23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My rights were denied.the mortgage company appointed my closing lawyer ( agent ) I never knew who my representative was, until the XXXX before the closing when he called me.He never identified himself as my closing agent.I was assigned a hazard insurance policy generated by the mortgage broker.A stripped down policy that covered only {$160000.00} of a {$190000.00} purchase price.Ironically the closing agent sold the ( XXXX XXXX ) policy.This a form of liability which protects the homeowner from lawsuits against the property.Closing documents were given to the realtor without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT, MY INFORMATION HAS BEEN COMPROMISED, THERE HAS BEEN SEVERAL ACCOUNT OPENED WITHOUT MY VALIDATION. I AM DEMANDING THESE ACCOUNTS BE REMOVED/CLOSED BECAUSE THEY ARE DAMAGING MY BUYING POWER. I AM ASKING FOR THIS MATTER TO BE ESCALATED IMMEDIATELY. IF NOT I WILL FILE A COMPLAINT WITH THE FTC ACCORDING TO THE FTC 1970
Product: Debt collection

I called the debt collector Capio Partners to find out why they reported a collection account on my credit. I was advised that the debt belonged to XXXX XXXX as a patient and the debt is from XXXX. This is not my debt and they have not sent any written notice to advise of the situation, but reported the debt as of XXXX XXXX XXXX I advised the debt collector and they hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

1. XXXX XXXX BANK 2. XXXX XXXX 3. XXXX XXXX XXXX   XXXX 4. XXXX XXXX/ XXXX XXXX XXXX XXXX 5. XXXX XXXX/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hold LexisNexis responsible for providing false and inaccurate information about my XXXX XXXX XXXX car that had Air bag Deployed during an accident which was not true and reported by LexisNexis. 

My car was stolen based on XXXX police report # XXXX attached here. This report doesnt mentioned anything about XXXX XXXX XXXX. 

LexisNexis false report was provided to XXXX company owned by XXXX. 

XXXX indicated that they are not responsible for inaccurate information since their source of data is their third party and provided by LEXIS NEXIS. 

XXXX has claimed that their source of data collection is from LexisNexis and they are not responsible for accuracy of their report that is published by XXXX or their XXXX company. 

LexisNexis false report has caused my car value dropped substantially when i was first aware of this false report in XX/XX/XXXX when I was going to trade my car at the XXXX XXXX. I hold them accountable for my financial loss. 

I would be more than happy to settle with them before I take any legal actions. 

Sincerely XXXX, XXXX XXXX XXXX Cell
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I've marked as inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX BANK XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly tried to resolve the issue of fraudulent inquiries on my consumer report, which are not linked to me and for which I am not responsible. Their presence has caused significant mental and financial distress. As a victim of identity theft, I may have to consider legal action if this matter isnt resolved. These inaccuracies have hindered my ability to purchase my dream home and provide for my family, severely impacting my financial well-being. For your reference, Ive attached a copy of my letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution.
Product: Debt collection

they served me what appeared to be court documents, but there was no case file. They were UNFILED court docs, but the letter with them said M & J had filed a lawsuit when, in fact, they had not. They were trying to scare me into signing an agreement. illegal service of fake papers is intimidation and I have a protection against such practices and my right have been violated by such practices. It was taken as a scare tactic by me but I went to Respond to the summons and low and behold there was no case. This was in XX/XX/XXXX.
Fast forward to XX/XX/XXXX and I am being made aware of a levy put on my accounts from this company for {$8000.00}. They apparently filed the lawsuit after It was made clear that I wasnt going to be bullied, with the papers they faked me out with. They filed for an order of default judgment because of the appearance of no response, and then There was a default judgment made against me. I was not given a court date So I was not given the the proper means to fight these accusations being made against me because of the use of dirty tactics with this company
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the results of the recent investigation into the unauthorized inquiries on my account. Below is a list of the inquiries that were made without my authorization : Unauthorized Inquiries : Inquiry 1. Date : XX/XX/year>. Source. XXXX XXXX XXXX. 
Inquiry 2. Date : XX/XX/year>. Source. XXXX. 
Inquiry 3 : Date : XX/XX/year>. Source : EXPERIAN XXXX XXXX. 
Inquiry 4 : Date : XXXXSource : XXXX XXXX  XXXX XXXX 
Inquiry 5 : Date : XXXXSource XXXX XXXX
Product: Bank account or service

