23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I do not know anything about this debt collection coming from Afni, Incorporated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX , XXXX original creditor.
Product: Mortgage

I took out a mortgage on my property a year before Countrywide was bought by Bank of America. I was promised by Countrywide that my interest rate would be adjusted after a year or so. The Interest Rate was 8.85 % and my monthly payments have been for {$630.00} /mo. I have never missed or been late on any payment since. I started inquiring about a lower interest rate for my lo re-financing my Mrtg for at least 8 years now and always receive the same answer. Since I do n't have a XXXX XXXX or XXXX account there is nothing that can be done. My mortgage is under {$68.00} and it is still being met every month. 
As of XX/XX/XXXX I XXXX and am getting a little concerned about my ability to continue without a refinance to a lower rate. Of course since the GR I have been under water as my home has assessed for @ half of what it was valued at then. My retireme nt pkg can keep me viable for a while, but who knows how long I can keep going. I have asked at least 5 times to refinance the whole value at a lower rate but they say I am too far under to be considered. 
If you can help me to re-fi I would really be happy. 
I want to pay back what I owe, I only need to reduce my payment. Let me know what I need to do to get you all the necessary information. I have been pay ing this for around 9 years now at 8.85 % I see all these multi thousand dollar mortgages being re done and I do n't understand why they are hesitant to do mine. 
Thanks! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Credit card

I always ensure my payments are made on time, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Product: Money transfer, virtual currency, or money service

I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. The {$7800.00} cash payment placed under section f which references Net trade-in ( d-e ; if negative enter {$1500.00} here and enter the amount on line m ). Is in violation of 7 CFR 1436.10 ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e. All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction.

the term " the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; 15 USC sec 78m ( q ) ( 1 ) ( C ). while A " coupon means a form which may be redeemed, at no cost or at a reduced cost, '' I am yet to receive the redemption to my account in the form of credits. 
Santander clearly states, To receive proper credit simply complete the amount of your payment in the Total Amount Enclosed payment field and other amounts you are sending to be applied to your account. such as Additional payment ( if applicable ). 
Please make checks payable to Santander Consumer USA Indicate amount paid in Total Amount Enclosed payment field below. 
Print and mail coupon to : Santander Consumer USA XXXX XXXX XXXX, XXXX, TX XXXX '' which is the incorrect address, noted by Santander Agent via phone. and is actually the XXXX  Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error. 

You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states that a Comsumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX. The charge off carrying a balance. This is in violation of FCRA Section 604 ( A ) ( 3 ). Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$34000.00}
Product: Debt collection

Phone calls started roughly about two months ago from this company whom I have no idea is not have ever had business with. They call starting at XXXX and continue to call. They spoof their phone number, as I have blocked each number they still get through with a new one.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I tried to dispute ComminWealth Finance over and over again. XXXX   have not send me any information showing my signature or anything authorized me to this collection with a balance. I dont know or ever had an account with this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FRAUDXX/XX/XXXXXXXX XXXX USED MY INFORMATION FALSELY/FRAUDULENTLY TO COLLECT STUDENT LOAN MONEY IN MY NAME AFTER I WITHDREW FROM THEIR COLLEGE TIMELY IN THE YEAR 2000. I NEVER ATTENDED THEIR COLLEGE OR RECIEVED ANY EDUCATION BENIFITS FROM THIS COLLEGE OR THE MONEYS COLLECTED BY THIS COLLEGE IN MY NAME. AS A RESULT OF THIS FRAUDULENT ACTIVITY ON THE PART OF THIS COLLEGE AND FRAUDULENT LOAN PROCEEDS THE LOAN SERVICERS OF THESE LOANS ECMC CONTINUES TO REPORT THIS FRAUDULENT LOAN TO THE CREDIT BUREAU EXPERIAN IN VIOLATION OF THE FARIDEBT CREDIT REPORTING ACT. XXXX IS A THIRD-PARTY DEBT PURCHASER WHO IS REPORTING AN OUTED FRAUDULENT DEBT FROM THE YEAR 2000. I HAVE MADE NUMEROUSE REQUESTS OF THIS THIRD-PARTY DEBT PURCHASER TO VALIDATE THE DEBT AND PROVIDE ME WITH THE ORIGINAL DEBT INSTRAMENT IN ACCORDANCE WITH THE FEDERAL DEBT COLLECTION AND REPORTING ACTS TO NO AVAIL. XXXX IS REPORTING FALSE INFORMATION THE EXPERIAN REPORTING AGENCY IN REFERENCE TO THE DATE OF LOAN ORIGINATION, DEBT AMOUNT AND OTHER FALSE INFORMATION IN VIOLATION OF FEDERAL. I HAVE PLACED EXPERIAN ON NOTICE AND REQUESTED NUMEROUSE DISPUTES OF THIS FRAUDELENT AND INACCURATE INFORMATION REPORTING TO MY CREDIT FILE AND EXPERIAN HAS REPEATEDLY REFUSED TO FOLLOW THE LAW IN THE DISPUTE PROCESS EACH TIME. EXPERIAN CONTINUE TO REPORT THIS ACCOUNT AS A OPEN ACCOUNTS AFTER 20 YEARS AND ALLOWS THIS TO MAKE MONTHLY LATE PAYMENT ACTIVITY IN MY ACCOUNT REGARDLESS OF THE FACT THAT THIS ACOUNT IS TIME BARRED UNDER FEDERAL LAW. EXPERIAN HAS ALSO ALLOWED INTERNAL TAMPERING BY ITS EMPLOYEE INTO MY CREDIT FILE WITHOUT MY CONSENT. ON MULTIPLE OCCASSIONS EXPERIAN EMPLOYEE HAS UNLOCKED MY CREDIT FILE AFTER I LOCKED IT. THEY HAVE CONTINUED TO PLACE SECURITY FREEZE ACTION ON MY ACCOUNT WITHOUT MY CONSENT, THEY HAVE PLACED LENDER SERVING REMARKS IN MY CREDIT FILE UNDER CONSUMER STATEMENT OF WHICH I DID NOT AUTHORIZE.FURHTER EXPERIAN HAS FAILED TO SCORE MY CREDIT FILE ACURATELY AS IT IS BEING REPORTED ON OTHER THIRD PARTY 3 BUREAU CREDIT FILES. I HAVE PAID FOR 3 BUREAUS CREDIT REPORTS THAT HAVE EXPERIAN SCORE REPORTING SIGNIFICANTLY HIGHER SCORE THEN WHAT IS BEING REFLECTED IN MY PAID SUBCRIPTION FROM EXPERIAN CREDIT BUREAU. THEIR ACTION HAVE RACIAL UNDER TONE AND EVIDENCE BEHAVIOR OF RACIAL PROFILING AND WELL AS FRADULENT ILLEGAL ACTS THAT ARE PROHIBITED BY LAW. I REQUEST AN INVESTIGATION INTO THESE ACTIONS.

HERE IS A LIST OF ALL THE PROBLEMS I HAVE SUFFERED AT THE HANDS OF THIS CREDIT REPORTING AGENCY, AND MORE..

Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Problem with a credit reporting company 's investigation into an existing problem Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Old information reappears under new reporting creditor name or never goes away Unable to get your credit report or credit score Improper use of your report ( shared without consent, credit inquiries from unknown sources ) THANK YOU XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.
Product: Credit card or prepaid card

I have not applied for any credit cards for the month of XX/XX/2022. There have been 6 inquires using my information to apply for credit cards. I received a credit card from Capital One Spark Business that I did not apply for. Also, there has been activity of credit card applications in my name from the following : XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. All of these have been denied because of too many inquires. However, my credit is being affected by this. Furthermore, I received a letter about a change of address. The letter stated that I have changed my address. This is false information. I have not changed my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

U S DEPT OF EDXXXX continues to update CRAs with information not on MPN and doesn't reflect school dates.
Product: Checking or savings account

Chime gave two unauthorized transactions andmonies without checking with me to XXXX! When I reported fraud they both denied me my right for the money to be returned even after a police report was sent and or mailed to both companies! XXXX theft of my monies. 



Chime Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit-Unauthorized Transaction Date Error Reported : XXXX Document Request Date : XXXX Claim Amount : {$1200.00} Hi XXXX, XXXX to this email are the document ( XXXX ) used in your dispute investigation. Your investigation included a review of the following transactions : Chime TXN ID Date Amount Merchant XXXX. XXXX XXXX {$10.00} *******forever XXXX. XXXX XXXX {$1200.00} XXXX XXXX When we received your dispute, we gathered evidence pertaining to your dispute claim and made our decision based on this evidence. This included information that we had available to us at the time, such as device and/or location information, and additional information/evidence that you or the merchant provided us, if any. 

The documents we included in this email may include : Documentation provided by you, including but not limited to receipts, emails/ conversations with the merchant, confirmation emails, answers to support questions, and call logs uploaded through the document portal or emailed to the Chime Dispute Support team. 

Any information provided by the merchant. During the investigation of your claim, we may have filed for a chargeback with the merchant. A chargeback is a request made by Chime to the merchant to have the disputed funds returned to you. XXXX can reject chargebacks and provide their own evidence that a transaction is legitimate. If evidence was provided, it will be attached to this email. If no merchant evidence is attached, none was provided to us during the investigations. You can learn more about the chargeback process here. 


If you have any additional questions or need further assistance, feel free to contact us anytime. 

Warm regards, Chime Dispute XXXX This ticket includes a secure attachment. Use this link to access.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries on my credit report were not authorized by me : Fraudulent Accounts : XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$780.00} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$8300.00} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$580.00} XXXX. XXXX XXXX XXXX  - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$4800.00} XXXX. XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$1200.00} Fraudulent Inquiries : XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I initiated a link to Simple Card from my XXXX XXXX XXXX. They asked for trial deposits which I provided the next business day. On XX/XX/XXXX I submitted ( from Simple 's website ) an ACH transaction of {$4500.00} from my XXXX XXXX XXXX   account. Two days later on Friday, XX/XX/XXXX, I received a secure message from Simple that the account needed verification. They asked for a bank statement, voided check, or a screenshot. I provided the full bank statement on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX the funds were deposited into my account but my account was frozen. I called into Simple 's Customer Service the same day. The CSR informed me that he had talked to people in the back office and to call back if I hadn't heard anything by Wednesday, XX/XX/XXXX. They also informed me that my documents were received. 

On Wednesday, XX/XX/XXXX I called back. Another CSR informed me that it would take 5 business days from the day I submitted documents to process. Once again, call back Friday, XX/XX/XXXX if I haven't heard anything. 

It is Friday. I don't get any response from them. At this point, I just want my funds. I don't have {$4500.00} to just give away.
Product: Debt collection

This company is reporting to my consumer report without authorization. Causing an adverse affect from this action that my person has received no notice or letter of. I am well aware of my rights and this is a violation of them. I'm asking that the company produce the blue ink contract my person signed with the company.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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. 

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS.
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My name is XXXX I purchase my car threw XXXX XXXX last year then another company took over pinnacle financial group its  showing up on my credit as two loans on my credit I have been having financial problems I called pinnacle they threatened harrss me on my job
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern Without my consent or knowledge my credit report from all three bureaus was pulled as a hard inquiry by a company known as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. My personal statement on my credit reports clearly states that I am a victim of identity theft and I am to be personally contacted before any credit report is pulled on my behalf. My credit has had a credit freeze to not allow for this type of transaction. This is clearly fraud, as I never made contact with this organization for any purpose of any kind.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account Number : XXXX This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to cease all communication with me regarding the above-referenced account. This request applies to any and all forms of communication, including but not limited to telephone calls, text messages, emails, letters, and any other medium of communication. Additionally, this directive explicitly includes any communication via my consumer report, as defined by the term " communication '' within the meaning of 15 U.S.C. 1692a ( 2 ).

As per the FDCPA, once a debt collector receives a written request to cease communication, they are required to comply, except to notify the consumer that further collection efforts are being terminated or that specific actions may be taken as allowed by law. Any further communication in violation of this request will be reported to the appropriate regulatory agencies, and I will pursue all available legal remedies. 

This letter is not to be construed as an acknowledgment or validation of any alleged debt. Please provide written confirmation that you have received and will comply with this cease-and-desist request. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice