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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting or other personal consumer reports

Subject : Request for Metro 2 Compliance and Verification of Account Information Dear Sir/Madam, I am writing to dispute an account listed on my credit report that is not in compliance with Metro 2 standards. After disputing this account twice and both time information came back as verified. I notice The account in question is : XXXX Account XXXX This account is missing several critical Metro 2 compliance fields, which discredit your response to account being verified as account. 

Worst Payment Status ( Field XXXX : XXXX Segment ) Current Payment Status ( Field XXXX : Base Segment ) Term Duration ( Field XXXX : Base Segment, currently showing 0 months ) As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that all reported information is accurate and complete. The absence of these essential fields indicates non-compliance with Metro 2 reporting standards and compromises the accuracy of my credit report. 

Additionally, I request the following information regarding the method of verification used to verify this debt : The name of the person who verified this debt ( Field XXXX : Base Segment ). 
The address, email, and phone number of the person or entity that provided this verification ( Field XXXX : Base Segment ). 

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

Information not correct reporting wrong amount incorrect information on all of credit reports
Product: Debt collection

I am being trafficked for debt bondage. I do not owe this purported creditor.

XXXX XXXX XXXX  Account # XXXX was reported to XXXX as being a mortgage. XXXX XXXX XXXX  also reports it is a Real Estate Type of account and the account was transferred to another lender or claim purchased.

Require XXXX XXXX XXXX to provide the loan documents involved in this account which was opened XX/XX/2005. Include the information regarding the purported construction loan attached to this account and the transfer to another lender or claim purchased. State specifically who it transferred this debt to ( name the lender ) or the party that purchased the account.
Product: Credit reporting or other personal consumer reports

The account in question pertains to a XXXX vehicle Account number XXXX ( XXXX  XXXX XXXX XXXX  XXXX ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report.

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.
Product: Student loan

On XX/XX/XXXX FEDLOAN added a total of {$650.00} in " UNPAID INTEREST '' to my DIRECT SUB CONSOLIDATION LOAN ( {$350.00} ) and my DIRECT UNSUB CONSOLIDATION LOAN ( {$300.00} ). 


The above Federal Loans are under the XXXX XXXX XXXX XXXX pause that is in effect until XX/XX/XXXX and are mandated to not be accruing interest. 

FEDLOAN states they have no knowledge " why '' the interest is added to my account. They can not provide a reason or accounting for adding {$650.00} to my account.

I consolidated to FEDLOAN on XX/XX/XXXX per the XXXX waiver after paying my loans for almost 30 years total. I was hopeful that after decades and decades of mishandling my loans the XXXX waiver would be the end to my 30 year nightmare of paying for college. Now, it's a new scam - No PSLF and a bigger balance than I started with pre-COVID pause. 

Please help me. I have attached the FEDLOAN Consolidation Letter dated and my account from yesterday showing the {$650.00} " unpaid interest '' added to my balance. 

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

On  XXXX   XXXX ,    2017 I received a letter ( c opy enclosed ) advising me that m y Sears  Credit Card account had been closed effective  XXXX   XXXX ,    2017. According to the letter " Our decision to close your account was based on information we received that you may have filed for bankruptcy ... '' When I questioned the m who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me  in 3 to 5  business days.     I FEAR THAT TH IS MAY  BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Experian none of the accounts listed in the files belong to me. My identity was stolen from me and I haven't been able to finance anything in years. I Haven't been able to get anything in my name ever since my social was stolen and identity has been be used without any consent from me. Investigate this complaint and be sure to remove all of the fraudulent accounts immediately because none of these accounts belong to me. The files below are very detailed and will explain to you everything. Thank you and hope Experian can really help me resolve this situation as me being a victim of identity theft.
Product: Credit reporting or other personal consumer reports

UN-AUTHORIZED potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX  XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through Bankruptcy XXXX  XXXX. 
XXXX XXXX  Potentially negative
Product: Credit reporting or other personal consumer reports

This complaint is being sent with urgency and is not a mistake. My credit report contains false and inaccurate information, which is causing significant stress and negatively impacting my life.
Product: Debt collection

Contacted the original company the debt was owed too. I inquired about the status of the debt. I was informed this company, XXXX and XXXX law firm now had the debt and was given information to contact them. I contacted them and was successfully able to speak with XXXX on XX/XX/XXXX. She informed me that there was a Do Not Contact on my account, however they did not have any phone number listed on my account. Additionally, she shared that they received returned mail on XX/XX/XXXX from a XXXX XXXX . I clarified I did not maintain that XXXX XXXX . She explained that they was a lawsuit filed on XX/XX/XXXX for the amount of {$6800.00}. I inquired about how that could be when I had never been contacted nor received any mail from them. She transferred me over to attorney, XXXX XXXX XXXX. When speaking with Mr. XXXX he inquired about my XXXX XXXX address and I believe he took the correct one down. He informed me that their office received a letter from a person with similar name as mine from an address that was not associated with me. However, it was clarified the letter was signed by me. Mr. XXXX stated he would follow up with me. I have contacted the office now three times and have not been able to reach Mr. XXXX, nor have I received clarity on what is going on. I contacted the office on XX/XX/XXXX and XX/XX/XXXX. I was able to leave a message for Mr. XXXX.
Product: Checking or savings account

In mid XXXX I received a fraudulent deposit into my checking account. I notified Chase bank and told them I did not recognize or know who made the deposit. They froze my accounts ( savings and checking ). Now, some 5 weeks later me savings account. ( {$15000.00} ) is still frozen. The fraud didnt happen in my savings, it was my checking. They wont tell me why or how long it will be frozen. JP Morgan Chase
Product: Debt collection

I have no knowledge of this debt.. {$810.00} LVNV FUNDING LLC
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX XXXX XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I noticed several hard inquiries that I didn't recognize. Called the credit bureau to dispute them and they are still on my credit report. Bureaus response are they are a factual part of my credit report.
Product: Credit reporting or other personal consumer reports

I have identified several accounts that do not belong to me and have been incorrectly attributed to my history. These accounts are unfairly affecting my credit score and my ability to obtain credit on fair terms. 
Pursuant to the FCRA, 15 U.S.C. 1681 ( o ), I formally request that you conduct a thorough investigation of the accounts in question and verify the accuracy of the reported information. If you are unable to verify the accuracy of the information within 30 days, as required by law, I demand the immediate removal of these negative items from my credit report. 
Since these accounts do not belong to me, the information reflected on my report is not only incorrect but also violates my right to fair and accurate credit. As a consumer, I have the right to dispute any incorrect or fraudulent information on my credit report, and these credit bureaus are legally obligated to ensure the accuracy of the information reported. 
Listed below are accounts that appear on my report that I do not recognize as mine : EXPERIAN : Account name : Date 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 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: Credit reporting or other personal consumer reports

REPORTING INFORMATION ON MY CREDIT PROFILE WITHOUT MY CONSENT AND WITHOUT CHECKING THE ACCURACY OF WHICH BY LAW THEY ARE REQUIRED TO DO AND THE VIOLATION ON THE PRIVACY ACT OF XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX Balance : {$770.00}.
Product: Checking or savings account

On XX/XX/XXXX I had a check made out to the GA Revenue for a last payment for local state taxes. There was enough money in my account to make this payment and according to Bank of America 's check payments, it should have been paid as there was {$20.00} left in that account and I was expecting a deposit in one of my accounts for over {$6000.00} which I received the next day and I would transfer more money into that personal account.

There was a bank of america payment to a credit card I was paying additional funds on and nothing was due which was posted or listed after the check was presented. They chose to pay this payment ( their credit card ) over my check sent for taxes!. With this credit card I have {$14000.00} of credit line and {$2500.00} remaining and this was not due it was an additional {$100.00} payment.

Bank of America returned the State tax check and paid themselves ( which posted after ) I am sending a screenshot and want a letter to send to the State of Ga so I don't get fees there.

I send another payment to them and letter with screenshot to a manager at the State of Ga Dept of Revenue. The balance at that time was paid off.
Product: Money transfer, virtual currency, or money service

i have had several issues with coinbase, they don't have ANY customer support and make it impossible to resolve issues and problems. i made a 4 figure transaction on coinbase this morning that never arrived, and i have NO WAY of getting support from them. How is this MAJOR financial institution allowed to operate without ANY customer support?????
Product: Debt collection

On XX/XX/2023 I received in the mail a letter from Capital Management Services , LP ( I will refer to them as CMS from here on ) stating that I owed {$11000.00} to them. Their mailer states that " If you write to us by XX/XX/2023, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX '' Following the directions on CMS ' website, I sent an email to XXXX on XX/XX/2023 at inquiring about why they think I owed the debt. I requested CMS provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor and details about CMS ' authority to collect the debt on behalf of said creditor. 

Per CMS ' letter, they should have stopped collection on the debt until verifying the debt. They have not. They continue to call and leave voice messages. Furthermore, on XX/XX/2023 I received another letter from CMS via mail regarding their willingness to accept less than the balance in full or to arrange a payment plan. However the letter did not provide any additional information regarding the verification of the debt nor CMS ' authority to collect the debt.
Product: Payday loan, title loan, personal loan, or advance loan

I went through a drastic change financially and did not expect it and usually if you see that I constantly pay my dues every time that's why there's so many closed accounts with this loan place but I have gotten to a point of having trouble even paying most bills right now.
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 proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 u.s.c 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

My husband and I refinanced a loan with XXXX XXXX XXXX using Quicken Loans as our new lender. This was a XXXX loan executed in NY. Our closing with Quicken was on XXXX XXXX. I received the updated closing packet from Quicken on XXXX XXXX, two days AFTER the loan closed which meant I had no accurate documents to review that referenced costs. At the closing we were told we owed a check to XXXX XXXX which is an affiliate of Quicken ( apparently Quicken controls the title company and the appraising company on their loans and sends a disclosure for same ) in the amount of {$570.00} for interest which I thought was odd since there should have been enough money available to cover all costs ( and the closing documents we did receive stated we would owe {$160.00} ). We cut this check for {$570.00} at the closing. When I received the proper closing package on XXXX XXXX, two days AFTER the closing, I sat down to prepare a closing statement and realized what went wrong. Also, please note no copies of any checks cut by us or by the lender at the closing were provided. Quicken had used the calculation on the XXXX XXXX XXXX payoff for the final day of interest. So even though the loan closed on XXXX XXXX, they used XXXX XXXX to calculate interest owed. This was not necessary but would not have in and of itself been an issue because XXXX XXXX XXXX would simply refund the overage when reconciling the escrow account. What happened next however was the basis of this complaint. In short, the following transpired : Quicken closed our loan without us having documentation on XXXX XXXX. Quicken considered their loan closed on XXXX XXXX. Our payoff check was not received by XXXX XXXX XXXX until XXXX XXXX. A maximum of TWO days is industry standard for funding a " same day loan '' ; not XXXX. Quicken 's process took eight days to get a payoff check to our prior bank resulting in us having to pay an additional 6 days of interest to same. Meanwhile Quicken considered their new loan closed on the XXXX. And so, we exert the following : Our Bank of America Loan cost us {$130.00} in interest per day. XXXX X XXXX = {$830.00}. This is the sum that Quicken owes us. Quicken mailed us a check for two days interest in the amount of {$270.00}. We stopped the check for {$570.00} representing interest to their affiliate XXXX XXXX upon receiving the proper closing packet two days after the closing. XXXX + XXXX = {$850.00}. By our calculation we now owe Quicken XXXX - XXXX = {$24.00}. We offered to send a check but were told by Quicken that this would not be acceptable and that they would be addressing the issue with their legal team. We have now filed this complaint in response to same. Attached you will find all supporting documentation. We also have an email chain reflecting same.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX XXXX Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.