTrust would allow my credit scores to be so badly damaged by a single oversight.
Product: Checking or savings account

I am filing a compliant with the CFBD regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED  ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -This is not my account.
Product: Bank account or service

My IRA which I transferred from my XXXX what was left to keep from loosing any more XXXX to XXXX after being told by the Vice President, and Customer Service that it was a Federal Law that a IRA could only be by Myself or the IRS for back taxes. I later had the same thing told to me by Vice Presidents, Legal Dept., Customer Service Dept.in XXXX, XXXX XXXX, California, Florida & North Carolina. Even the woman in Florida that disbursed the check to XXXX XXXX XXXX till she found out who I was with my file. When she returned to the phone " we did nothing wrong, and there is nothing you can do '' and hung up would not answer my calls or return my calls.
Product: Money transfer, virtual currency, or money service

PayPal ran an offer for " Free {$10.00} for any amount of XXXX purchase '' offer. On XX/XX/2021 I bought {$40.00} worth of crypto currency. 

On XX/XX/XXXX, I decided to purchase {$260.00} more of the same crypto currency based on its upward trends. 

On XX/XX/XXXX, since the crypto currency I own was dipping, I decided to attempt to purchase {$100.00} more. After trying, I immediately was notified that my PayPal account had become restricted. I followed the steps provided by them to lift the restrictions. This involved uploading an image of my driver 's license, providing a bank statement, confirming the last four digits of my SSN, and commenting on a recent transaction ( but PayPal did not provide me which transaction to comment on ). 

On XX/XX/XXXX, I was notified by PayPal that all restrictions on my account had been lifted. I once again attempted to purchase said crypto currency, however this time received a notification telling my my account was permanently. Not only am I restricted from using any of their services, but put a hold on my funds for 180 days. 

I called their Customer Service, and ultimately was a waste of time. When I asked for the specific reason why my account was permanently restricted, the man said that information was " Confidential and Proprietary. '' The only anomaly in all of this, was the fact that I had recently installed and been using a VPN service for a reason completely unrelated to this. If PayPal banned me for using their service with a VPN, like I said earlier they would not disclose to me, ALSO using a VPN is not listed in their Restricted Activities and Holds section of their User Agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian documents proving that the bankruptcy was reported by XXXX XXXX that there is no public record shouldn't appears on my credit report it was reported as someone gain access to my information and used it, so they could not verified it with no proof.
Product: Debt collection

10 total accounts for Financial Data Systems : XXXX {$140.00} XXXX {$100.00} XXXX {$180.00} XXXX {$180.00} XXXX {$140.00} XXXX {$180.00} XXXX {$140.00} XXXX {$86.00} XXXX {$87.00} XXXX {$140.00} I started off with bad credit because of debt that I didnt even know I had. After contacting My medical billing office several times, they claimed that they can not do anything about claims sent to collections. These accounts were paid off all at once at the beginning of this year. They have been paid off for months now and theyre still hindering my credit. 
To this day theyre trying to collect several hundreds of dollars from me. At the beginning of this year I tried paying everything off through the company itself as well as through the debt collection company. I was successful with the debt collection company, but the medical facility now has inaccurate records for what I owe them. I have been harassed all year long for an amount that I do not owe them. Ive tried to get in contact with them and they refuse to meet with me. They just tell me I have to call and talk that way. Which has gotten me nowhere. I would like for all of this to be put to an end.
Product: Checking or savings account

My checking account was charged below minimum balance fees that should not have been charged. The amount charged was {$42.00}. I stopped by two branches ( XXXX XXXX, XXXX XXXX on XXXX and XXXX, PA on XXXX ) and they would not refund the charges.
Product: Debt collection

XX/XX/2020 WE my wife and I bought a set of sofas and a Bed.XXXXand XXXX. 
WE paid XXXX debit card XXXX credit for each item. 
THE furniture CO deliver the bed but the haft of the sofa in XX/XX/2020 the other haft was some were in warehouse. I was guarantee to get it in two weeks. 
I received the haft of sofas set on XX/XX/2020.and they are charging us XXXX for delivery of that sofa. 
In between the situation we went to the store to claim some credit and the mistreated us. 
They suppose gave some credit to us but we never see it. 
I paid off the account and they created another account on my name with the balance of XXXX.and at this date they still charging interest to it which I never going to pay.
Product: Credit card or prepaid card

When I miss placed my credit card, I called the issuer American Express ( Amex ) and they issued a replacement card. I started to use the card and I setup the online account and I paid my first statement on the due date XX/XX/2023. I kept on using the card after I requested my due date to be changed to the XXXX of each month to arrange my payment to other cards I had. On the following month of XX/XX/XXXX, I attempted to make full payment to what I owe but I found ( Amex ) considered my payment was late and provided me with the next month due date which included late fee and interest. I called the customer care and explained everything and asked them to credit my account so I can make my payment but he answered that he tried but the system couldnt accept his effort because I had one late fee removed before which was not correct. I asked to speak with a supervisor and I explained everything again and his answer was the same so I told him I wasnt happy with his bank and I felt they are imposing unfair banking practice to inflate their profits. I called again on XX/XX/2023 and I told the associate that even though I was not happy but I make a full payment to avoid any future consequences of excessive charges and he promised me to upscale my complaint to the highest level to investigate then they will get back to me with their finding!! What adds more problems is now they are charging me extra interest because I missed my ontime payment before so my question to the customer care rep what I wasnt informed by the internet when I made my payment he kept apologizing but couldnt credit it that is a steel and XXXX off Please help! Thanks.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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

In XXXX I open a credit card account with XXXX XXXX, account # XXXX I ended up being laid off from my job and could afford the payments anymore, I tried to keep up with them but could not, XXXX XXXX   ended up charging this account off, and sending it to collections which they were paid for because they sold my debt! I ended up paying the collection company for this account back in XXXX. I ended up paying before it went to collections. 

The problem is this account has been paid and closed since XXXX and yet, XXXX XXXX XXXX  is still reporting MONTHLY on my credit report XXXX, XXXX, XXXX XXXX, they are still reporting it as a charge off monthly and by LAW! They can not do that, and every month they are hurting my credit! This account should have stopped reporting back in XXXX when they were paid! 

Im not sure why XXXX XXXX XXXX is trying to ruin me and my credit, when I was able to open another account with them 2 years ago and I manage that account well no issues or payments ever being late. I have not had any late payments with any of my creditors since this and its hurting my credit it should not be reporting.