Hello, Yesterday, the IRS put a levy against my bank account. Bank of America decided to levy my entire amount then to charge me {$100.00} for admin fees -- - thus actually overdrafting an account that minutes earlier had over {$6000.00}. They then, of course, charged me an overdraft fee. 
I immediately called the IRS. We agreed that they could have {$1000.00} and they would release the rest right then. They said it could be instant or take 24 hours. Today, my account is still negative and another overdraft fee. I called the B of A legal department. They claimed they received the order to release this morning, and the funds should be available by tomorrow. I am guessing they will tack another overdraft fee on my account. 
I do n't understand why B of A levied a greater amount than I had in my account. They should have pulled their admin fee out first, of course. They purposely made my account negative. I got the levy released immediately. This is clearly just a mistake. I have been with the bank since I was XXXX ( XXXX now ). I do n't think I should be punished because B of A themselves overdrafted my account. I do n't think I should keep receiving overdraft fees because I am waiting for them to take the hold off of my account that they placed. 

Thank Bank of America.
Product: Credit card or prepaid card

I entered into a consumer credit account with Lowes, in XXXX. I charged {$16000.00} to refurbish my kitchen. The terms were 0 % interest for 2 years, followed by interest of 26.99 % thereafter. 

When I went online to pay my bill, today. I found an interest charge of {$10000.00}. had accrued since my prior statement, which had a balance of {$11000.00}. I had paid {$1000.00} on that balance. 

When I called Lowes, I was informed that, if I did not pay the entire balance by XXXX XXXX, I would be responsible for the {$10000.00} in interest and would be responsible for a balance of {$21000.00}. Paying it off over time would result in interest payments of many thousands of dollars. Otherwise, I owed them {$10000.00}, if paid in full by XX/XX/XXXX. 

Fortunately, I have the money and was considering paying off the balance anyway. However, I can imagine someone less fortunate being under extreme pressure facing this unexpected term adjustment. 

I thought I understood that they would BEGIN charging me 26.99 % on THE REMAINING BALANCE if I didn't pay off the balance in two years. Instead, they seem to have charged me over 50 % or thereabouts from the inception of the original {$16000.00} charge, retroactively. There seems to have been no consideration of the over {$6000.00} I had paid in the 2 yrs. 

Is this legal?
Product: Vehicle loan or lease

XX/XX/XXXX I've been having problems with PNC for a long time. It started when my account was hacked into and all large lump sums of money was stolen and they tried to lie about the situation I act like I stole the money now I got in a hardship program with them twice when I get in the hardship program I will have to split my payment my payment is {$880.00} they split in half and basically I will pay half of that I paid that but it's like not consecutively that's pretty much is 3 months I did it recently they say XXXX XXXX and XXXX and XXXX I paid about XXXX XXXX XXXX XXXX XXXX I paid {$440.00} and some change in XXXX I went back to my {$880.00} I actually paid them come to find out to payment and XXXX and then I pay XXXX as well they keep trying to say that I owe them {$32000.00} one of the associate she didn't seem to know how to do a job she said I had late fees which I'm never late I said did it was still {$31000.00} and then it wasn't due to be paid off the same maturity date of XX/XX/XXXX XXXX of XXXX I need this matter fully investigated to find out what from Penny to Penny where did my money go at how did they come up with these figures it seemed like they just charging and telling you anything when you call him somebody tell you something different every week you could call twice and somebody will tell you different amount I need this fully investigated and Penny the penny print out somewhat what's all on this vehicle and why is a maturity date. Change it when you have gotten extra payment
Product: Debt collection

I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXX card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. 
Now they Are going to garnish my pay forXXXX
Product: Debt collection

MCU has left numerous electronic messages stating I am delinquent or past due on this account. I have never dealt with, had any business association, personally or otherwise. I have asked them to cease any and all communication, as recently as approximately XX/XX/2021. I continue to receive correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX account number XXXX has violated my rights 15USC 1681 Section 602 H States I have the rights to privacy.

15USC 1681 Section 604 A Section 2 also states that The Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

Got a loan to buy a solar electric system with Sunlight Financial. Terms of the loan when E-signed were for $ XXXX. I set auto pay for {$200.00}. 
The expected payment ( changed by Sunlight of whatever entity they sold the loan to ) is suddenly $ XXXX, but the auto withdrawal continues to be {$200.00} as arranged by me in the beginning of the loan. I had no idea of this rate change and continued to have {$200.00} taken out of my account for almost three years. 
I can never pay this off at their new undisclosed rate! 

I'm a XXXX XXXX XXXX Veteran and am locked into a monthly income. I got the system based on my ability to pay {$200.00}. 

XXXX XXXX sold me a lemon system that didn't even work for over two years. 
Now they've gone into bankruptcy and I'm hooked into this fraudulent ever increasing loan.
Product: Credit card or prepaid card

On XX/XX/17 while trying to put down a {$200.00} deposit for my daughters XXXX birthday I was told that my card was declined. I called XXXX XXXX only to be rudely told that all of my accounts with them had been closed and that I would have to wait for a letter in the mail to find out why. I have never missed a payment in fact I make multiple payments a month. I would like all of my XXXX accounts restored.
Product: Payday loan, title loan, personal loan, or advance loan

Deceptive Sales practices made by One Main Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account 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
Product: Debt collection

This discover account is not mines and I want it to be removed off my credit report. I have been reaching out to both Discover, XXXX, XXXX, and XXXX to get this account removed. They have removed the account off my credit report THREE times and inserted back on my credit report. This account needs to permanently be removed off my credit report as it does not belong to me.
Product: Credit reporting or other personal consumer reports

I will file for litigation if Wells Fargo doesnt remove the inaccurate information from my account. fcra : ( Section 168ri ) and Delete the charge offs 15 U.S. Code 1635 15 U.S. Code 1681e ( b ). Wells Fargo can not verify or validate this inaccurate information. It is illegal to report inaccurate information on my credit report. There was only one charge off and Wells Fargo falsely reports multiple charge offs. This company is REQUIRED to delete this inaccurate information from my Credit Report!
Product: Mortgage

On XXXX XXXX a family member discovered that the home located at XXXX XXXX in XXXX, NC was not longer there. Through research I discovered that the city demolished the resident, but I was never notified. However Navy Federal Credit union was notified and never informed me. A employee at Navy Federal signed the return receipt and provided it back to the city, because I was never notified and did n't know problems existed, the property was demolished. The home was demolished at the beginning of 2017.  After discovering this has taken place I spoke to the city inspector and after he looked further into the case that 's when I found out that Navy Federal was made aware and I was provided with a tracking number for the letter that was mailed to them. After discovering this I contacted XXXX XXXX and Navy Federal and told him everything that I have stated and I was told that I still owe the unpaid balance for the property even though it no longer exist and Navy Federal knew the property was going to be demolished and never told me. I also spoke to XXXX a supervisor and I was told the something. 

Additional information : Navy Federal charged this loan off, but is still showing that I own the property and states that I 'm still responsible for the unpaid loan balance.
Product: Checking or savings account

On XX/XX/2021 in the evening I received a Cash app debit card in the mail that I did not sign up for. I tried to contact Cash App but they were not available as it was in the evening. I called on XX/XX/2021 and spoke to someone named XXXX. He sent me a link to upload images of the card and stated he would use this information to disable it ( or forward it to someone who would review and do so ). I immediately forwarded the information and have never heard back. I emailed XX/XX/2021 to follow up and did not hear anything. On XX/XX/2021 I received a follow up email asking for a lot of information I would have been happy to provide earlier but was instead asked to submit pictures. I have responded to the email but I feel they make it incredibly difficult to contact them and take a very long time to respond.
Product: Credit reporting

My husband and I file a Bankrupt in 2008 it has been satisfy and it is over 8years old. XXXX and XXXX XXXX has Deleted it from my report, but Equifax will not and have no answer why
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told to write a letter. I wrote 3 letters and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 

Us Bank- On XX/XX/XXXX someone from US Bank pulled my credit report. I am a vicitim of identity theft. I called US Bank on numerous occasions and was told to write a letter. I wrote a letter and have never received any information and the inquiry is still showing up on my credit report as of today XX/XX/XXXX. 


XXXX XXXX- On XX/XX/XXXX someone from XXXX XXXX pulled my credit report. I am a vicitim of identity theft. I called XXXX XXXX on numerous occasions and was told that the inquiry would be removed from my report. I never received a letter to confirm this and as of today XX/XX/XXXX it is still showing up on my credit report. ( XXXX )
Product: Credit reporting

XXXX Report,XXXX when I went online to get a copy of my FREE rejport I put my information into the system several times without success, even thought I know for a fact that I put the information into the website correctly it would n't let access the information. I had to call a number which told me to To call a number and say my name and address, and it would be mailed to me in the next few weeks are you kidding? I need the information for something with my attorney. Then when it finally arrived I received a letter that said they are going to charge me {$8.00} for their error??? this was puzzling. This next thing is very important and needs Consumer Finance Govt. to look into why they are allowing this to happen when we are having such a FRAUD problem with reports all over the world ... 
XXXX This phone numbers have Absolutely nothing to do with the very sensitive information that is connected to our reports and should IMMEDIATELY be removed. When you call them the start telling you about gift cards and XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I file a complaint against cash app for inadequate customer service and unfair practicies, which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they do not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) since then the account has repeatedly been update as charged off every month. This is an update on payment history. A charge off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax keeps reporting this account.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following items to be incorrect.