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. 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the unresolved issues surrounding the credit accounts held by XXXX XXXX and XXXX XXXX. Despite numerous attempts to resolve these matters, I have yet to receive adequate proof of debt validation or documentation outlining the transfer of alleged accounts from XXXX XXXX to XXXX XXXX. 

First and foremost, I demand to see the purchase agreement that demonstrates XXXX XXXX transfer or sale of alleged debt to XXXX XXXX, as well as the original contract between myself and XXXX  XXXX, including any signatures authorizing the service. It is imperative that I receive full transparency regarding the handling of my account. 

Furthermore, I have evidence of XXXX XXXX removing an account with a balance of {$860.00} from XXXX and XXXX, indicating a lack of validity in their claim against me. This action will be utilized in support of my claim against XXXX XXXX, alongside the failure of your compliance manager, XXXX, to provide adequate documentation as required by the FCRA law. Merely sending statements does not constitute proper debt validation. 

Additionally, I must emphasize that I was never notified of being in collections, and therefore require thorough documentation to substantiate this claim. I demand to see the debt validation paperwork as mandated by law. 

This letter serves as a final opportunity for XXXX XXXX and XXXX XXXX to rectify these issues by promptly removing all XXXX XXXX collection accounts from my consumer report. Failure to do so will leave me no choice but to pursue further legal action to protect my rights as a consumer. 

I expect a timely response and the resolution of these matters without further delay. 

Furthermore, I want to emphasize that this situation is a clear violation of 15 U.S. Code 1681a, which explicitly excludes transaction history and experiences from consumer reports. The inclusion of unauthorized information, such as the account from XXXX XXXX, on my consumer report constitutes unfair and deceptive business practices. This places TransUnion in jeopardy as they allowed this information to be furnished. 

I am giving XXXX XXXX, XXXX XXXX, and TransUnion a strict deadline of 15 days to remove all XXXX XXXX collection accounts from my consumer report. Failure to do so will result in a charge of {$1000.00} per day for each day that unauthorized information remains on my consumer report. If accounts are not remove I will be Filing a identity theft report on transunion, XXXX XXXX and XXXX XXXX and report companies to the ftc
Product: Credit reporting or other personal consumer reports

I have tried to communicate with the following entities as they have inquired my credit on XXXX  and XXXX and I have tried to reach out but no luck trying to have someone who can help. 

I have been advise by a customer service lady that I can complete this form to have someone who can help - Xactus LLC XXXX XXXXXX/XX/XXXX I called and the lady asked for my full name and info. She wasnt able to find any account with my name and couldnt help me XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Same story as I called and was told that couldn't help me and to get account number for them to find account and they appear two times. 

XXXX XXXX XXXXXX/XX/XXXX called and no information was able to be provided XXXX XXXX XXXX XX/XX/XXXX called and no information was able to be provided. even when to the branch but they saud to go online or call XXXX XXXX XX/XX/XXXX
Product: Credit card

I transferred a small balance from an interest charging credit card to Discover card so that I could take advantage of an interest-free offer for a specified period of time which I believe was one year. Apparently that time period has expired inasmuch as they have, without ANY prior notice, charged me interest on the balance effective this month ( XX/XX/XXXX ). I have done this with other cards in the past and I have always received notice that the 0 % interest rate is about to expire. I have double-checked the prior 2 moth 's statements just to be sure I did n't miss something! I can not find anywhere on those XXXX statements where I was in anyway notified that my 0 % interest rate was about to expire.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the account was still erroneous. The XXXX credit bureaus must validate these accounts in order for me to establish a good record. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Recently, someone had accessed my bank account tried to steal a lot of money from me actually 2weeks ago. Today XX/XX/XXXX I have received another phony bill in my name by mail. The bill is dated XX/XX/2020 in the amount of XXXX. I have NEVER applied for an account with National Credit Adjusters/XXXX  XXXX XXXX which is whom this claim is about. I have not attempted to contact the business because as I mentioned that someone had attempted to break into my bank account. I did place a lock on my credit report with all 3 reporting agencies. I do not know if National Credit Adjusters is even a real company.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their mishandling of a collection dispute I re-submitted on XXXX. I have submitted numerous times previously but I am not able to pull dates online as they are not able to be viewed online. 

