23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Improper use of my report reporting it without my permission which is devastating to my credit report and against the law they're violating my constitutional rights as a consumer
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 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX
Product: Vehicle loan or lease

NEW COMPLAINT LOAN INTEREST NOT PROPERLY CREDITED ACCOUNTING ERRORS ... Contrary to pnc assertions this matter is not resolved. the PNC customer history i recieved was a partial one.PNC issued checks to me UNTIL XX/XX/2109 overpaid rebates and had correspondence with me and claimed transactions were processed on my closed auto loan account after XX/XX/2019. The customer history includes none of this data, i believe because i paid off my loan in 9 months there were additional accounting interest errors on my auto loan account. I contend by overpaid rebate was valid and as well reference to those checks and transactions and actions after XX/XX/2019 are also curiously absent from my customer history. which is not a complete auditing of my account but instead a printout of limited transactions not including the accounting errors made by PNC Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX - XXXX, XXXX - 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received notice from my homeowner insurance provider of significant rate increase ( ~40 % ) due to change in credit rating. Ran report and discovered a claim from collection agency ( XXXX XXXX ) related to fraudulent charges ( gas credit card ). Upon being made aware of charges in 2019, our attorney requested evidence of charges. No response was provided. 

What do I need to do to have this fraudulent claim removed from my credit report ( s )? 

Thank you in advance for your help. 

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

In accordance with the fair credit reporting act XXXX  Account # ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 violate my rights. 
15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

MY FATHER PASSED AWAY ON XX/XX/2019. I HAVE BEEN ATTEMPTING TO GET EVERYTHING THAT WAS UNDER MY FATHERS RESPONSIBILITY TAKEN CARE OF. I WAS UNAWARE I HAD TO GO THROUGH PROBATE TO BEGIN WITH. NO ONE WOULD TALK TO ME. THEN I FIND OUT I DID NOT HAVE TO GO THROUGH PROBATE BECAUSE I AM THE ONLY CHILD AND SURVIVING FAMILY MEMBER. I FINALLY GOT THE COURT TO APPOINT ME AS THE PERSONAL REPRESENTATIVE SO THAT I CAN FINALLY COMMUNICATE WITH THE LENDERS/LENDING INSTITUTIONS, OR SO I THOUGHT. THROUGH THIS ENTIRE PROCESS I HAVE SENT MY DOCUMENTS TO NUMEROUS FACSIMILE NUMBERS SO THAT I MAY REQUEST A PAYOFF DEMAND TO PAY THESE LENDERS OFF BUT NO ONE EVER PROVIDES ME ACCURATE INFORMATION NOR A PAYOFF DEMAND. NOW THESE BANKS ARE FORECLOSING ON THE HOMES I GREW UP ON. THESE HOMES MY FATHER PURCHASED WITH A LOT OF SACRIFICE AND I REMEMBER HIM LIVING IN THESE HOMES GROWING UP. WHILE TO SOME THESE MAY BE A UGLY HOME BUT TO ME ITS A SENTIMENTAL VALUE, THAT HAS NO PRICE.
Product: Mortgage

I have had a very difficult time with CHASE. I have applied for a modification 2 times and have been denied. The process with CHASE has been very confusing and dysfunctional. I always had to speak to different representatives, and never got the same answer. Now after 6 months of trying to save my home with a modification we have been given a sale date of XXXX/XXXX/XXXX. I feel like CHASE has a slow system and now has slipped in a sale date at the last minute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX  days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Product: Credit card

I made a purchase for a diamond bracelet at XXXX XXXX in XXXX. I charged the purchase to my XXXX XXXX credit card which is issued through Comenity Bank. The purchase was over {$XXXX} which means that I am supposed to receive 12 months interest free as long as I paid off the purchase before 12 months and made the minimum monthly payments ( which I am doing ). The purchase was over {$XXXX} before tax. 

After receiving my first bill in XXXX, XXXX setup auto payments to have the money taken from my account and paid off within 12 months. I checked my account in XXXX and realized that I was being charged interest this whole time. The interest was not being taken from my account but being added to my balance which I was not aware of. 

I have called XXXX XXXX and Comenity bank that issues their credit card to let them know the error. Both have said it is the others responsibility and have not given a refund on the interest charged and they are still continuing to charge me interest. 

I have gone to the XXXX XXXX store where I purchased the bracelet to ask if they made an error and did not mark me down for the 12 month interest free promotion but they mentions that they did and it was an error by the bank. 

I wonder if they are doing this to all of their customers or singling me out because I am XXXX XXXX, I feel discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX. On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false andincomplete information. Please delete this item within the allowing timeframe pursuant FCRA. 
ACCOUNT NUMBER : XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information. 

XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on consumer report if there it is incorrect and considered identity theft as the name is not mine. My address is XXXX XXXX XXXX XXXX Ga XXXX there should be no other address listed if it is it is not mine and causing me significant harm due to being incorrect and the information not matching what is indeed true.
Product: Credit card

I purchased furniture through XXXX. It totaled XXXX. I was asked if I wanted 12 months financing at 0 % interest. I agreed. I made all payments on time. At the end of 12 months I had a balance. The Wells Fargo credit card did not bill me XXXX/month, which, when I calculate it, should have paid off the entire balance in 12 months. Instead they only billed me XXXX/month. Now I receive a bill for XXXX which includes interest of XXXX which is more than XXXX % of the balance. If I was informed at the time of purchase that the 0 % interest was deferred and that I had to make higher payments this past 12 months to pay off the balance in 12 months, I would have. There interest rate after 12 months is 28.24 %. I am now subjected to pay this full amount. I have a XXXX credit rating and could have paid this off in full to begin with and have several credits cards with lower interest. I was mislead by XXXX and Wells Fargo and believe that these fees are fraudulent. This should have been explained to me up front.
Product: Money transfer, virtual currency, or money service

I was an investor on Coinbase until XX/XX/28 when my account was hacked and my savings account was drained. {$6000.00} was pulled from my savings account and the hacker was able to transfer out {$2600.00} before the account was locked. At the time I had {$1700.00} give or take in my Coinbase account. I have been refunded {$6000.00} back into my savings account by Coinbase but have lost the {$1700.00} that I originally had in my Coinbase account. Coinbase will not refund me and I need assistance or guidance moving forward, to hold Coinbase accountable for their platform that was hacked, as they are ultimately responsible. Thanks and please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX. : ACCT. # XXXX, XXXX XXXX XXXX XXXX XXXX ACCT. # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : ACCT. # XXXX, XXXX XXXX : ACCT. XXXX XXXX, XXXX XXXX XXXX : ACCT XXXX # XXXX HAS violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

15 USC 1681c. Section ( A ) ( 5 ) 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 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Few months ago I did a routine check on my credit score, which is normally around XXXX, the day I checked it it was about XXXX, not good. After hours of going though my bills and then downloading XXXX I finally figured out that XXXX XXXX sent an account to collections in my name. I immediately went to the XXXX office and spoke with a representative, she confirmed that I had no past due bills, and didn't owe anything. I called the debt collection agency, IC systems they told me they couldn't find the reason why I owed the money, on a side note they also had my address listed as a house I haven't lived in in over 5 years which would explain why I never received a notice. At that point I just used XXXX to remove the debt from my record which they did, but I am still receiving settlement offers from IC Systems. Also on the XXXX website I can only look at statements from 6 months ago or sooner, how the heck am I supposed to prove I've paid my bills when I can't even access the receipts? Everybody should know that XXXX XXXX absolutely decimated my credit score and they won't even so much as give me an apology, they literally couldn't care any less about their customers. I'd say stay away from XXXX but who else can you get internet service from?
Product: Credit reporting or other personal consumer reports

LexisNexis responded to my initial complaint stating they were unable to verify my identity when all documentation was submitted. LexisNexis also stated they needed further verification to complete my request by phone. I did not consent to such contact and law does not state LexisNexis has to speak with me I just have to provide documentation to prove my identity which I did provide. I do not want one of LexisNexis workers contacting me. Either LexisNexis provide documentation to prove the information you are supplying or you will be sued bottom line. This will become part of court record should this matter escalate to court.
Product: Mortgage

We contracted with XXXX to build our house for {$440000.00} and had USAA provide our financing. In early XXXX 2016, USAA requested an appraisal of the home and we learned USAA provided incomplete and inaccurate data to the appraiser when conducting my appraisal. The purchase price submitted to the appraiser was {$410000.00} which was inaccurate and the inaccurate price was used to calculate our price per square footage and comparables. We challenged USAA and requested a reconsideration of value only to be denied with no explanation as to why. On the day of our closing XXXX, the appraiser was contacted and asked to visit the property that day XXXX XXXX XXXX to complete the reevaluation, which we learned through conversation with the appraiser, she never received our options list or received any contact from USAA regarding our request for reconsideration of value. 

As a result, our house did not appraise for the purchase price and our loan to value was significantly impacted where we were required to pay a higher amount into escrow for private mortgage insurance ( PMI ). In addition, our monthly PMI payment is higher due to the lack of value from the appraisal. 

I 'd respectfully request the CFPB 's help to have USAA provide rationale for the usage of an incorrect appraisal, the lack of communication to the appraiser when a reconsideration of value was requested due to inaccurate data, as well as retribution for the excess paid into escrow at closing and monthly PMI.
Product: Credit reporting or other personal consumer reports

I am writing this letter in hopes to have these items deleted from my file. The report mentions items i need deleted. As i am a vitctim of identity theft and didnt make the charge. Please delete these items to correct my credit report. The federal Trade Commission has been made aware of the theft of my identity. i have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete items as soon as possible
Product: Bank account or service

This is a complaint about transactions denied due to insufficient funds, involving BNY Mellon ( d.b.a. XXXX, an XXXX provider ). 
On XXXX XXXX, 2016, a health care provider ( XXXX XXXX ) attempted to run a charge against my XXXX account via debit card, for more funds than were in the account at the time. The charge was denied, which makes sense. 
Later that day, I looked at my XXXX account online and found that the " denied '' charge had actually translated to a debit of {$300.00}, which was all the money in the account at the time of the transaction. This transaction number had a unique identifier, Claim # XXXX. 
Eventually, BNY Mellon/XXXX voided that transaction, and it no longer appears in the customer interface I can see on the web. However, there was a period of approximately six days when this debit remained on the books. 
I called BNY Mellon/XXXX on XXXX XXXX, 2016, and was told by a customer service representative that this is " normal business ''. I was specifically told that when an XXXX debit card transaction is denied, the funds in the account may be " in limbo '' for 3-5 business days while things are straightened out. 
I do n't know if this practice is in violation of banking law or not, but it seems like it should be. It sounds to me like BNY Mellon/XXXX is processing debits immediately, but delaying credits for 3-5 business days, and possibly benefiting from interest in the mean time. 
This is my XXXX complaint about BNY Mellon/XXXX, the first being Case number : XXXX. This particular institution seems to be operating on the fringes of legal behavior. I 'd appreciate it if the CFPB could bring their resources to bear on the problem. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2023 : ( INQUIRY ) -XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX ( XXXX XXXX XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, 2023 : ( INQUIRY ) - XXXX XXXX ( AUTO ) XXXX XXXX, 2023 : ( INQUIRY ) - XXXXXXXX XXXX XXXX XXXX XXXX All these inquiries has been submitted without my consent or knowledge. This is in fact proof of me being a victim of identity theft/fraud. These inquires need to be Removed immediately from all credit reporting agencies. Ive reach out to ever merchant listed above and i hav not got any response so i am reaching out to reportfraud.ftc.gov to provide this report from CFPB to have this fraud issue handled immediately.
Product: Debt collection

Do not have a Contract with this company, never heard of this company and the debt does not belong to me
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 three 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 removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX