23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning is currently reporting inaccurate and misleading information on my consumer report. They do not have permissible purpose or my written consent to furnish or share this false information. This is hurting my reputation and credit worthiness. I have asked for verification multiple times and they responded back to me that they do not have access to the account documentation surrounding this alleged account there for they are unable to provide copies of any documents or any verification. If they are unable to verify the accuracy and completeness of this allegation against me i demand this to be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, if you would. I am not privy to any details on this, and the company proceeded without seeking my consent.
Product: Credit card

I do not recognize a hard inquiry by US Bank ( Bank ) on XX/XX/year> ; please remove it from my credit report.
Product: Mortgage

On XX/XX/2022 my home in Arkansas had water damage from a burst pipe. The Insurance was contacted and the adjustors were out and made payment to the tune of {$150000.00}. 
As I had mortgage with US bank it was also listed as one of the payee.

I opened up an account with US bank loss claims department and they released some funds to me initially and were supposed to release the rest of the funds when their inspectors were done with the inspection of the house. When I tried to schedule the inspection of the house US bank kept of asking me for more and more paper work even though I had submitted all of it and they were asking me paper work from the XXXX XXXX  insurance company on which I had no control. I was exasperated and told them that if only I had the money I would pay off the loan and get them out of the picture, They at that point decided without my written or verbal permission to use the funds in my Escrow amount to pay off my Mortgage!!. These funds are supposed to paid to the contractors for the work they are doing. Now my mortgage is paid off without my permission using my insurance claim money which I am supposed to pay the contractors. I need to pay the contractors now {$38000.00} from my pocket which I do not have and US bank used this money given by XXXX XXXX to pay off my mortgage without my permission!
Product: Credit card

Bank of America was taking a set amount out monthly which I assumed was my minimum monthly amount but it was not. They were taking out {$70.00} but the minimum had gone up so it caused my payment to show late. I had this reoccurring being taken out so assumed all was fine. They called me finally after a year ( they say they were under no obligation to contact me to alert me to the under payment ) and I immediately called them back. By this time I owed {$730.00} to bring the account current. They were unwilling to do any adjustment to my credit record ( I told them I was n't asking for the late fees to be removed, just did n't want my credit ruined ). I paid the {$730.00} but they said it was my fault and they had no obligation to reach out earlier. This does not seem fair. I had my statements set to paperless because it is good for the environment so had n't checked them since I was on automatic payments. Is there anything that can be done to remove this from my credit history? The person I spoke with also would n't give me a reference # for the call or send me the recording ( though he said it was recorded ). He said I would have to send a subpoena. His name was XXXX XXXX but he would n't give me an employee id of any sort. The date of the call was XX/XX/2017 and the approximate time was XXXX. EST. I have learned the dangers of automatic payments and not checking the monthly statements, but am hoping that something can be done as I was not intending to do anything wrong and it seems like they should have had to contact me rather than just let the situation continue and the fees mount up and my credit be ruined.
Product: Credit card

I made a payment of {$110.00} on XX/XX/2023. Received an alert for fraudulent activity triggered by the payment. I called the fraud department to lift the hold and was told that I first needed to verify that I own the payor account. When I asked why they refused to provide the reason for the fraud hold. Even after verifying credit card and identification information for their security protocols. For context I have used the same payor account for the same card through the mobile app without changes for over 2 years. I am also legally entitled to any relevant account information. They are withholding information that I'm legally entitled to while demanding verification for a payment method I've used for several years.
Product: Debt collection

Collector keeps calling at my place of employment. It is a recorded call, so if anyone else answers the call them they may be able to access my information. I asked collector to not call my at work, as I am not allowed to have personal calls on a business line.
Product: Debt collection

I've contacted this collection agency several times asking to provide a signed contract with my signature. No real proof has been provided. Please delete. 
Date contacted were in XXXX 2020. If such documents can not be produced please DELETE this account from my credit report immediately.
Product: Debt collection

Payment History is negatively reported late on each of these months, they threatened to take the property over and over by mail. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

We requested a forbearance on our mortgage due to loss of income. When we coming out of forbearance, we were offered a trial period to modify the loan. No documents were received by either mail or on the mortgage company 's web portal, we were not informed on the phone either. When we began paying the trial payments in XX/XX/year>, the lender began reporting late payments on the forbearance portions of the debt. We were never informed of this as a potential impact to this agreement. I called the company and the representative stated that nothing had been uploaded into to our portal and they did not know if documents were sent via mail. He did agree to upload the documents but said there was nothing to do regarding the past due reporting.
Product: Debt collection

I was unable to pay my payday loan with cash express in XXXX ky. Even after I tried to set up a payment with them, they have called every day. even had a collection agencency call. I was suppose to be able to set up a payment with them. Now cash express is saying I cant make payments. They was at my door this morning to collect.. Not sure if its illegal to harass people at there residents. But this is very over whelming. Please let me know what I need to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter to all 3 credit bureaus, XXXX, Experian, and XXXX and also the collection agencies XXXX XXXX XXXX and XXXX XXXX XXXX on XXXX to dispute the following accounts showing on my credit report ( XXXX XXXX XXXX ) AND ( XXXX XXXX XXXX ). The letter was sent over 30 days ago with no response or validation that these unknown debts are mines which is not. These debts are unknown to me and I want them deleted off of my credit report as they are violating my rights by taking longer than 30 days and not deleting these accounts as they should.
Product: Money transfer, virtual currency, or money service

I was on a trip to  XXXX  and I attempted to log into my Coinbase account to check the prices of the crytocurrency I own. Upon my return to the  US,   I received the following e mail : " Dear ( Name ), We have r eason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( Country ) per the sanctions imposed by th e U.S.  Treasury Department 's Office of Foreign Assets Control. As a result, we 've unfortunately had to clos e your Coinbase acco unt. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us a t support@coinbase.com immediately and provide us with a copy of a photo ID and proof of y our current address. If your account has a balance you will need to contact th e U.S. Treas ury Department to request permission to access your funds. '' I immediately created a support ticket to have my issue resolved and provided the requested documentation. I have received only automated responses and have sent several follow up emails along with attempts to reach them via their social media platforms. The issue should take very little time to resolve and it have been  over 10 busi ness days that my account has been locked and I have no access to my funds.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Mortgage

I called Planet Home and explained to them that the Loan sold to them was discharged in bankruptcy in XXXX, but they continue to send statements for payments and they bought the loan in XXXX, long after it was discharged in bankruptcy. 

When I tried to refinance my home they decline because Planet Home stated we never made any payment. The statement Planet Home sent to me was for XXXX. Now they are telling the mortgage company the balance is XXXX.and because of no payments the company refuses to ok the loan. The Loan was discharged by the court in XXXX for XXXXwho sold the loan to Planet Home.
Product: Credit card

They charge this off to insurance/tax credit I never got XXXXXXXX XXXX and it still shows I owe amount when they have been paid already
Product: Checking or savings account

In trying to link my PNC bank accounts with XXXX  through XXXX, I get the message that PNC has made a change that prevents my accounts from being linked. This is preventing me from being able to invest through this account. I'd like the cfpb to work to fix this issue with PNC.
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute of Inaccurate Collection on my Credit Report : ( XXXX XXXX XXXXXXXX ) Request for Deletion. I am writing to formally dispute an inaccurate collection which is XXXX XXXX XXXX appearing on my credit report. I respectfully request your assistance in investigating and removing this erroneous collection account under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
The account in question is as follows : XXXX XXXX XXXXXXXX. 
1. Failure to Validate the Debt : According to 15 U.S.C. 1692g ( b ), I requested validation of this debt within thirty days of receiving notice. However, the collection agency has failed to provide sufficient evidence that I owe this debt, such as the original contract or proper documentation proving my liability. Without proper validation, the debt should not be reported on my credit report.

2. Reporting of Inaccurate Information : Under the FCRA, 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. The collection agency has reported erroneous or unverifiable information, which is damaging to my credit score. I am entitled to have this negative information removed if it can not be verified or proven accurate within thirty days of your investigation. 
3. Potential Statute of Limitations Violation : The alleged debt may be outside the statute of limitations for legal collections under California law. If this is the case, the continued reporting of this debt may be considered misleading, unfair, and a violation of the FDCPA ( 15 U.S.C. 1692e ( 5 ) ), as it could be seen as a threat of legal action that can not be legally pursued.

Requested Action Pursuant to the FCRA and FDCPA, I kindly request the following : 1. A full investigation into this matter, in line with FCRA guidelines, to verify the legitimacy of this collection account.

2. Deletion of the collection account from my credit report if the debt can not be verified or is found to be inaccurate.