I have a collection account listed on my Experian credit report from XXXX XXXX XXXX for {$XXXX}. I believe this collection is inaccurate and should be deleted from my report for the following reasons : Incorrect dates or amounts Payments not reflected Debt not legally enforceable Incorrect Notice and Move-Out Dates : Your records incorrectly state the notice date as XX/XX/year>, and my move-out date as XX/XX/year>. However, I provided written notice of intent to vacate on XX/XX/year>, and officially vacated the property on XX/XX/year>, as supported by my email correspondence with the community XXXX. In that email, the community XXXX authorized leaving the keys in the drawer upon departure, which I adhered to. 

Misapplication of XXXX XXXX : The lease explicitly states that management is required to apply any held funds, including the security deposit, towards any outstanding balances. This was not reflected in the final statement provided, which is in direct violation of the lease terms. 

Unlawful Late Fees : The lease states that only {$XXXX} late fees are valid. The imposition of daily {$XXXX} late fees for a period of XXXX  days ( totaling {$XXXX} ) is not mentioned anywhere in the lease agreement and constitutes an illegal practice under applicable XXXX  law. As such, I am not obligated to pay these charges. 

Other Discrepancies : The total outstanding balance of {$XXXX} includes charges that are ambiguous and unsupported by documentation or contractual terms, further invalidating this claim. 

I have provided Experian with a lease, a document of charges including charges that are not legally chargeable, proof of inaccurate dates listed, and proof deposit was never credited to the final balance. Despite submitting this evidence, Experian has maintained that the collection is valid. I believe Experian is not conducting a thorough investigation of my dispute and is failing to properly review the evidence I have provided. 

I request that the CFPB investigate Experian 's handling of my dispute and take appropriate action to ensure they comply with the Fair Credit Reporting Act ( FCRA ). I also request that Experian be required to delete the disputed collection from my credit report.
Product: Credit card or prepaid card

Hello, in XXXX I was abroad in XXXX and took a cab from the airport which I was quoted and told is XXXX XXXX  real = XXXX USD. I used Citi credit card to pay for the 30 minute cab ride. The taxi driver quickly rushed me out of the car, swiped my card through the window using his phone paying system, did NOT obtain my signature and just drove off. 20 days later when I checked my statement from Citi card I realized I was charged {$420.00} for that cab ride! I was overcharged {$410.00}!!! I immediately contacted Citi and they reversed the credit pending investigation. They ruled out in favor of the merchant citing I did not have enough proof. How could I provide proof for something that I never approved or was never given a receipt neither did I sign anything??? I was scammed abroad. 
Customer service of the merchant does not provide English support so they are of no help. When I called and emailed Citi cards 3 times explaining in detail and talking for hours on the phone with different representatives, they are not willing to investigate further or obtain proof from the merchant, they are putting this responsibility on me, the consumer, who was scammed and a victim of bad business. They refuse to reopen the claim citing I still would not have the evidence. And in the explanation letter they are pretty much threatening to report me to the consumer reporting agencies if I do not pay the required and full amount ( which I believe is illegal to do so by FTC ). 

It has been the worst experience with the bank pretty much telling me it is my responsibility to pay over {$400.00} in charges I never authorized. This must be illegal and not fair towards the consumer. 
Please help me with this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Checking or savings account

