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

On XX/XX/year>2024 I mailed out a dispute to Experian regarding inaccurate information being furnished on my consumer report. In addition to the description of the procedure they used to determine the accuracy of what they are furnishing see Exhibit A in attachments below. Certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX see Exhibit B. 
Experian received my dispute letter on XX/XX/year>2024 see Exhibit C. 
15 USC 1681a speaks on accuracy of the consumer report 15USC 1681e ( b ) speaks on a consumer reporting agency furnishing accurate consumer reports; accurate means all values correct.

15 USC 1681i ( 6 ) ( b ) ( iii ) speaks on the description of procedure used to determine the accuracy and completeness of the information being furnished If a consumer shall request this information.

15 USC 1681i ( 7 ) states that a consumer reporting agency SHALL provide to a consumer a description referred to in paragraph 6 ( B ) ( iii ) by not later than 15 DAYS after receiving a request from the consumer for that description.

I requested a description of the disputed items pursuant 15 USC 1681i Experian not only failed to respond in the satisfactorily time allotted by law but also failed to respond to my dispute altogether. As you can see in exhibit C my correspondence was delivered.

Experian has completely disregarded my request in not sending me information requested and also directly violated 15 USC 1681i ( 7 ) and 15 USC 1681i ( a ).

15 USC 1681i ( a ) states that information that can not be verified as accurate or complete must be deleted in 30 days.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear MONEYLION INC, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name MONEYLION INC Account number XXXX Account type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status The account was charged off. {$190.00} written off. {$110.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Balance {$110.00} I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 30 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept EdXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : CAPITAL ONE XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

I examined my credit report recently and identified several billing inaccuracies. The late payments do not reflect my typical payment history.
Product: Credit reporting or other personal consumer reports

I am now using this platform to enforce my privacy rights of my nonpublic personal information as CFPB is the enforcement authority for the Fair Credit Reporting Act. 

I have sent Discover an OPT OUT notice to protect my private nonpublic personal information which is aligned with 16 CFR 313.1. As a federally protected consumer per the FCRA I am requesting again to enforce my rights per 15 USC 6802 TO OPT OUT of sharing my nonpublic personal information not be disclosed to nonaffiliated third parties such as XXXX XXXX XXXX XXXX Discover is in violation of the Privacy Act of 1974 as they have already received in writing notification and instruction from the consumer, me on how to exercise and share my non public personal information. 

Per 16 313.15 Other exceptions to notice and opt out requirements.

( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Per 15 U.S. Code 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Per 15 U.S. Code 1681a ( 2 ) the term consumer report does not include ( i ) report containing information solely as to transactions Take this as my consent as a federally protected consumer : I ENVOKE MY RIGHT TO EXERCISE WRITTEN INSTRUCTION TO REMOVE SOLE TRANSACTION HISTORY AND MY NONPUBLIC PERSONAL INFORMATION FROM SAID nonaffiliated third parties such as XXXX XXXX XXXX XXXX
Product: Debt collection

I use XXXX XXXX XXXX in 2005. I just had my XXXX  child and I accidentally overdrafted my US Bank account by {$0.00} on a purchase on a Friday. I didn't work the following weekend and was completely unaware of the fees being {$35.00} a day on weekends. By the following Friday when I went to the bank to deposit my weekly earnings, they told me I was {$120.00} negative. I simply couldn't afford that because of the baby. I told them I wanted to close my account so I didn't get more charges and they refused saying it couldn't be closed until the amount was paid, so I left. 13 years later I'm woken by a phone call saying they are trying to serve me legal papers with intent to sue for over {$3000.00}. Clearly this should never happen and I don't think being forced into bankruptcy should be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I sent written request to XXXX, XXXX, Experian requesting physical verification of the original signed consumer contract accounts posted on my credit report. I requested that validated these for debts that were being reported. I have never received any physical copies.In the results of the first investigation they stated in writing that you verified that these items are being reported correctly with out any proof. I then sent a letter asking who verified these accounts. Which they were not able to provide any proof. On XXXX XXXX 2017 repeated the same process. I still have no physical verification.
Product: Debt collection

Harassment! Calls up to 10 times a day from the same number ( XXXX ) XXXX, or different numbers, leaves blank messages, with nothing on them. Sometimes calls from other numbers. I have blocked their number, I have called them and they were extremely rude on the phone, and refused to send a validation letter to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX You are In Direct Violation of The Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated several of my rights.

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

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

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plans as late for any purpose.

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 or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

Despite my attempts to clarify the validity of these debts with XXXX XXXX XXXX XXXX XXXX XXXX they have failed to provide any documentation confirming the legitimacy of the reported charges. Upon reviewing my credit report, these accounts are incorrectly marked as charged off with a balance due. I kindly urge you to provide proof of the charge-off status for these accounts. If you can not provide such evidence, I insist on the immediate removal of these accounts from my credit report. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please remove these fraudulent accounts in my credit ASAP. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Checking or savings account

In the last month I have been charged by XXXX for unauthorized purchases. I contacted them and I was told I could not be given information because I didnt receive an email about the purchase. I explained that I didnt make or authorize the purchase and was alerted by my banking app that a purchase was made. They said it was nothing they can do about it. I made my bank aware and they stated that it has been happening to multiple people and XXXX is refusing to do anything about it. I removed my information from XXXX app and received a new card. It hasnt been a full month with my new card and another unauthorized purchase has been made on XXXX and I dont have my card stored within their app and have only been to their store three times since receiving my new card. I cant dispute this purchase yet because it is the weekend. It is so frustrating that this keeps happening and they are tying up my funds! I contacted several lawyers and they are unwilling to do anything because XXXX has already been sued for this in the past. Earlier in the year I reached out to them because I was being repeatedly charged for a membership I didnt have through my linked XXXX XXXX Still they did nothing until I contacted XXXX and made them aware. This is ridiculous
Product: Mortgage

XXXX XXXX XXXX of nationstar has not responded to any of the letter sent from XX/XX/2013 to now. 
I have repeatedly call this company wrote this company and they have failed to keep accurate records. This servicer nationstar is committing fraud and they are using a cloak to cover themselves. After reporting to CFPB. CFPB stated that, " the corporation responded '' But, the corporation did not respond. The nationtar corporation sent a response saying they would respond by a certain date and did not. 
Its a shame how this corporation have destroyed lives, off lies and fraud. when this corperation was paid in full and still act as if they wasn't paid. Even when reporting this to company 's like CFPB it is still sweeped under the rug as if the complaint isn't worth hearing.
Product: Mortgage

Submitted an application to PNC Bank for a Home Equity Line of Credit around XX/XX/year>. Included with the application were : income verifications, including tax documents, as well as mortgage statement and statement on condo fees, and other information on the application form regarding debt ( car payment, etc ). After many days of waiting and upon follow up on the application, PNC loan officer sent an email that my debt to income ratio was over our maximum amount of 55.000 %.

I responded with an email that I could have requested a smaller loan, but upon further review of the documents that I submitted and after looking, again, at the PNC email, I computed my own debt to income ratio ( having done data analysis and housing work for many many years ) and what I saw was that my debt to income ratio was actually considerably less than that stated as the maximum amount by PNC. My debt to income ratio is 41 % and this 41 % that I computed did not take into account some income that was on my tax form, as it was not readily available as a monthly measure, as the debt to income ratio is a monthly measure. So PNC had miscalculated that for my application. I do not know if the miscalculation was an honest mistake, or a means to exclude persons like me from getting the Home Equity Line of Credit.
Product: Checking or savings account

Google has money takin out without any explanation of why I need it to stop Im contacting my bank tomorrow
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I sent a XXXX  of XXXX  to Initiate Electronic Funds Transactions to XXXX  XXXX  and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, XXXX XXXX  debited {$220.00} from my bank account. I never authorized this transaction or rescinded the XXXX XXXX XXXX to XXXX Electronic Funds Transactions.
Product: Debt collection

they called me over a 5 year old debt and they started recording my call and i told them im also recording they kept hanging up when i told them im recording the call on my end and the debt was for a old company called XXXX i told them i got two more years for this debt to fall off i got no job to pay the bill and im on XXXX check i told them dont call me ever again they also ask my 4 digit social security number when they called me i even ask them since they calling are you guys gon na sue me if i dont pay the debt while its very old and its not up to date
Product: Vehicle loan or lease

Usaa not willing to work with me regarding my auto. Was already behind on payment then out of work due to catching covid 19. Filed complaint here and spoke to usaa who started they will only work with individuals who are up to date on payments. This is very similar to usaa taking stimulus payments of their customers. Usaa is not friendly to this whom they service and need to be investigated.
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX XXXXXXXX Balance : {$9700.00} 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
Product: Checking or savings account

I have had a checking account with Chase for approximately XXXX yrs. I recently received a letter from Chase that stated " upon review We have decided to close your accounts '' and would I please withdraw my funds no later than XX/XX/2021. I keep a decent balance, have never overdrawn, bounced a check or had any issues. I pay my credit balance on time and usually in full. I also have a car loan with Chase and pay that monthly and on time. Calling the 800 number provided on the letter did not help. The call went overseas and the person at the other end could not provide any information as to why my account was being closed. Visiting my local Chase branch where I conduct business was not helpful either. They also could not or would not provide any explanation as to why my account was being closed. My Wife is currently overseas and now will have no access to funds, I'm really not sure what to do so that she doesn't end up stranded. My Social Security check is direct deposited to this Chase account. I've already contacted S.S. and had my payments directed to another bank. However they take time to process the request and I'm going to miss my next months payment. As a retiree this really hurts. I really don't know what I did to warrant this kind of treatment. Chase claims they had to close one of my previous accounts. This was a business account that was closed at my request upon the sale of that business.
Product: Vehicle loan or lease

I have contacted GM Financial 4 times in an attempt to get them to send a copy of car title to my lender so as to get financing to buy out end of my lease. They ask you to email other info like odometer statement but wont email a copy of title. It has to be faxed. Then they say it takes 5 days. Then when i don't get it. i call back and a supervisor says they will escalate it and that will be 2 days. 

Each call is 20 minutes on hold. After 4 attempts and the dealer contacting them and assuring dealer i would have it that day. We still don't have it. i started this on XX/XX/2022 for a lease that ends XX/XX/XXXX. 

They haven't responded to XXXX emails i have sent. The paperwork says i can buy this out through them or go to the dealer. The dealer doesnt seem familiar with the process and says i have to sell it to them and then buy it back. Huh? 

I have no more time to waste with the incompetency at GM Financial. I would simply like a copy of the title sent to me immediately so i can be done with this.
Product: Debt collection

I answered my phone to a rude person stating that i was being sued by check into cash and they were foling a wage garnishment. I explained to the individual ive already paid them in full and i have proof. The person then went on to call me a liar and topd me i was being arrested on XXXX felony charges. I told him i have proof see you in court and hung up. He then called back and began yelling at me calling and said why dont you pay your bills you XXXX
Product: Consumer Loan

My issue is with Capital One Auto Finance. My car was repossessed back in XX/XX/XXXX. After auctioning off the vehicle the account was then closed in XX/XX/XXXX. Since then Capital One Auto Finance keeps reporting this account as open ( with TransUnion ). Causing my credit score to drop. I have tried contacting Capital One and TranSUnion regarding this inaccuracy with no avail. Can you help.