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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX  - XXXX {$780.00} XXXX XXXX XXXX XXXX XXXXXXXX {$6300.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX  - XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX  - XXXX {$24000.00} INQ : XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>
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. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

I submitted a dispute request for the fraudulent account reported by XXXX XXXX XXXX. I was informed in XXXX on the phone by XXXX XXXX XXXX the matter would be resolved and no longer report to the credit bureaus. I Also disputed this fraud account With Transunion, and it has yet to deleted. Instead, this account has been reported inaccurate again, this time as closed and paid. I never paid the account because it is not mine! i have sent my affidavit, police report, XXXX forms of ID & Dispute letter to all parties. This account is hindering my way of life. Please Help! 

Under Section 609 of the FCRA, I am requesting a copy of any documents that you have relied upon in preparing my credit report regarding this XXXX XXXX XXXX account number : XXXX account. Additionally, Ive enclosed all relevant supporting documentation that validates my position and confirms these inaccuracies. 

As permitted by Section 611 ( a ) of the FCRA, I urge you to investigate these items within the required timeframe. If you find the information is indeed erroneous, I request the deletion of the disputed accounts from my credit report. 

Furthermore, I would like to highlight that under Section 605, any fraudulent information should not be reported once it is verified as inaccurate. I have initiated the fraud alert process with the major credit bureaus, and as such, I am taking steps to protect myself against potential identity theft. 

Please conduct a thorough investigation and notify me of the outcome within 30 days, as stipulated in the FCRA. Upon completion of your investigation, please send me a copy of my updated credit report. 

Thank you for your prompt attention to this matter. I can be reached at [ your phone number ] or via email at XXXX should you need any further information to assist with your investigation.
Product: Debt collection

FIRST COLLECTION SVCS violated the the governed laws under FCRA 611 ( a ) ( 5 ) ( B ) by reinserting a previously deleted debt that was due to fraud and identity theft they failed to send any proper notice within 5 business days of reinserting the debt back to the credit bureaus. I am now filing a complaint with the CFPB for this violation as this is a willful and direct act of breaking the law.
Product: Debt collection

Hello and good day, can't stress enough on how frustrating and debilitating this is, you wake up one day and to your surprise you have a debt you know nothing about, unverified and that simply just isn't yours, receiving harassments from a multitude of communication platforms and with different tactics, I never dreamt of eating threats of legal action for breakfast. This is really insulting to me as a law-abiding citizen, having my rights as a consumer blatantly violated. It's taking a toll on my mental health and having sleepless nights due to XXXX
Product: Debt collection

On XX/XX/year>, I received a letter ( dated XX/XX/year> ) from XXXX XXXX XXXX, Assistant Vice President - Member Debt Solutions- USAA Federal Savings Bank. XXXX XXXX informed me, for the very first time, that I owed a total balance of {$72.00} on my USAA Credit Card account, and that he was attempting to collect this debt. His letter was shocking and took me completely by surprise, as my own records showed then ( and shows now ) a XXXX balance, and he didnt explain what this bill was all about. I immediately wrote back, disputing this alleged debt, in the amount of {$72.00} or in any other amount. I politely requested that he substantiate his allegation of indebtedness and provide me with a complete accounting. I requested that he respond to my letter within thirty ( 30 ) days from the date of his receipt of my correspondence, allowing him plenty of time to comply. Furthermore, I specifically asked that he contact me only by USPS Mail because, as USAA already knows, I dont always have access to the Internet and my ability to receive notices in any other way is limited, among other things ( such as security/privacy issues and concerns ). I sent my letter by certified mail. The return receipt shows a delivery date of XX/XX/year>. See attachments. More than 30 days have already elapsed, and I have yet to receive the requested response.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX .. account number XXXX. Due to inaccurate information and XXXX  denied to follow up with the investigation. I was recently notified cfpb has a lawsuit pending on XXXX. They alleged the company of accepting unreliable information, failure to notify accurate and throughly investigated consumer dispute results. All of this alin with my issue, as XXXX  has not attempted to remove or correct any information on my consumers report. Im requesting that this derogatory remark be removed as this has been a major impact on my chances of getting a house, a car, credit card & etc. XXXX has violated my rights as a consumer, as well as federal laws.
Product: Credit card or prepaid card

I have been charged a interest rate of 26.49 and a protected interest rate of 23.40 over XXXX dollars a month how can this be legal no other credit card I have does this I even pay more each month and it will never be paid off this is ridiculous I hope you can help me
Product: Credit reporting

In XXXX 2017, I mailed a formal complaint requesting verification or deletion. Some time after the 30 dyas I received a letter without the verification. Per the court, no information is supplied to credit bureaus.
Product: Money transfer, virtual currency, or money service

Binance.US ( BAM Trading Services , Inc. d/b/a Binance.US ) blocked me from depositing money into my Binance.US account, starting around XX/XX/2021 since one of the deposits I made into my Binance.US account was rejected by my source financial institution, and Binance.US in the mean time had made those funds available for me to use. 