I HAD CREDIT CARD FOR XXXX DOLLARS MY BANK CHASE CHARGED IT UP TO XXXX I DID NOT AUTHORIZE THIS AND I HAD ALL MY ID BIRTH CERTIF SS AND DRIVER LIC STOLEN SOMEONE USED THIS AND RACKED THIS UP I HAD AND PAY ALL MY BILLS I AM ON XXXX AND THE BANK ALSO RELEASED MY SOCIAL SECURITY MONEY UNAUTHROIZED TO A COMPAY THAT I DO NOT OWE THEY OWE ME XXXX DOLLARS AND TRYING TO REVERSE LIKE I OWE THEM I CONTACTED MY BANK AND EXPLAIN TO THEM THEY WANT TO PUSH BLAME WHERE NOT DUE UNDER THE LAW MY SOCIAL SECURITY MONEY SHOULD NOT BE RELEASED UNDER ANY CIRCUMSTANCES AND THE XXXX LIMIT IS WHAT I OWE NOT XXXX APPROX I WANT THIS HANDLED AND REMOVED FROM MY ALL CR REPORTS AS IT IS NOT N=MINE I REPORTED OVER 2 YRS AGO ABOUT THE CARD BEING STOLEN THEN THEY CAME UP WITH SOME LAME EXCUSE OF DIFFERENT FAMILY MEMEBERS THAT HAVE NOTHING TO DO WITH THIS AT ALL NEVER EVER I AM SOLE OWNEER AND NO ONE HAD A CARD I ORDERD ONE BUT RIPPED IT UP FOR THE FACT THEY CHILD DID NOT NEED IT SO I ALSO CALLED TO TAKE PERSON OFF THE EXTRA CARD. THIS IS CRAZY I AM A VICTIM AND I WANT MY SOCIAL SECURITY MONEY BACK FROM THE BANK AND ALL NEG MONIES REMOVED FROM MY CREDIT REPORTS I WIL PAY THE XXXX NOT A PENNY MORE AS I DO NOT OWE IT. HOW COULD THIS BE A XXXX DOLLAR CARD RACKED UP XXXX THEY ARE LIARS AND STOLE MY SOCIAL SECURITY MONEY XX/XX/XXXX TILL XX/XX/XXXX I REPORTED IT THEN AND NOW IT FINALLY IS COMING I BELIEVE TO A RESOOLUSTION EXCEPT THE XXXX I DO NOT OWE ARE THEY CRAZY IF THEY CAN RELEASE MONEY UNAUTHROZIED KNOWING ITS SSI MONEY THEN U KNOW SOMETHING IS WRONG I WAS A VICCTIM OF THEFT AND REPORTED IT. ALL IS APPRECIATED THANK YOU 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. 

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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. ( XXXX XXXX  - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Debt collection

this is my 2nd time reporting this company within the last month. please reference CFPB XXXX XXXX. : XXXX i have sent multiple certified letters to validate this debt. they have yet to prove the 5 points required under 15 USC 1692G. in the previous complaint that i have submitted. They stated they gave documentation and they didnt. They gave the CFPB documents that i never received. I have upload all the evidence that shows they violated my rights as a consumer and natural person. they haven't rebutted my affidavit of Facts or answered my debt Validation. all they sent was a " retail contract '' that they cant prove was me. they claimed they " lend '' me money but no where in 15 USC and from congress that they define the word lender. I have also requested pursant to GAAP that they prove money left their " account '' if they claim to gave me and havent receive any response
Product: Debt collection

My husband and I had our XXXX child about 2 years ago. During the process, I was working with XXXX XXXX and a XXXX website ( called XXXX ) and other billing avenues ( such as office visits ). During each visit, or via bills in the mail or on the website ( XXXX ) all bills were paid. They would notify me that certain bills were not covered 100 % by insurance, and I would either pay them that day, or log into XXXX and pay them. 

Then about 4 or 5 months go by and we start getting demand/collection letters from a company called : Medical Data Systems , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX Telephone : XXXX XXXX XXXX XXXX XXXX XXXX They offered NO information onto the charges they were trying to collect, what they were for or how they even came into their possession. The only thing we were told was that we owed them money and they demanded payment. We went back to XXXX XXXX asking what these bills were, and what they were associated with - but there was no luck. 

We ended up paying them since the amounts seemed so low ( {$190.00}, {$63.00}, {$130.00} and {$180.00} ), but they proceeded to break up the collections into 4 separate accounts and hit my credit report with not 1 negative mark, but 4 separate ones. Now, they won't consolidate, modify or do anything to assist. XXXX can't find records of anything and they're unwilling to assist. 

I don't know how else to fight back against stuff like this, but it would seem to me that since I was in constant communication with Novant, and that I made payments during every visit, and that their own website showed no outstanding balances - that some errors had to occur somewhere, but I don't have anyone on my side to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that my application to refinance my car was only going to be sent to one company by Autopay and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called Autopay to check on my application because I had not been contacted. I was told by XXXX XXXX Grant that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called Autopay on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.
Product: Debt collection

I was behind on HOA dues. I was sent to collections. Fees were added. The company wants to charge me {$30.00} dollars a month to accept a payment arrangement. They also threatened foreclosure on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be XXXX  please help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized hard inquiries listed on my credit report. The inquiries were conducted without my consent, and I believe they are violation of federal law under the fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681b. 


XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX