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

A debt collection agency has incorrectly reported that I owe a debt that I don't owe. I visited XXXX XXXX XXXX in XXXX XXXX, XXXX  in XXXX of XXXX. I have out of state XXXX  XXXX which i informed them of. My insurance should have been billed for my visit there and it wasn't. They sent the account to collections and they subsequently reported the derogatory as doctor 's business bureau on my XXXX  credit report. I would like them to stop reporting this on my credit report and I want it deleted from all XXXX credit bureau files.
Product: Credit reporting or other personal consumer reports

I requested a credit report for Equifax ( XX/XX/XXXX ) and, discovered expired information on the report. Im concerned because my credit report shouldnt have anything on it due to the data breach that occurred with Equifax. The information that I found was from XX/XX/XXXX. I want the info removed immediately. I would like a copy of the updated credit report. The company can send it to my email account.
Product: Debt collection

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Jefferson Capital Systems LLC # 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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX accounts # XXXX and # XXXX are reporting a debt I do not owe. These accounts are past the statute of limitations. These should no longer be on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Reporting Agencies to remove the disputed fraudulent items reporting on my Credit file. Again, I was a victim of identity theft and this is yet another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, please remove the following items completely from my Credit file : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Credit Bureaus have also failed to send me copies of proof of verification from their investigation, if they really did conducted any investigation at all.
Product: Credit reporting or other personal consumer reports

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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, just wanted to let you know Experian has violated my rights and we have a major problem. Experian is causing harm and injury to me by committing identity theft, and non-disclosure fraud /miss use of my personal information and there was a reporting that just took place on my report, and I know that I never never never consented in writing authorization and permission for consumer credit reporting agencies to furnish my personal information to non-public third parties I need this negative and false fraudulent information and reporting to be deleted from my account immediately this is causing me injury and harm and you are in violation of my privacy and my unalienable rights. Please have Experian delete and remove and block. Any negative information and urgently update, correct fix amend, remove block any negative information furnished to any third-party without my consent without my written consent and I know by law companies must have the consumers written permission to furnish any information and credit bureaus or credit reporting agencies must also get the consent of the consumer, which is me and I did not consent. I need all of the negative remarks experiences items that have been fraudulently placed on my consumer credit report to be immediately removed, make sure this is investigated and re-investigated in the method of delivery and how they verified the investigation. Make sure it sent to me to my address XXXX XXXXXXXX XXXX XXXX, XXXX,, make sure this is investigated and re-investigated in the method of delivery and how they verified the investigation. Make sure it sent to me to my address XXXX XXXXXXXX XXXX XXXX, XXXX, CA XXXX. Thank you so much.
Product: Debt collection

On XX/XX/XXXX I initiated contact with the collection agency, formally requesting that all further communication cease, as the aforementioned debt lacks validity. 

In addition to this request, I dispatched an official letter to the designated mailing address, sent via certified mail with a signature requirement. The purpose of this correspondence, dated XX/XX/XXXX, was to request substantiating evidence and documentation pertaining to the alleged debt. It was explicitly mentioned in the letter that I expected a response within 30 days. 

Despite the passage of the aforementioned 30-day period, I have not received any communication from the agency in response to my letter. In light of the agency 's failure to comply with my request for proof of debt and the subsequent inaction within the stipulated time frame, I feel compelled to report this matter. Furthermore, I must emphasize that the debt remains present on my credit report, as it has not been removed as per the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account below has violated my Federally protected consumer rights to privacy and confidentiality Under 15 U.S.C. 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Office Of The Atty Gen # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX 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 items of information other than records of Convictions of crimes which antedate the report by more than seven years...

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

Experian is reporting that my total student loan balance with XXXX XXXX XXXX is a total of {$180000.00} but my actual student loan balance with XXXX XXXX XXXX is {$110.00}, XXXX. 

I have a total of XXXX ( XXXX ) student loans with XXXX XXXX XXXX - XXXX in the amount of {$62000.00} and XXXX in the amount of {$55000.00}, for a grand total of {$110000.00}. 

Around XX/XX/year> I discovered Experian was reporting I had a total of over {$230000.00} for these same loans- but Experian was reporting my actual loans TWICE or DOUBLE the Amount. I filed a dispute and eventually Experian removed only XXXX of the duplicate loans, XXXX for {$55000.00}, and continued to falsely report the {$62000.00} loan TWICE, or DOUBLE the Amount, for a false total of {$180000.00} instead of the correct total of {$110000.00} ( comprised of my XXXX, and only XXXX student loans I have [ {$62000.00} + {$55000.00} = {$110000.00} ] ). 

I have filed NUMEROUS disputes with Experian, have explained this to them NUMEROUS times in clear detail, have provided them with proof from XXXX XXXX XXXX, have spent time on the phone and in writing numerous times with Experian TO NO AVAIL. EXPERIAN simply REFUSES to correct this egregious error on my credit report and it continues to falsely report that am in debt for an additional {$62000.00} that I DO NOT OWE and never did. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response oh We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of your dispute on XX/XX/2018, the account which was reporting a deceased remark no longer appears on your TransUnion credit report. In addition, we have sent a corrected copy of your TransUnion credit report to XXXX XXXX.
Product: Mortgage

I checked with my existing mortgage holder, Village Capital, regarding doing a VA Interest Rate Reduction Loan ( IRRL ) on my existing loan. The loan terms presented were unfavorable, offering me approximately XXXX dollars of savings a month with no recoupment, given the addition of closing costs. Village Capital made six phone calls to steer me into refinancing, but I had to flatly refuse their final phone call as they were getting pushy.

I discovered that Village Capital and Investment was previously sued for the same action. Referencing XXXX XXXX XXXX, this company was charged with misleading consumers about the benefits of a VA IRRL .

I am informing you that Village Capital and Investments is resuming its previous tactics. Despite no tangible benefit, they were very forceful about trying to get me to refinance. Saving only XXXX a month with a rate drop to XXXX does not fall in the VA XXXX guidelines- which requires a tangible benefit to the veteran and recoupment of associated loan costs ( closing costs, loan fees, etc. ) in 36 months. They attempted to get me to do an IRRL twice, and I refused. I am concerned they may be misleading gullible veterans, so I am reporting this issue to you for further investigation.

Village Capital is a predatory lender and did not learn anything from their first go around using predatory tactics to steer veterans into a refinance that does not benefit the veteran but enriches Village Capital and Investments. 

I can be reached at XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I was contacted by this company that I do not recognize. I told them that I dispute this debt and it had been paid in full years ago. They sent me a letter saying its a valid debt. No backup from the original creditor nor the other company they subposably purchased it from. They continue to call early in the morning ( before XXXX ) and even on XXXX. They threaten litigation and say that I 'm a dead beat that does not pay my bills. Even after I told them it was paid. They continue to fail to provide proof that they even have a relationship with the original creditor or provide any assignments. This morning they called and were verbally abusive and made threats again in damaging my credit and litigation on top of calling me every name in the book. I told them that they were in violation of the XXXX act and they said they did not care. They even said that the debt would be reported on my credit report multable times.This debt is paid in full and is disputed.
Product: Checking or savings account

XXXX XXXX, 3 checks were stolen from the post office. XX/XX/2022, one check was washed. The check was for a credit card payment. The payee name was changed to an individual and cashed. XX/XX/2022 another check was washed and cashed. Both the payee and the amount were changed which put the checking account into overdraft leaving my account balance of almost a minus {$1000.00}. When Wells Fargo notified us by mail that we were in overdraft and lost almost {$8000.00} in funds, the account was closed before the third check could be cashed. An affidavit was filed with the bank, a report was filed with XXXX police and the post office was notified. Wells Fargo stated that it would take 10 days to resolve the issue. The bank has confirmed that fraud took place but as of today has not refunded the money or offered provisional credit. Wells Fargo now states that it could take 120 days to make a decision with no guarantee of refund. This information is nowhere to be found in any literature given for this type of account. I have complied with every request from Wells Fargo with no result. From the little research done I have found that Wells Fargo is treating thousands of their customers in the same way in hopes that they give up on trying to get money that is insured back to accounts held at the Wells Fargo. Please help as I have no other recourse at this time. Any suggestions that could assist in the matter would be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 




1. USDOE/XXXX  Account Number : XXXX 2.XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed items is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis, XXXX XXXX and XXXX is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use my furnish my private personal information also The CIVIL COURT OF THE CITY OF NEW YORK - KINGS BRANCH Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead you infringe upon my privacy.
Product: Payday loan, title loan, or personal loan

purchased a sofa and piece of carpet, from XXXX  XXXX, financed through acima credit llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX with {$720.00} listed as cash price, not incl monies paid in the store. I was informed, I would be contacted to let me know when my 90 days was near to payoff, no such contact was made, instead, I've been charged {$120.00} a month since XX/XX/2019, with paying over {$800.00} to date, not incl the early payoff, made this month totaling over {$600.00}, and the company is still charging to date the every two week amt of {$61.00}, after doing a payoff, complete racketeering .I am completely disgusted and would advise, No one to deal with these crooks. Had I chk XXXX  site first, I would have never purchased anything through them
Product: Mortgage