Funds that were rejected : {$2000.00} Date of this rejected deposit : XXXX Action taken by Binance : They blocked me from depositing funds to resolve this matter. And they blocked me from performing any kind of transaction ( Trading, buying/selling, depositing more fund or withdrawing existing USD ). 
Action Taken by me : 1. I have submitted my bank statement as well as a selfie video stating " Today is [ Month/Day/Year ], and my name is [ First & Last Name ]. I confirm that I have authorized these transactions. I am contacting Binance.US to resume USD deposits & withdrawals for my Binance.US account [ registered email ]. '' as they recommend in their support email. 
2. I have opened several support tickets on https : //support.binance.us/hc/en-us/requests, but their customer support has not responded to me yet. They even discourage customers from opening more tickets by SCARING the customers, by claiming that support tickets would be deprioritized if we open more tickets ; even though their customer service doesn't reach out to us for months, in some cases. ( My open ticket number is # XXXX ). They mark previously created tickets to SOLVED even though they are not Solved/Resolved. 

Attached : 1. XXXX - shows Deposits I attempted to make that Binance.US stopped from being submitted. 
2. XXXX - shows list of all support tickets I created 3. XXXX - shows Trading failed message
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my loan in XX/XX/2017, One Main showed I had a balance of XXXX cents. I paid a {$1.00} twice ( as that was the minimum amount allowed on their site ). I then tried paying {$5.00}. Each time the XXXX cent balance remained. One main reported me late in XXXX, XXXX and XXXX of 2017 which was completely inaccurate as I had paid the XXXX cent balance and they showed {$0.00} as the minimum due. I tried calling One Main numerous times for a correction and each time they refused and simply said their records were accurate yet I have the documents to prove otherwise. What is strange is they report accurately to XXXX but not XXXX  or XXXX. Please help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed Inquiries to be blocked and deleted company information from TransUnion. 

Please delete the following Inquiries XXXX - XX/XX/XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

Apparently we owed a small medical debt in regards to my child. Mountain Lands Collection, LLC, has not sent us one letter of collection. We have our mail scanned through the USPS and can prove this. Also, we haven't moved in the past 7 years. We were completely unaware of this debt and would've paid it, especially because of the small amount. Then out of the blue they issue a summons for the small debt with fees ballooning the debt to quintuple the amount, in " supposed fees '' to drive their profits up. This is absolutely fraud in my mind and these crooks need to be investigated. If you XXXX search their name, you will see XXXX reviews of many of their victims ' attestation to their business practices.
Product: Debt collection

I am writing a complaint on the phone number  XXXX 
" Wells Fargo Debt Collections '' They are calling for a   XXXX   XXXX   using the phone number  XXXX 
I started receiving phone calls from the company in   XXXX   XXXX    at    XXXX   XXXX   leaving me a message for a   XXXX   XXXX  . I called the number back and told them the phone number no longer belongs to whomever and to please stop calling me.
I received a second phone call   XXXX    XXXX    with another voicemail for   XXXX   XXXX   . I again called them and asked them to stop calling me.
I received a third call   XXXX     XXXX   with another voicemail fo  XXXX   XXXX   XXXX   . This time with a direct callback number of "  XXXX . I called the number and stated I am tired of them calling my phone for   XXXX   XXXX  . This is harassment and against the FDCPA Laws. They stated they took my number out of there system and I should not be receiving anymore phone calls.
I received a fourth call   XXXX    XXXX  from a  XXXX  direct call back number of  XXXX  for a   XXXX   XXXX   .
I received a fifth call  X/X/2017   XXXX  from a   XXXX    Call back number    XXXX   for a   XXXX   XXXX   .
I call the   XXXX    number on break here at work at    XXXX   XXXX   and notify a  XXXX  that I am not   XXXX   XXXX   and I am tired of these phone calls.
This Wells Fargo account does not belong to me. I do not know a   XXXX   XXXX   I received this phone number when joining   XXXX   XXXX   XXXX   phone plan with my husband. I am sick of this harassment and would like something done about this.
  Thank you
Product: Debt collection

This is a follow up to complaint # XXXX. This collection agency continues to claim a debt is owed without furbishing any evidence whatsoever beyond just saying that the " debt is valid and has been verified ''. I owe do not owe any many whatsoever, and evidence of the debt and visit must be provided or the derogatory remark removed from my credit report.
Product: Checking or savings account

Funds that I had in my account at time of purchases wasnt taken out in a timely manner. Over draft fees on purchases made when money was there etc
Product: Debt collection