3. Written confirmation of the removal of the collection from my credit report. 
Please provide a response within the time frame required by law. I appreciate your prompt attention to this matter and look forward to your swift resolution.
Product: Credit reporting 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 XXXX USC XXXX permissible purposes of consumer reports. XXXX U.S.C. XXXX ( 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. 
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 has violated my rights. On a list of inquiries : XXXX U.S.C. XXXX Section XXXX A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy XXXX U.S.C XXXX Section XXXX A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

XXXX U.S.C. XXXX ( 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. 

XXXX U.S.C. XXXX ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years XXXX U.S.C. XXXX ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting or other personal consumer reports

Every line of credit, hard inquiry or soft inquiry, whether it be closed, active or in collections aside from my XXXX, XXXX and XXXX accounts is fraudulent. I was incarcerated for a period of 7 years in between XXXX to XXXX. I havent had the ability to open any lines of credit due to being incarcerated. Ive disputed and written every credit bureau and it has been to no avail. I demand that these things that are negatively impacting my credit score be removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called capital one to let them know I wont be able to make my full Payment if there is a program to help out customer 's in that situation. They transferred me to a accountant specialist. After talking to her and telling her about how they are so quick to charge a high late fee even of your 1 day late. The lady said that they have no power to waive off the late fee, but can work on a payment plan.
Product: Debt collection

This debt collect agency did not sent proper notice of this debt to me before reporting to a credit bureau ( XXXX ). I was unware that I could dispute the debt and the fees added so I asked for a payment arrangement. Therefore, I had made a recent payment to this debt and asked for payment reminders from this debt collector via email. Upon not getting proper notice on when this debt would be reported to the credit bureau. This was reported without giving me a proper notice that regardless of any payments or payment plans with 45 days of a an initial notice, it will we reported to a credit bureau agency. They claim that a this letter or notice of their intent to report is incorrect information. They reported in a unfair and unreasonable way.
Product: Debt collection

I have not owned an XXXX XXXX XXXX phone for more than 20 years. This collections shows an age of less than 4 years. It was paid more than XXXX decades ago - the collection keeps getting sold to another collection agency, who changes the open date & it starts all over again.
Product: Credit card or prepaid card

A credit card was opened fraudulently on XX/XX/XXXX, I do not know by whom. I have made a dispute with transunion as of today ( XX/XX/XXXX ). Some places the card was used at were XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX corner store. I have no idea who could have done this but this needs to be removed from my credit report because I have not opened a credit card with XXXX XXXX XXXX. They have used an address here in XXXX XXXX which is XXXX XXXX XXXX, XXXX XXXX, TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i went to the car dealership they said it would just be in house an I received a lot of hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXcar dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXXXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXXXXX car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXXXXXX XXXX-car dealership was not supposed to run this credit check XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check XXXX not authorized XXXX XXXX XXXXXXXX not authorized XXXX XXXX XXXX XXXX XXXX car dealership was not supposed to run this credit check
Product: Credit reporting or other personal consumer reports

Per 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 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, 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 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 or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

I opened a checking account at the citibank location in XXXX XXXX New York on XX/XX/XXXX. Today is now XX/XX/XXXX my account was closed. I come to the location to see no one is able to help me. My account was made for direct deposits for my job, so I wasnt able to deposit money the day I opened it. They are saying its fraud when I havent even put any money into the account yet.
Product: Credit reporting or other personal consumer reports

Submitted initial complaint on XX/XX/year> because company never assited with any investigation into identity theft. Upon receiving a letter dated XX/XX/year> requesting my identity information ( ID, Police Report ) company has stated they are still investigating. Per the 15 U.S. Code 1681i - Procedure in case of disputed accuracy the company not only received 30 days but the additional 15 to complete investigation. As of XX/XX/year> there is no update and information should be removed from my credit report or Civil Suit will be filed.
Product: Checking or savings account

when opening account i set a pin for my ATM card that has not changed since the account has been opened. i tried to enter my pin and kept saying its incorrect/invalid. got onto the website into my account to try to change the ATM pin and says can not that they will send a number within 5-7 business days or go into a branch to change it. issue is 1. going into branch is usually a wait and i am not going to wait 5-7 business days to receive a pin in the mail. i contacted chase and asked why this is that i can not just change it online once logged into my account. they claim its for security reasons which is ridiculous when other banks have this option. all chase appears to be doing is making it more difficult for their customers to do business. i work and a single parent and can not waste time going into a branch. the rep got rude with me when i suggested they need to change this policy and make it easier for customers. she said would relay my complaint but i could tell she wasnt going any further with it. this is very unprofessional and ridiculous way to do business when we cant even change our ATM card pins online as able to do with other financial institutions.