I have contacted Veripro Solutions, Inc numerous times in XXXX, XXXX, XXXX and XX/XX/2019 to try and settle my delinquent 2nd mortgage for less than owed. Each time I was verbally told the full payoff amount was {$47000.00}. I tried to settle for less than owed and each time I offered an amount, the representative stated they had to submit the request and never called me back. Now I have put the home up for sale and when the title company requested the payoff, it was {$61.00}, XXXX. This servicer never stated anything about past due interest in any conversation regarding the full payoff. I have tried to speak with the servicer of the loan but they state the payoff is out of their control. The owner of the mortgage note is a Trust that states I must speak to the servicer who is the acting agent on their behalf. The servicer should have to honor the verbal payoff amount of {$47000.00} as I have made attempts to reach a resolution to this balance due and have Veripro Solutions, Inc has never contacted me regarding a resolution or stated the payoff amount had changed. They state they recorded all conversations and I had them on speaker when communicating with them to have someone verify the conversations.
Product: Debt collection

This acima credit company is abusing since I have more than two months fighting with this problem with this account opened for fraud. I contacted them. They asked me for a police report. They ask for a police report and they do not have the evidence or documents that allege that it is mine, it is an account opened for fraud and they do not want to help me solve this problem. bill. 
I need proof that this account is mine, they used my false documents to open that account for someone, damaging my credit report
Product: Vehicle loan or lease

On XX/XX/XXXX I obtained a loan for a XXXX XXXX XXXX from a dealer in XXXX Ohio through Credit Acceptance. The car came with a XXXX XXXX mile warranty and roadside assistance, which I thought was a good deal. Turns out it's not! They only pay for parts and I'm told by others getting a tow is next to impossible! I'm responsible for labor and a {$100.00} deductible and getting a tow.
Product: Credit card or prepaid card

American Express markets its Delta Reserve card as providing XXXX MQM bonuses at the spend levels of $ XXXX and $ XXXX, annually. On the website americanexpress.com I as a consumer have a function available to me to view statements and activity for the period XX/XX/XXXX through XXXX XXXX, XXXX ( report is attached ). This report agrees with the XX/XX/XXXX Year-End Summary also published by American Express which shows that the net spend on the account for the year is XXXX XXXX. To ensure that I met the $ XXXX spend level for the bonus miles, I managed this through XX/XX/XXXX and ensured that no credits would be issued that would adversely impact the spend. Therefore, I believed that I had met the requirements of the card and would/should be awarded the XXXX MQM bonus miles. American Express has a different way of calculating the spend for this bonus and claims that the eligible spend is {$59000.00}. The difference is not discernable to the consumer from their website which provides this data and therefore is misleading to the consumer. When items that are excluded are included in the summary reports it serves to reinforce a misleading and fraudulent marketing approach by American Express. While the underlying terms and conditions may indicate the exclusion of fees, interest charges etc., the failure of American Express to provide a way for the consumer to track qualifying spend and to fail to note this on any of its spending reports maintains and reinforces its misleading advertising. American Express should be required to report to the consumer the spending amounts that qualify for the bonus if it is different than the amounts being shown on its website or annual summary statement. In the absence, I as a consumer are provided and relied on misleading and potentially fraudulent reporting by American Express. I have contacted American Express to no avail. Attached is their form letter response. While they acknowledge the shortcomings in their website, the answer I was told by a supervisor ( who would not share his name ) was that I as the consumer should have called them directly to have them calculate the qualified spend. In fact, I have done this for XX/XX/XXXX spend levels and was provided incorrect information and was told that they do not have any easy way to calculate the applicable spend. American Express should be required to compensate any consumer with the bonus MQMs at either the $ XXXX or $ XXXX level if their annual summary statement or the website equivalent shows such levels of spending until they can accurately report to the consumer the qualified spend levels they have met. I believe that I should be granted the XXXX MQMs for XXXX for having met the $ XXXX spending threshold and seek your assistance to end this misleading and fraudulent activity on the part of American Express.