I received a letter in XXXX XXXX from Columbia Collections. It said that I owed money for my ex-husband 's hospital stay in XXXX of XXXX. I told them that it was the first I heard about it, but they said they called me once in XXXX, and I told them that I was getting divorced and was not responsible for my ex-husband 's bill. They said okay and did n't contact me again for ~ 2 years. When I got the letter in XXXX of XXXX and they explained that I was responsible, I paid it right away. I now have a mark on my credit report, which lowers my credit score. I do n't feel that I was notified properly.
Product: Credit reporting or other personal consumer reports

I was informed by a bank that my account was denied due to information listed on Equifax, XXXX XXXX XXXX. Equifax, XXXX XXXX XXXX are XXXXredit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - Equifax, XXXX XXXX XXXX is not correct t on what they are doing.
Product: Debt collection

On XXXX/XXXX/XXXX my employer received a voicemail on a general line where a collector ( XXXX ) working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, stated that there is a case against me where they will be doing an asset review, so I need to respond. I immediately called back after the owner of the company asked me to call them and tell them never to call back again for their unprofessional method of contact. The woman who answered the phone never introduced herself, never advised what company she was answering the phone for, and never stated that the script that the call was to collect a debt. She continued to verify my information. After verifying my identity, I asked her to remove the number of contact from her file ( identifying it as my employers line and they do not want this company calling again ), and was told that she will continue to call the number and harass other numbers on my file. I told her by law she can not. I told her I was not aware of the debt and would like the debt validated, as I am unsure if this is related to an old car loan where I was not responsible for the balance owed due a valid dispute with the company ( which was provided to the original lender over 12 years ago ). I was told that they would not validate the debt. And in addition she said that I am receiving mail from them but they do not have a valid address on file. <P/>I called back again due to the unprofessional nature of the Representative, this time another woman who did not identify herself answered, she again did not verify who I was. I asked her for the information of the company which she did provide, then asked her who do I address my complaint with. She went right into divulging details of their case, and said that the rep did note the account that they should not call the business. I explained that the rep was threatening to continue calling and harassing after being told not too. She said she did not meant that. The woman ( supervisor ) never took the time to verify who I was either, and continued to tell me that my asset would be up for review, she did not even tell me the call was for the purpose of collecting a debt either. But I explained to her that our calls here at work are recorded due to the nature of the business, so I have everything recorded. She did not contest the recording.I can and am willing to provide the recordings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honesty stumped. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Inaccurate Names 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 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 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 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 XXXX XXXX
Product: Money transfer, virtual currency, or money service

Almost every month my son-in-law sends me {$600.00} via Google Pay into my financial institution savings account. I received an email from Google Pay that my son-in-law has sent me {$600.00} to my Google account on XX/XX/2021. I received another email from Google that this amount was added to my Google Pay balance on XX/XX/2021. It usually takes a couple of days so I waited. I received another email from Google Pay that the {$600.00} was transferred to my banking institution on XX/XX/2021. I checked my financial institution the following week but it did not show up. This went on for a month and then I contacted Google via a " chat room '' as you can not speak to anyone directly over the telephone. After 77 emails between Google Pay and my banking institution, still no money. My bank blames Google and Google says they deposited the money into my checking account but can not tell me the checking account # other than it ends in XXXX. My bank says they do not have any accounts that end in XXXX. I asked why Google chose this one and only time to send it to checking when all other transactions were deposited into my savings? They just referred me back to my banking institution. My bank sent them a letter ( through me ) via email. Still nothing. I told Google I would be sending this to my attorney. My attorney is working on it but told me to make a complaint to CFPB as well. It is XXXX XXXX, 2021 and no money. My belief is fraud is involved where someone hacked into my google account and added a fraudulent checking account and diverted the funds that way. Just guessing and very frustrated.
Product: Mortgage

Ameris Bank continue to make the Covid Temporary Forbearance process a difficult one. At the start of my request they were very slow with providing me documentation regarding the approval and terms of my forbearance request but after a complaint I started receiving the requested emails and documentation. To date starting from XX/XX/XXXX I have requested a Covid Forbearance Extension and confirmation documentation multiple times. I put in a request on their phone systems only to be told they don't have a record of it. I spoke with their phone reps multiple times and put in a request only to be told to do it again because they don't see any status updates. I have emailed with the same request and they reply back with documentation from the original request and documentation to end the forbearance nothing about what I have requested which is an extension. XX/XX/XXXX I received a call from someone at the bank who acknowledged the emails I sent and said I was approved for an 3 month extension and she would make sure I get the document via email. Three days later no document mail or email. I called the loss mitigation department once again and the representative said she had no record of the extension and asked me if I wanted to request one again. I have almost finished with my first 3 months of forbearance and will require more time to get financially stable. XXXX to XXXX is my first three months of forbearance I have requested an extension over four times since XX/XX/XXXX. I have the emails and phone recordings to prove how difficult Ameris Bank has made this process and until they provide good customer service I will continue to complain even I have to share my issue with the local news station. I am requesting approval status start and end time letter regarding my extension request sent to my email and home address.