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

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Equifax Inquiries XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX Inquiries XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX XXXXI {$300.00}, XXXX {$580.00}, that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX and my address is XXXX XXXX XXXX . XXXX XXXX XXXX, Ohio XXXX I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof. 
{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from lexis Nexis, corelogic, Innovis, Sagestream. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name. I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

I CANCEL THE MONEY THAT I SEND OVER SEA TO XXXX ON THE XX/XX/XXXX MONEY TO MY LOVE ONE. SO I CANCEL THE MONEY ON THE XX/XX/XXXX. PAY PAL GAVE ME AN EMAIL THAT THEY DID CANCEL, BUT THEY DID NOT INFORM ME ABOUT MY MONEY BEING RETURN TO ME. MY NAME IS XXXX XXXX, THE CASE NUMBERS IS XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

NelNet and XXXX have file negative history on my credit reports with all three bureaus. During the time my student loan debt was reported the companies were sending paperwork and contacting my father ( same first and last name ) that I was not associated with at the time. I had not spoke to my father for several years and was not getting the notifications of who owned my student loan debts. 

I have now consolidated all of my student loans and not missed a payment for almost two years. My credit score is solid, but these negative marks are holding me back. I am asking for the items to be deleted from my all three bureaus because there is a XXXX balance with the two companies. At this time I am up to dates on everything and would like things to be corrected because I did not know of defaulting.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am submitting this complaint regarding an unauthorized and inaccurate debt collection attempt and credit reporting by CAINE & WEINER COMPANY , INC . The information on my account in the amount of {$670.00} are unlawful and I have never had any business relationship, contract, or agreement with this company, nor have I authorized them to use or report my personal information in relation to any alleged debt. Therefore, their actions violate my rights under the law. Key Details of My Complaint : -No prior business relationship : I have never engaged in any financial agreement, service, or contract with CAINE & WEINER COMPANY , INC . There is no evidence or documentation of such an agreement. -Unauthorized use of personal information : CAINE & WEINER COMPANY , INC has accessed and used my personal information to report a debt on my credit report, which is unauthorized and unwarranted. -Inaccurate and misleading reporting : They are reporting an alleged debt to the credit bureaus that is inaccurate and misrepresents my financial history. Relevant Laws Under the UCC : Under the Uniform Commercial Code ( UCC ), certain sections highlight the importance of valid agreements and the rightful ownership of debt. I would like to reference the following in relation to this matter : 1. ) UCC 9-210 - Request for Accounting : I have the right to request an accurate accounting of the alleged debt, including proof of ownership and transfer of the debt to CAINE & WEINER COMPANY , INC. To date, I have received no such documentation, meaning they can not rightfully collect or report the debt. 2. ) UCC 1-201 ( b ) ( 20 ) - Holder in Due Course : CAINE & WEINER COMPANY , INC.has not provided evidence that they are the holder in due course of the alleged debt. Without proof of such status, they lack the legal standing to collect on or report the debt. 3. ) UCC 9-609 - Secured Partys Right to Take Possession After Default : CAINE & WEINER COMPANY , INC.has no valid security interest in my property, nor have I defaulted on any legitimate obligation to them. Their attempt to collect and report this debt is not legally justified under UCC laws. Requested Resolution : I request the following actions from all parties, CAINE & WEINER COMPANY , INCXXXX XXXX XXXX XXXX XXXX and XXXX. XXXX. ) XXXXmmediate removal of the inaccurate and unauthorized debt from my credit report. 2. ) A formal investigation into CAINE & WEINER COMPANY, INC.practices regarding the collection and reporting of debts they do not have a legal right to. 3. ) A written confirmation from CAINE & WEINER COMPANY , INC that they have ceased all collection efforts and will not report any further unauthorized information to the credit bureaus. Thank you for your time and attention to this matter. I look forward to your swift response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Comenity BankXXXX on a charge off which means this payment was already settled. I called to settle the account and ask for a deletion letter and they agreed to give me a deletion letter if i paid the balance in full and they only sent me a paid off letter. I would like for them to remove this off as they agreed to do over the phone.
Product: Mortgage

Included with this complaint you will find the closing disclosure provided to me on XX/XX/2016 by DAS Acquisition Company LLC ( DAS ). As you will see the closing costs disclosed totaled {$2200.00} ( page XXXX ) - this number includes {$2300.00} in loan costs + {$7100.00} on other costs - {$7300.00} in lender credits. Therefore, my cash to close totaled {$0.00}, as disclosed on page XXXX. HOWEVER, it is the practice of DAS to require borrowers to agree to the additional attachment provided which requires me to bring in {$4800.00} to close. I believe this practice by DAS Acquisitions Company LLC DBA as USA Mortgage is intentionally set up to circumvent the requirements of Regulation Z, specifically the disclosure requirements of TRID. If nothing else this closing disclosure and accompanying document should be considered an unfair deceptive act or practice as one document leads a borrower to believe their cash to close is XXXX when what is truly happening is the lender is disguising a lender credit as a borrower 's true cash to close. DAS should be required to comply with Regulation Z and truly honor the lender credit as disclosed in the closing disclosure and therefore my cash to close would truly be as disclosed on the closing disclosure {$0.00}. I would also recommend that this complaint be expanded to identify any other impacted consumers. A lender should not be allowed to issue conflicting closing documents. I am not sure if this is a sales tactic or a way to avoid having to verify assets of a consumer and doubt this document is provided to the final investor as it would make the closing disclosure in violation of Regulation Z.
Product: Debt collection

This company contacted me on or about Wednesday XX/XX/2020. A friend answered my phone and an XXXX XXXX who represents KLS Financial Services started discuss the debt owed without identifying who they were speaking with. The representative disclosed the amount owed and where the services took place that resulted in the debt prior to confirming if the person on the line was in fact the debtor or a 3rd party. This representative told my friend first of all about me owing money and second about me going to XXXX for medical services. This is a violation of the FDCPA and privacy laws. In addition there should be no bill owed as this should have been covered by my insurance.
Product: Debt collection

Hello! My names XXXX XXXX. I am XXXX XXXX XXXX and reside in FL. 
I believe my identity has been stolen. I have multiple charges from AVANTE, a retirement home here in town which i have never been to ; im only XXXX! I have XXXX marks from AVANTE, and I am not associated with them. 
My credit is horrible and I'm young and trying to live my life. This makes me sick to my stomach.
Product: Checking or savings account

XXXX my Ussa account was closed because they said a fraudulent check was placed in my account. When I tried to provide proof that it wasnt me they closed my account without speaking with me
Product: Money transfer, virtual currency, or money service

I received notices that my credit report had changed. At first I thought someone had used my information to open an account for themselves. It appears now that Paypal had opened an account in my name without any notice whatsoever. 

Yesterday I disputed the account with all three Credit Bureaus. Today, I received from Paypal a welcome letter thanking me for opening an account. I called Paypal ( calling is the only available contact method apparently ) but the wait time is, at this point in the national crisis, indeterminate. 

I've attached a screenshot from XXXX XXXX site showing details of this account. Also attached is a photo of the Paypal welcome letter. 

The Paypal inquiry brought my credit down 4 points. If I close the account, my credit will go down further. Also, I keep my report very clean : few open accounts and no closed accounts except for a loan paid off years ago. An account opened and then closed immediately will raise questions I don't want raised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing that I have a balance on my XXXX credit card, my XXXX credit card, and my XXXX XXXX credit card when in reality all three have been paid off. The XXXX  and XXXX credit cards have been reported as delinquent, but h paid both of them off before they were even reported as delinquent. Im not sure why experian is showing this inaccurate information, but I was never late on either one of those cards.
Product: Credit card

I am part of a " shopping rewards '' program at CapitalOne for ~2 years. I tried to redeem some of the rewards back in XXXX, XXXX for a gift card. They have not been able to redeem the rewards yet and have not followed up with a reason or any clarity in the matter. 

After not hearing back from them for months, on XX/XX/XXXX, I got an email from them stating that my account has been suspended. " We regret to inform you that your Capital One Shopping account has been suspended. We reserve the right to suspend your Capital One Shopping account and services at any time for any reason not prohibited by law. Additional information on our policies and practices can be found in our Terms of Service. Please see our instructions for how to uninstall Capital One Shopping on your specific browser type. We appreciate your understanding. XXXX ''. 

They provided no information as to why the account has been suspended. I tried to follow up with emails ( XXXX XXXX XXXX XXXX ) try to gather more information. They have sent me the same rote language back each time. 

I hired a lawyer to try and get more information from them on my account. They refused to talk to him, but provided the same information as they sent me in their email dated XX/XX/XXXX. The lawyer sent them a letter ( dated XX/XX/XXXX ) requesting that they contact me and provide me with information, but I have not heard back from them. I followed up with an email on XX/XX/XXXX with the lawyer 's letter attached and got no further response. 

This is their website XXXX XXXX XXXX XXXX Their email is : XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX, our XXXX XXXX XXXX insured by XXXX XXXX with Hyundai Motor Finance as the lienholder was in an automobile collision. In XX/XX/XXXX, the car was declared a total loss. 

On XX/XX/XXXX, a payment for the warranty for {$3400.00} was made. 
On XX/XX/XXXX, a duplicate payment for the warranty of {$3400.00} was made. 

On XX/XX/XXXX, a payment was made by the insurance for {$35000.00} on a principal of {$28000.00}, resulting in an overage of {$6900.00}. About half of that overage was the mistaken duplicate warranty payment. The other half was the warranty payment due back to us. 

Hyundai Motor Finance never contacted us about the refund. We called them in XXXX, and they said the refund would be out to us within a month. When it didn't arrive, we called them at the end of XXXX. At that point, they said that the payment had been made to the lienholder or the insurance company who they said was XXXX. XXXX was not the insurance company or the lienhodler ; they were the company hired by the insurance agency to junk the wrecked car and had no involvement in the financing of this vehicle. 

XXXX contacted Hyundai Motor Finance in XXXX and on XX/XX/XXXX, the insurance company told us that XXXX had admitted their mistake and would reissue the refund to us. 

On XX/XX/XXXX, the refund had not been received. I contacted Hyundai Motor Finance again, and they said the request to change the refund had been denied because XXXX was the lienholder ( catching me in the same loop as before ). It has been nearly XXXX months, and I'm no closer to having this problem resolved.
Product: Credit card or prepaid card

Have had credit card account with Discover Card since XXXX, never a late payment, always paying much more than the minimum due. Card initially opened as a secured card and with my responsible behavior, security deposit returned and credit limit increased to {$1200.00}. Since, opening the account in XXXX, my negative credit has remained the same, and I have had only positive trade lines since XXXX. On or about, XX/XX/XXXX, the automated review at Discover Card reduced my credit limit to {$500.00} based on the same negative information from when the account was opened in XXXX. 

With all of my positive trade line information, and the addition of two accounts at XXXX XXXX, my Discover Card credit limit should have only increased and not decreased.
Product: Checking or savings account

Chime is my bank at this money My Name Is XXXX XXXX ok so I normally add money to my chime card for my kids upcoming rides I was just saving it. I go to log in my account one day ( dont check online often this is my second backup bank ) so I log in my account to see all my money is gone I immediately contacted chime stating I have unauthorized transactions on my account from XXXX  XXXX They first told me dont worry and they canceled the transactions and stopped the merchant from charging me Which was a lie I have multiple pictures from representatives telling me to dont worry and just wait to receive my money back to my account few days theyve cancelled the transactions And it was only and pending holding stage Wait few days to go away even told them I was making an police report they told me it was okay and all my problems was going to be handled my money was going to be back. So Ive waited few days like they said I go to log in my account and I see that the transaction moved from pending to complete and all my money is completely gone. So they lied, merchant charged me and now days go by I cant even file police report how I wanted to because it was literally days later I contacted them and they told me to open a dispute which was strange because XXXX before they told me the transaction was cancelled due to it wasnt me making the transaction and to not worry. So I make the dispute day 2 days later without them fully investigating my dispute and handling it properly they denied it with no reasoning this is unbelievable.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts listed on my credit report, which was reported by your credit bureau. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent behavior- The bank has committed to removing this from my records. Please ensure it is eliminated. 

I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. Consequently, I did not receive any correspondence regarding this debts and was deprived of the opportunity to dispute it. Reporting this account to your credit bureau without my knowledge or consent constitutes a violation of the law.